KR20180017310A - Method for Providing Asynchronous Reverse Direction Payment by using Affiliated Store's Mobile Device with Sound Signal Sending - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a wireless terminal of a member store transmitting a sound wave signal. The asynchronous reverse payment method using a wireless terminal of a member store transmitting a sound wave signal according to an embodiment of the present invention includes the steps of: receiving uniquely generated identification (UGID); generating a disposable authentication code; storing transaction registration information, the UGID, and the authentication code by connection with one another; receiving recognition information; authenticating the validity of the transaction registration information; and providing transaction information. Accordingly, 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 using an affiliate store wireless terminal for transmitting a sound wave signal,

The present invention separately identifies a franchisee having a franchisee wireless terminal that transmits the sound wave signal when registering transaction registration information including amount information for reverse settlement from a franchisee wireless terminal that transmits a specified sound signal, And generates a disposable authentication code for authenticating the validity of the transaction registration information, and transmits the unregistered authentication code for mapping the transaction registration information to the transaction registration information And transmits the sound wave signal to the merchant wireless terminal that receives the sound signal transmitted from the affiliate store wireless terminal that registered the transaction registration information from the operating app of the user wireless terminal that receives the sound wave signal, The identification and authentication of the merchant having the terminal and the registration at the merchant If the transaction information including the transaction amount corresponding to the authenticated transaction registration information is provided to the operating app of the user wireless terminal when the registration information is authenticated, .

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.

An object of the present invention to solve the above problems is to provide a franchisee wireless terminal that transmits the sound wave signal when registering transaction registration information including money amount information for reverse payment from an affiliate franchise terminal that transmits a specified sound wave signal A unique identification of the merchant is separately performed, and at the same time, the merchant wireless terminal receives the generated Uniquely Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction registration information, and authenticates the validity of the transaction registration information. The UGID and the identification code including the authentication code from the operating app of the user wireless terminal that has received the sound signal transmitted in the short distance from the affiliate store wireless terminal that registered the transaction registration information after generating the authentication code, And a franchisee wireless terminal for transmitting the sound wave signal And providing the transaction information including the transaction amount corresponding to the authenticated transaction registration information to the operating app of the user wireless terminal when the transaction registration information registered at the merchant is authenticated, An asynchronous reverse payment method using an affiliate store wireless terminal that transmits an acoustic wave signal for processing payment of the transaction amount in an app.

The asynchronous reverse payment method using the merchant wireless terminal for transmitting the sound wave signal according to the present invention is a method executed through an operation server communicating with a merchant wireless terminal that transmits a specified sound wave signal in a short distance and communicating with a user wireless terminal visited at a merchant Wherein the operation server receives the transaction registration information including the amount information from the affiliate terminal wirelessly transmitting the designated sound wave signal separately and uniquely identifies the affiliated dealer having the affiliate dealer wireless terminal that transmits the specified sound wave signal, A first step of receiving a Unique Generated IDentification (UGID) generated through the merchant wireless terminal to uniquely identify a specific transaction corresponding to the registration information; and a step of authenticating the validity of the specific transaction identified through the UGID Gt; generating a disposable authentication code for < RTI ID = 0.0 > And the operation server stores the transaction registration information, the UGID, and the authentication code in association with each other; and a third step of the operating server transmitting the UGID and the authentication code to the user wireless terminal A fourth step of reading the sound wave signal from the designated operating app and receiving recognition information including the recognized UGID and information corresponding to the authentication code; and a fourth step of reading the UGID corresponding to the recognition information, Authenticating the merchant having the transmitted merchant wireless terminal and authenticating one of the transaction registration information uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant, A fifth step of authenticating the validity of the transaction registration information, and a fifth step of authenticating the transaction registration information, And a server for 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, And the like.

The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention is characterized in that the operation server confirms a unique code that uniquely identifies the merchant having the merchant wireless terminal that transmits the sound wave signal, And the operating server associates and stores at least one merchant-related information among merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant wireless terminal, and the confirmed unique code The method comprising the steps of:

In the asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the UGID may be configured to read a unique code that uniquely identifies a merchant having a merchant wireless terminal that transmits a specified sound wave signal at a short distance And is generated by hiding.

In the asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the UGID may be configured to read a unique code that uniquely identifies a merchant having a merchant wireless terminal that transmits a specified sound wave signal at a short distance And is generated so as to have a different code value for each transaction registration information.

In the asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the UGID may include a unique code that uniquely identifies a merchant having a merchant wireless terminal that transmits a specified sound wave signal at a short distance, Is encoded in accordance with a specified encoding rule so that the inherent code can be read out only through a predetermined device or a server and is generated so as to have a different code value for each transaction registration information.

The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention is characterized in that the UGID includes a unique code for separately identifying a merchant having a merchant wireless terminal for transmitting a specified sound wave signal in a short distance, Information is encoded in accordance with a specified encoding rule so that the unique code can be read out 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 the asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the UGID may include a unique code that uniquely identifies a merchant having a merchant wireless terminal that transmits a specified sound wave signal at a short distance, And random number information according to a predetermined encoding rule so that the unique code can be read out only through a predetermined device or a server and is generated to have a different code value for each transaction registration information.

In the asynchronous reverse payment method using the merchant wireless terminal for transmitting the sound wave signal according to the present invention, the unique code is transmitted to the merchant point wireless terminal, An inherent code, a unique code determined not to be duplicated, a unique code determined to be unique to the merchant wireless terminal that transmits the sound wave signal at a short distance after the function of transmitting the sound wave signal designated to the merchant wireless terminal at a short distance, And at least one inherent code among unique codes determined to be unique so as to uniquely identify the mobile terminal of the merchant who installs the app after the app is installed.

In the asynchronous reverse payment method using the merchant wireless terminal for transmitting the sound wave signal 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 wireless terminal, And a unique code for separately identifying a franchisee having a franchisee wireless terminal that transmits a signal in a short distance.

In the asynchronous reverse payment method using the merchant wireless terminal for transmitting the sound wave signal according to the present invention, the third step may further include providing the merchant wireless terminal with the UGID and the authentication code associated with the transaction registration information .

In the asynchronous reverse payment method using an affiliate store wireless terminal for transmitting an acoustic signal according to the present invention, the fifth step reads the UGID, reads the unique code concealed in the UGID, and uses the read unique code And authenticating and authenticating the franchisee having the franchisee wireless terminal that transmits the specified sound wave signal.

In the asynchronous reverse payment method using the merchant wireless terminal for transmitting the sound wave signal 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 And a control unit.

The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal according to the present invention is characterized in that it comprises the steps of: receiving the transaction information by the operating app of the user wireless terminal; Displaying the transaction amount, and performing a payment procedure for processing the settlement of the transaction amount based on a user operation on the payment interface.

In the asynchronous reverse payment method using the mobile terminal of the merchant transmitting the sound wave signal according to the present invention, the payment procedure may be performed via the operation server or via a separate designated server linked to the operating app .

According to the present invention, a merchant wireless terminal having a function of transmitting a specified sound wave signal uniquely identifies a merchant having a wireless terminal for transmitting the sound wave signal while registering transaction registration information in a designated operating server, The UGID included in the sound wave signal is transmitted from the user wireless terminal which receives the sound wave signal transmitted through the affiliate shop wireless terminal after registering the generated UGID and the transaction registration information in order to uniquely identify the specific transaction corresponding to the registration information, And a wireless terminal for transmitting the sound wave signal through the recognized one UGID in the case of requesting the reverse payment, identifies and authenticates an affiliated shop, and at the same time, Automatically identifies a specific transaction corresponding to the registration information, There is an advantage of being processed.

According to the present invention, a merchant having the wireless terminal is identified and authenticated using a UGID associated with transaction registration information registered at an affiliated store having a wireless terminal that transmits a specified sound wave signal, and a plurality of A transaction for the next settlement is made before the reverse payment for the previously registered transaction registration information is completed at the merchant having the wireless terminal that transmits the specified sound wave signal by automatically identifying the specific transaction corresponding to any transaction registration information from the transaction registration information, Even if the registration information is registered, the advantage that the respective reverse payment corresponding to each transaction registration information is processed asynchronously through each user wireless terminal that has received the sound wave transmitted through the merchant wireless terminal and recognized each UGID .

1 is a diagram showing a configuration of a system for providing reverse payment using an affiliate shop wireless terminal that transmits a sound wave signal according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a wireless terminal of an affiliate shop 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 sound signals or providing transaction information of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a reverse payment process using an operating app according to an embodiment of the present invention.

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

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

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

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

FIG. 1 is a diagram showing a configuration of a system for providing reverse payment using an affiliate shop wireless terminal that transmits a sound wave signal designated according to an embodiment of the present invention.

More specifically, FIG. 1 shows a merchant shop 300 having an affiliate shop wireless terminal 300 that transmits the sound wave signal when registering transaction registration information including amount information for reverse payment from an affiliate shop wireless terminal 300 that transmits a specified sound wave signal And simultaneously authenticates the validity of the transaction registration information by receiving the generated Unique Generated IDentification (UGID) from the merchant wireless terminal 300 in order to uniquely identify a specific transaction corresponding to the transaction registration information The operation application 420 of the user wireless terminal 400 that receives the sound signal transmitted from the affiliate shop wireless terminal 300 that has registered the transaction registration information in the short distance generates the disposable authentication code, (300) for receiving the identification information including the UGID and the authentication code and transmitting the sound wave signal to the merchant If the transaction information including the transaction amount corresponding to the authenticated transaction registration information is provided to the operating app 420 of the user wireless terminal 400 when the identification information is authenticated and the transaction registration information registered at the merchant is authenticated, 1 is a block diagram illustrating a configuration of a system for processing settlement of the transaction amount in the operational application 420 of the user wireless terminal 400. As shown in FIG. 1 and FIG. 2, It is possible to infer various implementations (for example, some configuration portions may be omitted, or subdivided, or combined) for the reverse payment providing system using the affiliate store wireless terminal 300 that transmits / It should be noted that the present invention includes all of the above-mentioned embodiments, and the technical features thereof are not limited only by the method shown in FIG. You.

The system of the present invention includes an affiliate shop wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliate shop and a UGID of a sound wave signal transmitted through the affiliate shop wireless terminal 300 Recognizes a merchant having the merchant wireless terminal 300 to which the merchant terminal 300 is transmitted and identifies the unique transaction of the merchant uniquely) and recognizes the transaction amount confirmed using the recognized UGID And an affiliated shop wireless terminal 300 that is linked to the operating app 420 of the user wireless terminal 400 and operated by each affiliated store, And a payment server 100 having a communication-enabled operation server 200 and linked with the operation server 200 or performing a designated server-side payment procedure in cooperation with the operating application 420, It is.

The affiliate shop wireless terminal 300 is a collective term of a wireless terminal having a function of providing a sound wave signal provided at an affiliate shop and is preferably an affiliate shop wireless terminal (for example, a smart phone, a mobile phone, a tablet PC, Or at least one of the wireless terminals owned by the merchant (or employee). Meanwhile, according to the embodiment, the merchant wireless terminal 300 may further include a wireless communication terminal (e.g., a pad type force) provided for forward payment at each merchant, and the present invention is not limited thereto. In other words, the franchisee wireless terminal 300 of the present invention can be any wireless terminal that performs the function of the affiliate terminal described in the present invention by being operated by the affiliate shop, and can be any wireless terminal, .

According to an embodiment of the present invention, the merchant wireless terminal 300 can communicate with the operation server 200 through a communication network, and is provided with a designated merchant store 300 for performing the operation of the merchant wireless terminal 300 for the reverse payment according to the present invention Application 320 is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant wireless terminal 300 as a main body is implemented through the merchant application 320.

When the affiliated store wireless terminal 300 that transmits the sound wave signal assigned to the affiliated store is provided and the app store 320 for the affiliated store designated by the affiliated store wireless terminal 300 is installed in the affiliated store wireless terminal 300, The application 320 can perform a predetermined information registration procedure for reverse payment.

According to the method of the present invention, the merchant wireless 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 wireless terminal 300 stores the merchant information given to the merchant in a designated storage area for a predetermined payment (for example, a forward payment for transmitting a message to a card company via a VAN in a conventional CAT / POS, etc.) Or can input and register the merchant information by transferring the merchant information to the designated operating server 200. Alternatively, the affiliate shop wireless terminal 300 may store identification information given for identifying the affiliate shop wireless terminal 300 before the application of the merchant shop 320 is installed in the affiliate shop wireless terminal 300, May include a telephone number, IMSI, etc.) may be stored in a designated storage area or received, and the terminal information may be transmitted to the designated operation server 200 for registration.

The franchisee wireless terminal 300 receives a specific unique code (for example, a unique code determined not to be duplicated, and / or a unique code determined to be unique to the franchisee 300 having the franchisee wireless terminal 300 transmitting the specified sound wave signal, After the function of transmitting the sound wave signal to the wireless terminal 300 in a short distance is implemented, a unique code determined not to be duplicated, and / or a unique code determined by the merchant wireless terminal 300 to uniquely identify the merchant wireless terminal 300, A unique code determined so as not to be duplicated in order to uniquely identify the affiliate shop wireless terminal 300 that installs the application after the app for transmitting the sound wave signal to the terminal 300 is transmitted to the terminal 300, The server 200 may process the unique code to be registered.

According to the first specific code embodiment of the present invention, the unique code is determined not to be duplicated in order to uniquely identify a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, . ≪ / RTI > Traditionally, the merchant information may be assigned information (for example, merchant store information such as a merchant store number for payment in the forward direction) to identify the merchant store. Conventionally, the information assigned to the merchant store is transmitted to the merchant The unique code is the information allocated to the franchisee to identify only the franchisee regardless of whether the franchisee wireless terminal 300 is provided or not, And may include a code value determined so as not to be duplicated in order to separately identify the franchisee having the franchise point wireless terminal 300 that transmits the signal.

According to the second specific code embodiment of the present invention, the unique code is transmitted to the merchant wireless terminal 300, which transmits the sound wave signal to the merchant wireless terminal 300 after the function of transmitting the sound wave signal to the affiliated merchant wireless terminal 300 is implemented And may include code values that are determined not to be duplicated for unique identification. For example, the unique code is installed in an affiliate shop application 320 that transmits a sound wave signal to the affiliate shop wireless terminal 300 in a short distance, so that the affiliate shop application 320 is located within a short distance And may include a code value determined not to be duplicated in order to uniquely identify the affiliate shop wireless terminal 300 that transmits the sound wave signal when the specified sound wave signal can be transmitted using the sound wave signal dispatch function. That is, if the terminal information is merely information for identifying the wireless terminal, the unique code may include a code value that is determined so as not to be duplicated to uniquely identify the merchant wireless terminal 300 that transmits the specified sound wave signal have.

According to the third inherent code embodiment of the present invention, the unique code is installed in the merchant's office (300) after the merchant's point application (320) for transmitting the sound wave signal specified to the merchant's wireless terminal The mobile terminal 300 may include a code value that is determined so as not to be duplicated in order to uniquely identify the mobile terminal 300 that executes. A code value uniquely determined so as not to be redundant may be given to the merchant wireless terminal 300 through the merchant store application 320 at the first execution after the merchant store application 320 specified in the merchant store wireless terminal 300 is installed In this case, the coin bag provided to the merchant wireless terminal 300 can be used as the unique code.

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, the unique code of the present invention makes it clear that any code that is not redundantly assigned in order to uniquely identify the merchant wireless terminal 300 that transmits the specified sound wave signal falls within the scope of the present invention .

According to the method of the present invention, the affiliate shop wireless terminal 300 confirms the unique code corresponding to at least one of the first to fourth unique code embodiments, and registers the unique code through the designated operation server 200 Procedure can be performed.

According to the first unique code checking embodiment of the present invention, the unique code includes a code value assigned in the merchant shop sign-up process using the merchant store application 320 installed in the affiliate shop wireless terminal 300 or using a website In this case, the franchisee (or employee) of the franchisee may input the assigned code value through the franchisee wireless terminal 300, and the franchisee wireless terminal 300 may input the code value You can check your own code.

According to the second specific code checking embodiment of the present invention, the merchant application 320 of the merchant wireless terminal 300 can be executed for the first time after being installed in the merchant wireless terminal 300 A unique code value determined not to be duplicated from the designated server or a unique code value may be determined from the designated server according to the designated application identification authentication and / or subscription procedure, and may be approved through the server, Can confirm a unique code including a code value uniquely assigned to the merchant application 320 after installation.

According to the third specific code checking embodiment of the present invention, the affiliate shop wireless 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 specific code checking embodiment of the present invention, the merchant wireless 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 wireless terminal 300 generates a non-redundant code value (or generates a code value The franchisee wireless 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 wireless terminal 300, And receive a unique code containing the received code value.

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

According to the method of the present invention, the merchant wireless terminal 300 transmits the unique code, which is confirmed through at least one of the first to sixth unique code checking embodiments, to the designated store (But can be omitted if stored).

According to an embodiment of the present invention, the merchant wireless terminal 300 transmits the unique code identified through at least one of the first through 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 payment, and terminal information on the merchant wireless terminal 300, The inherent code can be linked and stored in the designated storage medium.

Meanwhile, according to another embodiment of the present invention, the merchant wireless terminal 300 transmits the sound wave signal at any time before, during, or after registration of the transaction registration information including the amount information for the reverse payment, When a UGID of a code value type that uniquely identifies a merchant having the terminal 300 separately and uniquely identifies a specific transaction corresponding to the transaction registration information is dynamically generated, a procedure of registering the unique code is omitted And it is clear that the present invention can also include an embodiment that does not register the inherent code as a scope of right.

According to the present invention, when reverse payment is made using the specified sound wave signal transmitted from the merchant wireless terminal 300, the merchant wireless terminal 300 receives the money amount information for the reverse payment or confirms the money amount information according to the designated procedure, And registers the transaction registration information including the amount information 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 wireless terminal 300) for registering the transaction registration information for the reverse payment, merchant information , And terminal information provided in the affiliate shop wireless terminal 300. [0050] Meanwhile, if the unique code is provided to the affiliate shop wireless terminal 300 according to the method and the unique code is registered through the operation server 200, the transaction registration information may further include the unique code, The present invention is not limited thereto.

On the other hand, at a designated point in time before, during, and after the registration of the transaction registration information in the operation server 200, the affiliate shop wireless terminal 300 is a merchant shop having the affiliate shop wireless terminal 300 that transmits the sound wave signal And simultaneously generates a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information.

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 generated to have uniqueness that is not redundant, and is a unique identifier for uniquely identifying a merchant having the merchant wireless terminal 300 and an identifier for uniquely identifying a specific transaction corresponding to the specific transaction registration information The merchant terminal having the merchant wireless terminal 300 can be uniquely identified separately and the specific transaction corresponding to the specific transaction registration information can be uniquely identified (or combined) (Or multiple) identities that are unique to the system. 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 an embodiment of the present invention, the merchant wireless terminal 300 identifies a unique code that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, 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 affiliate shop wireless terminal 300 includes a unique code that uniquely identifies a merchant having the affiliate shop wireless terminal 300 that transmits the sound wave signal, The UGID can be generated by hiding the unique code by checking the time information and performing the designated encoding procedure by using the unique code and the time 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 second UGID generation embodiment of the present invention, the merchant wireless terminal 300 generates a unique code that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, The UGID can be generated by checking the random number information and performing the specified encoding procedure by using the unique code and the random number information as at least one parameter of the encoding rule for generating the code value of the designated code system have. 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 wireless terminal 300 includes a unique code for separately identifying a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, Checks the random information generated based on the time information and the specified algorithm, and performs a designated encoding procedure using the unique code, the time information, and the random number information as at least one parameter of an encoding rule for generating a code value of the designated code system Thereby generating the UGID that conceals the inherent code. 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 wireless 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 out 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 wireless terminal 300 exchanges a designated key value with a specific device / server from which a unique code is to be read out from a UGID hiding 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 affiliate shop wireless terminal 300 transmits the unique code through at least part of at least two embodiments among the first through fifth UGID generation embodiments It is possible to generate a hidden UGID, and thus the present invention is not limited thereto.

According to another UGID generation embodiment of the present invention, the merchant wireless terminal 300 includes (or hides) a temporary unique code determined not to be duplicated for at least a predetermined 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 specific transaction corresponding to the transaction registration information can be generated. As a result, the present invention is not limited thereto No.

If the UGID is generated through at least one of the UGID generation embodiments, the affiliate shop wireless terminal 300 can transmit the generated UGID to the operation server 200. [ The merchant wireless 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, and thus the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the merchant wireless terminal 300 that is provided at the merchant and transmits the designated sound wave signal, and receives the UGID transmitted through the merchant wireless terminal 300.

On the other hand, the operating server 200 receiving the transaction registration information can confirm that the merchant transmitting the transaction registration information is an affiliated member having the merchant wireless terminal 300 transmitting the sound wave signal. 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 advance in the operation server 200, so that the merchant that transmitted the transaction registration information It is possible to confirm whether the franchisee has an affiliate shop wireless terminal 300 that transmits the sound wave signal.

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 merchant wireless terminal 300 transmitting the sound wave signal. 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 the franchisee has an affiliate shop wireless terminal 300 that transmits the sound wave signal.

When the merchant registering the transaction registration information is identified as a merchant having the merchant wireless terminal 300 transmitting the sound wave signal, the operation server 200 transmits the transaction registration information (the transaction registration information) received from the merchant wireless terminal 300 Or at least a part of the transaction registration information including the amount of money information) and the UGID, and stores the management information 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.

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

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

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

According to the third authentication code embodiment of the present invention, the operation server 200 can acquire at least a part of information (for example, some information of the affiliated shop-related information) exchanged / shared with the affiliate shop wireless terminal 300, (For example, OTP (One Time Password), etc.) by substituting a variable value (e.g., a time value, a random number value, etc.)

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

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

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

If a disposable authentication code is dynamically generated through at least one of the first through sixth authentication code embodiments, the operation server 200 stores the generated disposable authentication code in a designated storage medium for a predetermined period of time Management. Preferably, the operation server 200 stores the created disposable authentication code in association with the transaction registration information (or at least some transaction registration information including the amount information) received from the affiliate shop wireless terminal 300 , And / or can associate and store the generated disposable authentication code and the UGID. According to the embodiment of the present invention, by storing the generated disposable authentication code in association with the transaction registration information and / or the UGID, the authentication code can identify the transaction registration information (or specific Transaction) in order to verify the validity of the transaction.

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

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200, and transmits the sound signal including the UGID and the disposable authentication code within the designated valid time can do. Preferably, the UGID, the valid time, and the validity time of the disposable authentication code may be synchronized.

When the registration result information including the UGID and the disposable authentication code is received from the operation server 200, the merchant wireless terminal 300 transmits the sound wave signal including the UGID and the disposable authentication code within the designated validity time can do.

The franchisee wireless terminal 300 is installed in a franchise shop and transmits the sound wave signal of a specified frequency band which is received and recognized by a user wireless terminal 400 in a short distance. Preferably, the UGID-encoded sound wave signal (or the sound wave signal including the sound wave pattern matched with the UGID) is transmitted in a short distance, and the sound wave signal including the UGID and the disposable authentication code is transmitted in a short distance have.

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

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

According to the method of the present invention, the affiliate shop wireless terminal 300 transmits an analogized sound wave signal of a designated frequency region (for example, an audible frequency region or an audible frequency region, etc.) 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 transmitting embodiment of the present invention, the merchant wireless terminal 300 is input through the sound wave input unit 310 provided in one or more designated user wireless terminals 400, Generates and transmits a sound wave signal obtained by encoding information designated according to a sound wave encoding rule that is digitized through a related component and read through a designated application installed in the wireless terminal and encoded in a sound wave signal so as to recognize information encoded in the sound wave signal Alternatively, the information designated to the specified sound wave signal can be encoded and transmitted. 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 transmitting embodiment of the present invention, the merchant wireless terminal 300 is input through the sound wave input unit 310 provided in one or more designated user wireless terminals 400, It is possible to transmit a sound wave signal including a sound wave pattern that can be read and encoded through a designated application installed in the wireless terminal after being digitized through the related configuration unit. For example, the merchant wireless terminal 300 can transmit 1 million distinct sound patterns, and the designated app of the user wireless terminal 400 can transmit 1 million of the sound waves transmitted from the affiliate shop wireless terminal 300 And a pattern structure in which one million of the sound wave patterns are matched with different one million code values or are interpreted as different bit combinations within a specified number of bits (for example, 32 bits) . 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 / .

According to the embodiment of the present invention, the affiliate shop wireless terminal 300 can transmit the sound wave signal obtained by encoding the UGID (or the sound wave signal including the sound wave pattern matched with the UGID) in a short distance. Or the merchant wireless terminal 300 may transmit the sound wave signal including the UGID and the disposable authentication code at a short distance. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which the merchant wireless terminal 300 transmits an acoustic wave signal including a UGID and a disposable authentication code, but the present invention is not limited thereto.

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliate shop wireless terminal 300 by a user, 400 executes an operation app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant wireless terminal 300, confirming the transaction amount using the recognized UGID, and performing the transaction procedure for the transaction amount .

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliate shop wireless terminal 300 by a user, 400 is installed with an operating app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant wireless terminal 300 and checks the transaction amount using the UGID recognized through the operating app 420 A payment app for performing the payment procedure of the transaction amount may 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 the designated application running) before sending the sound wave signal from the merchant wireless terminal 300 (Or activated) at the user wireless terminal 400 (according to the procedure). In this case, the operating app 420 is activated (or activated) and at the same time, the sound wave input unit 310 of the user wireless terminal 400 confirms whether or not the sound wave signal is activated for inputting the designated sound wave signal, And if not activated, a series of procedures for activating the sound wave input unit 310 may be performed. When the sound wave input unit 310 of the user wireless terminal 400 is activated or activated, the operating app 420 of the user wireless terminal 400 receives the sound wave input unit 310 through the activated sound wave input unit 310, It is possible to wait for receiving the sound wave signal transmitted from the affiliate shop wireless terminal 300 and to read data obtained by digitizing the sound wave signal transmitted through the affiliate shop wireless terminal 300 and input through the sound wave input unit 310, The UGID included in the signal and the disposable authentication code 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 the designated application running) before the sound wave signal is transmitted from the merchant wireless terminal 300 May be driven (or activated) by the user wireless terminal 400 and the operated (or activated) operating app 420 may guide the merchant wireless terminal 300 to determine whether to send or receive a sound signal The interface screen can be displayed. If it is determined by the user to send and receive a sound wave signal to and from the affiliate shop wireless terminal 300 based on the interface screen, the operating app 420 may transmit the sound wave signal to the affiliate shop 300 through the sound wave output unit 308 of the user wireless terminal 400. [ And transmits the request signal requesting the wireless terminal 300 to transmit the designated sound wave signal. The merchant wireless terminal 300 transmits the sound wave signal including the UGID and the disposable authentication code based on the request signal can do.

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 wireless terminal 300 may transmit the sound wave signal including the UGID and the disposable authentication code and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the inputted sound wave signal and recognizes the identifier, so that the inputted sound wave signal is transmitted to the merchant wireless terminal 300) of the sound wave signal.

The operating app 420 that has transmitted the request signal to the merchant wireless terminal 300 receives the sound signal corresponding to the request signal from the merchant wireless terminal 300 and converts the input sound signal into digital data And recognize the UGID and the disposable authentication code included in the sound wave signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the sound wave signal designated by the affiliate shop wireless terminal 300, and according to a procedure designated by receiving the sound wave signal (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 authentication 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 authentication code included in the sound wave signal input through the sound wave input unit 310, and thus the present invention is not limited thereto.

If the UGID and the disposable authentication code included in the sound wave signal input from the affiliate shop wireless terminal 300 are recognized through at least one of the first to fourth operational app operation embodiments, And transmits identification information including the recognized UGID and disposable authentication code to the operation server 200 via at least one communication network connected to the user wireless terminal 400. [

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

The 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 separately stores the merchant having the merchant's wireless terminal 300 that transmits the sound signal designated by the unique code You can verify that it is a unique identifying code.

According to an embodiment of the present invention, the operation server 200 may transmit the sound signal through the unique code read from the UGID to the unique ID of the storage medium storing the unique code of the merchant having the affiliate store wireless terminal 300 And transmits the designated sound wave signal by checking whether the unique code read from the UGID is a unique code for separately identifying a franchisee having the franchisee wireless terminal 300 that transmits the actually specified sound wave signal. It is possible to identify and authenticate any one of the affiliated stores having the wireless terminal corresponding to the unique code read out from the UGID.

According to the embodiment of the present invention, the operation server 200 links and stores the unique code of the merchant having the merchant wireless terminal 300 that transmits the sound signal through the unique code read from the UGID, And transmits the designated sound wave signal by checking the merchant related information corresponding to the unique code read from the UGID. It is possible to identify and authenticate any one of the affiliated stores having the wireless terminal corresponding to the unique code read out from the UGID.

On the other hand, are you sending out the designated sound signal? When the merchant corresponding to the unique code read out from the UGID among the merchants having the wireless terminal is identified and authenticated, the operation server 200 transmits the transaction registration information registered from the affiliate shop wireless terminal 300 operated by the identified and authenticated merchant Which is uniquely identified for a predetermined period of time through the UGID. According to the embodiment of the present invention, the transaction registration information registered from the merchant wireless terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time. However, It is preferable that the information is any one of transaction registration information, and the operation server 200 is unique among the transaction registration information registered from the affiliate shop wireless 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.

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

A transaction registration information which is uniquely identified for a predetermined period of time is confirmed through the UGID among one or more transaction registration information registered through an affiliate shop wireless terminal 300 operated by a merchant that is uniquely identified through the UGID, When the validity of the transaction registration information is authenticated, the operation server 200 confirms the amount information of the transaction registration information that has been confirmed, and calculates a transaction amount to be reverse-paid through the user wireless terminal 400 based on the amount information Check / calculate.

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 wireless 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, The amount 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) that has transmitted the recognition information makes a payment of a part of the amount information of the transaction registration information, The operation server 200 may operate in cooperation with the operating app 420 of the user wireless terminal 400 to transmit the transaction registration information to the user wireless terminal 400 The user of the terminal) confirms / calculates a certain amount of money to be paid, and confirms / determines 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 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). The operating server 200 transmits the configured transaction information 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 application 420 of the user wireless terminal 400 includes at least one information included in the transaction registration information and / or at least one information included in the transaction registration information including the transaction amount from the operation server 200 The transaction information including the registered merchant-related information may be received, and the transaction information may be output through the designated interface screen on the designated application screen.

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

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

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

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

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

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

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

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

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

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

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

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

The operation server 200 according to an embodiment of the present invention can communicate with the affiliate shop wireless terminal 300 that transmits the specified sound wave signal in cooperation with the operating app 420 installed in the user wireless terminal 400, And can communicate with the payment server 100 on the payment system.

Referring to FIG. 2, the operation server 200 may include merchant registration information for a merchant having the merchant wireless terminal 300 that transmits a specified sound wave signal, merchant information provided to the merchant for payment, A unique code that uniquely identifies at least one franchise-related information among the terminal information provided in the terminal 300 and stores the franchise-related information and stores the franchisee wireless terminal 300 that transmits the sound wave signal, And an information storage unit 205 for storing the information in association with the related information.

The merchant terminal 300 (or a separate operating terminal or the like) having the merchant wireless terminal 300 that transmits the sound signal transmits merchant registration information to the merchant, merchant information provided to the merchant for payment, The information storage unit 205 receives information on at least one merchant from among the terminal information included in the merchant wireless terminal 300 and requests registration of the merchant related information from the merchant wireless terminal 300. The information storage unit 205 stores the merchant registration information, And terminal information, and stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant store.

When the affiliate shop wireless terminal 300 (or another operating terminal or the like) having the affiliate shop wireless terminal 300 that transmits the sound wave signal requests registration of a unique code that uniquely identifies the affiliated shop separately, the information store 205 identifies a unique code corresponding to at least one of the first through fourth inherent code embodiments of the present invention in accordance with at least one of the first through sixth inherent code identifying embodiments of the present invention , The identified unique code may be processed in association with the merchant-related information, and stored in the designated storage medium.

Referring to FIG. 2, the operation server 200 includes a transaction registration receiving unit 210 for receiving transaction registration information including amount information from a merchant wireless terminal 300 provided in an affiliate store and transmitting a specified sound wave signal, A UGID that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal from the merchant wireless terminal 300 and receives a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, An authentication code generation unit 220 for dynamically generating a disposable authentication code for authenticating validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, A transaction registration management unit 225 for storing the registration information, the UGID, and the disposable authentication code in association with each other, and the transaction registration information, the UGID, and the disposable authentication code to the merchant wireless terminal 300 And a registration result providing unit 230 for providing registered registration result information in association with each other.

When the merchant wireless terminal 300 that transmits the designated sound wave signal receives the amount information for the reverse payment or confirms it according to the designated procedure and constructs the transaction registration information including the amount information and transmits it to the operation server 200, The transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the affiliate payment terminal 300.

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

According to the embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code, etc.) included in the transaction registration information, (For example, merchant-related information and / or unique code, etc.) registered in the transaction registration information and confirms whether the merchant that transmitted the transaction registration information is a merchant having the merchant wireless terminal 300 that transmits the sound wave signal have.

The franchisee wireless terminal 300 that transmits the specified sound wave signal uniquely identifies the franchisee having the franchisee wireless terminal 300 that transmits the sound wave signal and uniquely identifies the specific transaction corresponding to the transaction registration information The UGID receiver 215 receives the UGID from the affiliate shop wireless terminal 300. The UGID receiver 215 receives the UGID from the affiliate shop wireless terminal 300,

The authentication code generation unit 220 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time period through the UGID. According to at least one of the first through sixth authentication code embodiments of the present invention, the authentication code generating unit 220 may generate transaction registration information (or a specific transaction ) Can be dynamically generated as a disposable authentication code for authenticating the validity of the certificate.

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

The registration result providing unit 230 configures the registration result information including the UGID and the disposable authentication code associated with the transaction registration information, and transmits the registration result information to the affiliate store wireless terminal 300, which registered the transaction registration information and the UGID, And the affiliate shop wireless terminal 300 receives the registration result information. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The affiliated shop wireless terminal 300 that received the UGID and the disposable authentication code through the registration result information processes the sound wave signal including the UGID and the disposable authentication code within the designated valid time.

The sound wave signal transmitted through the merchant wireless terminal 300 is received by the user wireless terminal 400 through the at least one of the first to fourth operational application operation embodiments of the present invention, Lt; / RTI > Preferably, the sound wave signal transmitted through the merchant wireless terminal 300 may be received by one or more wireless terminals existing within a certain distance, The user wireless terminal 400 may read the input sound wave signal through the operating app 420 and recognize the UGID and the disposable authentication code included in the sound wave signal. Meanwhile, 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 wireless terminal 300 to send the sound wave signal to the nearby merchant wireless terminal 300 And transmits the sound signal including the UGID and the disposable authentication code based on the request signal from the merchant wireless terminal 300, the operating app 420 of the user wireless terminal 400 The UGID and the disposable authentication code can be recognized by reading the sound wave signal input from the affiliate shop wireless terminal 300. [ Meanwhile, the merchant wireless terminal 300 may control the signal strength so that the sound wave signal can effectively reach a predetermined distance or less, and transmit the control 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 authentication code included in the sound wave signal.

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

Referring to FIG. 2, the operation server 200 receives from the designated operating application 420 of the user wireless terminal 400, which has received the sound wave transmitted from the affiliate shop wireless terminal 300 through the affiliate shop wireless terminal 300, A recognition information receiving unit 235 for receiving recognition information including a recognized UGID (or a sound wave pattern matched with UGID) by reading the sound wave signal; and a recognition unit 235 for reading the received UGID, An identification / authentication processing unit (240) for identifying and authenticating a merchant with a merchant wireless terminal (300) to which the merchant terminal (300) transmits merchandise; A transaction registration confirmation unit 245 for confirming any transaction registration information that is identified as the transaction registration information by the operation application 420 of the user wireless terminal 400, And a transaction information providing unit (250) for providing transaction information including a transaction amount corresponding to the information, wherein the transaction information providing unit (250) checks the settlement result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, And a settlement result processing unit 260 for processing the settlement result as a payment result of the information. When payment of the transaction amount is performed via the operation server 200, the operation app 420 of the user wireless terminal 400 is designated And a settlement procedure processor 255 for processing the settlement procedure of the transaction amount in cooperation with the settlement system.

When the operating app 420 of the user wireless terminal 400 reads the sound wave signal and constructs recognition information including the recognized UGID and the disposable authentication code, the recognition information receiving unit 235 transmits the recognition information including the UGID and the disposable authentication code, The UGID and the disposable authentication code are received from the operating app 420 of the server 400.

The identification / authentication processing unit 240 reads the UGID included in the recognition information and reads the unique code concealed in the UGID. Preferably, the identification / authentication processor 240 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code hidden 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 240 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 240 reads out the code system of the unique code read out from the UGID and transmits the sound wave signal having the unique code to the merchant's mobile terminal 300 Can be identified by a unique identification code.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, identifies a storage medium storing the unique code registered through the information storage unit 205, A unique code that uniquely identifies a merchant having a merchant wireless terminal (300) that inquires a unique code of the storage medium through a unique code read from the UGID and transmits a sound signal that is a unique code read from the UGID, Do you send out the specified sound wave signal by confirming? It is possible to authenticate that an affiliated store corresponding to a unique code read from the UGID among the affiliated stores having the wireless terminal is identified and that the affiliated store wireless terminal 300 that transmits the sound wave signal specified to the identified affiliated store have.

According to an embodiment of the present invention, the identification / authentication processing unit 240 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 , Send out the specified sound wave signal? It is possible to authenticate that an affiliated store corresponding to a unique code read from the UGID among the affiliated stores having the wireless terminal is identified and that the affiliated store wireless terminal 300 that transmits the sound wave signal specified to the identified affiliated store have.

When the merchant corresponding to the UGID (or the merchant corresponding to the unique code read out from the UGID) among the merchants having the merchant wireless terminal 300 that transmits the specified sound signal is identified and authenticated, the transaction registration confirmation unit 245, Identifies any transaction registration information uniquely identified through the UGID among the transaction registration information registered through the merchant wireless terminal 300 of the identified and authenticated merchant.

According to the embodiment of the present invention, the transaction registration information registered from the merchant wireless terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time. However, It is preferable that the transaction registration information is any one of the transaction registration information, and the transaction registration confirmation unit 245 identifies the transaction registration information from the transaction registration information registered from the affiliate shop wireless terminal 300 operated by the identified and authenticated merchant for a predetermined time It is possible to confirm a transaction registration information which is uniquely identified.

If any transaction registration information uniquely identified for a predetermined period of time is identified through the UGID from among at least one transaction registration information registered through the affiliate dealer wireless terminal 300 operated by the merchant that is uniquely identified through the UGID, The authentication processing unit 240 identifies the disposable authentication code stored in association with the UGID and / or stored in association with the transaction registration information through the transaction registration management unit 225, and stores the authentication code included in the identification information and the stored By comparing and authenticating the authentication code, the validity of any one specific transaction registration information (or a specific transaction) identified through the UGID can be authenticated.

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

When the transaction amount to be reverse-paid is confirmed / calculated, the transaction information providing unit 250 may include at least one piece of information included in the transaction registration information (for example, (For example, at least one of information, date and time information, merchant registration information, merchant information, and terminal information) and / or information on merchant stores registered through the information storage unit 205 And at least one of the terminal information). The transaction information providing unit 250 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. Meanwhile, the transaction information providing unit 250 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, outputs the transaction information through the designated interface screen on the application screen, . Upon determining the payment transaction of the transaction information, the operational application 420 may provide a payment interface corresponding to at least one embodiment (or at least a partial combination of two or more embodiments) of the first through third payment procedure embodiments of the present invention (For example, a set of pieces of information necessary for settlement among the pieces of settlement information of the transaction information) for settlement of the transaction amount (however, when the transaction information is directly used as the settlement information, the transaction information displayed on the interface screen is used (Or at least a partial combination of two or more embodiments) of the first to third payment procedure embodiments of the present invention, and can perform the terminal side payment procedure for payment processing of the transaction amount And a payment server (100) of a specified billing system linked to the operating app (420) via a designated path, Payment may be approved.

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

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

FIG. 3 is a diagram showing a functional configuration of a wireless terminal of an affiliate shop according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a configuration of a merchant wireless terminal 300 having a function configuration for transmitting a specified sound wave signal, which is provided at an affiliated shop, and it is understood by those skilled in the art that, Referring to and / or modified with respect to FIG. 3, various methods of performing the functions of the affiliated store wireless terminal 300 can be deduced. However, the present invention includes all the methods to be inferred, The technical features thereof are not limited only by the method of implementation. Preferably, the merchant wireless terminal 300 of FIG. 3 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

Referring to FIG. 3, the merchant wireless terminal 300 includes a control unit 302, a memory unit 318, a screen output unit 304, a user input unit 306, a sound output unit 308, and a sound input unit 310 A short range network communication unit 312, a wireless network communication unit 314, a USIM reader unit 316, and a USIM, and has a battery for power supply.

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

The memory unit 318 is a general term of a nonvolatile memory corresponding to a storage resource of the affiliate shop wireless terminal 300 and includes at least one program code executed through the control unit 302 and at least one And stores the data set. The memory unit 318 basically includes a system program code and a system data set corresponding to the operating system of the affiliate shop wireless terminal 300, a communication program code for processing wireless communication connection of the affiliate shop wireless terminal 300, And at least one application program code and application data set, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 318. [

The screen output unit 304 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 304. The screen output unit 304 is connected to the control unit 302, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen coupled to the screen output unit 304), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 302 or data necessary for the operation of the control unit 302. [

The sound wave output unit 308 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 308. The sound wave output unit 308 decodes data corresponding to a sound wave output among various calculation results of the control unit 302, Analog output is output through the output device.

The sound wave input unit 310 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 310. The sound wave input unit 310 digitizes and / or encodes the analog sound wave input through the sound wave input unit, .

The wireless network communication unit 314 and the short-range network communication unit 312 are collectively referred to as communication resources for connecting the affiliate shop wireless terminal 300 to a designated communication network. Preferably, the franchisee wireless terminal 300 may include a wireless network communication unit 314 as a basic communication resource, and may include one or more short-range network communication unit 312.

The wireless network communication unit 314 collectively refers to a communication resource for connecting the affiliate shop wireless terminal 300 to a wireless communication network via a base station. The wireless communication unit 314 includes an antenna, an RF module, a baseband module, And a signal processing module. The controller 302 is connected to the controller 302 and transmits the operation result corresponding to the wireless communication among the various operation results of the controller 302 through the wireless communication network or transmits the data through the wireless communication network And transmits it to the control unit 302, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 314 can connect the merchant wireless terminal 300 to a call network including a call channel and a data channel via the exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 314 is a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 314 may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 314. [ That is, the wireless network communication unit 314 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 312 connects the communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium, and collectively refers to communication resources for connecting the affiliate shop wireless terminal 300 to the communication network Preferably, the merchant wireless terminal 300 can be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 312 may be integrated with or separated from the wireless network communication unit 314. According to the present invention, the short-range network communication unit 312 connects the affiliate shop wireless terminal 300 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 316 is configured to exchange at least one data set with a universal subscriber identity module that is mounted or detached from the affiliate shop wireless terminal 300 based on the ISO / IEC 7816 standard As a generic term, 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 provided with an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 316, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the affiliate shop wireless terminal 300, connected to the input / output interface, for storing the data set, To the input / output interface.

According to the method of the present invention, the merchant wireless terminal 300 may include a merchant payment unit 315 corresponding to an application for processing a specified payment (for example, forward payment), whereby the present invention is not limited No.

The control unit 302 of the user wireless terminal 400 receives the merchant application 320 for the reverse payment of the present invention from a designated application providing server (e.g., Apple's App Store, etc.) through a data network accessible via the communication resource ) Can be downloaded and installed.

The merchant wireless terminal 300 installs and executes the downloaded merchant application 320 for reverse payment according to the present invention. The merchant application 320 may be realized in the form of a separate application installed in the affiliate shop wireless terminal 300 or may be implemented in an interlocking app form operating in conjunction with the affiliate shop payment unit 315, And the application corresponding to the merchant application 315. The present invention is not limited by the manner in which the merchant application 320 is implemented.

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 registers at least one merchant-related information in the designated operating server 200, or transmits the information of the merchant wireless terminal 300 And an information registration unit 325 for registering a unique code that uniquely identifies the franchisee.

The information registering unit 325 registers the merchant registration information for the merchant having the merchant wireless terminal 300 that transmits the specified sound wave signal, the merchant information provided to the merchant store for payment, Related information related to at least one out of the terminal information, and transmits the input / verified merchant-related information to the designated operating server 200, thereby requesting the operating server 200 to register the merchant-related information , The operating server 200 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 franchisee wireless terminal 300 that transmits the sound wave signal to the designated operation server 200. In this case, (200) confirms a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention according to at least one embodiment of the first to sixth inherent code checking embodiments of the present invention , And the identified unique code may be processed in association with the merchant-related information and stored in a designated storage medium.

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 inputs / verifies amount information for reverse payment and transmits transaction registration information including the amount information to the designated operation server 200 A transaction registration unit 330 for registering and transmitting the transaction information, and a merchant point having the merchant point wireless terminal 300 that transmits the sound signal, and identifies a unique transaction corresponding to the transaction registration information as a UGID A UGID registration unit 340 for transmitting and registering the generated UGID to the designated operation server 200 and a UGID registration unit 340 for registering transaction registration information uniquely identified for a predetermined period of time And a registration result information receiving unit (345) for receiving registration result information including the generated one-time authentication code for authenticating the validity of the UGID There can be further included. For the sake of convenience, the registration result information will be described with particular emphasis on an embodiment including both the UGID and the disposable authentication code.

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

The 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 According to an embodiment of the present invention, a merchant having the merchant wireless terminal 300 that transmits the sound wave signal is uniquely identified separately and a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information is generated. 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 merchant wireless terminal 300 that transmits the sound wave signal, 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 sound wave signal for at least a predetermined time using the temporary unique code And a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information can be generated. As a result, the present invention is not limited thereto No.

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. In order to authenticate the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, the operation server 200 may transmit the UGID to at least one of the first to sixth authentication code embodiments To generate the disposable authentication code dynamically. The operation server 200 may associate the transaction registration information with the UGID and the disposable authentication code and provide the registration result information including the UGID and the disposable authentication code to the affiliate shop wireless terminal 300, The registration result receiving unit 345 receives the registration result information including the UGID and the disposable authentication code from the operation server 200. [

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 includes an information configuration unit 350 that configures transmission information of a designated structure to be transmitted through a specified sound wave signal, And a signal transmission processing unit (355) for processing the sound wave signal encoded by the transmission information coding unit to transmit the sound wave signal, which is encoded through the signal processing unit (308), to the sound wave signal including the sound wave pattern matched with the transmission information, And a result processing unit 360 for receiving and outputting the payment result information processed in the reverse direction through the user wireless terminal 400 receiving or recognizing the signal.

The information constructing unit 350 constructs transmission information including the UGID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ Meanwhile, when the disposable authentication code is received through the registration result information, the information configuring unit 350 includes the UGID and the disposable authentication code in a designated information structure readable by the operating app 420 of the user wireless terminal 400 Can be configured. Hereinafter, the feature of the present invention will be described focusing on the UGID and the disposable authentication code included in the transmission information.

When the transmission information including the UGID and the disposable authentication code is configured through the information configuration unit 350, the signal transmission processing unit 355 transmits the transmission information through the sound wave output unit 308 to a designated frequency band (Or a sound wave signal including a sound wave pattern matched with the transmission information) is sent out at a designated signal intensity (for example, a signal strength that can be received through a wireless terminal within a specified distance), and the sound wave output (308) transmits the sound wave signal of the designated frequency band including the transmission information provided by the signal transmission processing unit (355) through the predetermined sound wave output unit at a specified signal intensity.

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 input unit 310 may transmit the request signal And supplies the digitalized data to the controller 302. The controller 302 controls the UGID and the disposable authentication code to be checked according to the request signal and / By controlling to configure the transmission information including the UGID and the disposable authentication code through the signal transmission processing unit 355 and to transmit the sound wave signal including the transmission information through the signal transmission processing unit 355, And the sound wave signal corresponding to the signal can be transmitted, so that the present invention is not limited thereto.

When the user wireless terminal 400 receiving or recognizing the sound wave signal recognizes the UGID included in the sound wave signal and confirms the transaction amount identified through the UGID and performs settlement processing through the designated payment system, 360 may receive and output payment result information including the payment result processed through the payment system with the user wireless terminal 400 via the operation server 200. [

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

4 illustrates the functional configuration of the operating application 420 installed in the user wireless terminal 400 and the configuration of the wireless terminal. If the user has a general knowledge in the technical field of the present invention, Referring to and / or modifying FIG. 4, various implementations of the functionality of the user wireless terminal 400 may be inferred, but the present invention includes all of the above- The technical features thereof are not limited only by the method of implementation. Preferably, the wireless terminal 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 user 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 controller 402 is a generic term for controlling the operation of the user wireless terminal 400. The controller 402 includes at least one processor and an execution memory, Bus (BUS). According to the present invention, the control unit 402 loads at least one program code provided in the user wireless terminal 400 through the processor and loads the program code into the execution memory, and outputs the result through at least one And controls the operation of the user wireless terminal (400). Hereinafter, the functional configuration of the operating app 420 implemented in the form of program code will be described in the control unit 402 for convenience.

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the user wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one And stores the data set. The memory unit 418 basically includes a system program code and a system data set corresponding to the operating system of the user wireless terminal 400, a communication program code for processing a wireless communication connection of the user wireless terminal 400, And at least one application program code and application data set, 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 affiliate shop wireless terminal 300 is also input through the sound wave input unit 410, digitized and transmitted to the controller 402, and is read and used through a designated application .

The wireless network communication unit 414 and the local area network communication unit 412 are collectively referred to as communication resources for connecting the user wireless terminal 400 to a designated communication network. The user 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 collectively refers to communication resources for connecting the user wireless terminal 400 to a wireless communication network via a base station. The wireless communication unit 414 includes an antenna, an RF module, a baseband module, And a signal processing module. The control unit 402 is connected to the control unit 402 and transmits operation results corresponding to wireless communication among the various operation results of the control unit 402 through a wireless communication network or transmits data through a wireless communication network And transmits it 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 user wireless terminal 400 to a call network including a call channel and a data channel via an exchange, and in some cases, May be connected to a data network providing communication-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 connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium, and collectively refers to a generic term of communication resources for connecting the user wireless terminal 400 to a communication network The user 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 user wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 includes a universal subscriber identity module (Universal Subscriber Identity Module) that is mounted or detached from the user wireless terminal 400 based on the ISO / IEC 7816 standard and a configuration for exchanging at least one data set As a generic term, 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) a program code for the IC chip in accordance with at least one command transmitted from the user wireless terminal 400, connected to the input / output interface, for storing the data set, To the input / output interface.

The control unit 402 of the user wireless terminal 400 may download and install the designated operating application 420 from a designated application providing server (e.g., Apple's App Store, etc.) through a data network accessible through the communication resource .

4, the operating app 420 of the user wireless terminal 400 includes a signal checking unit 425 for checking the sound wave signal input from the merchant wireless terminal 300 through the sound wave input unit 410, A signal recognition unit 430 for recognizing the UGID and the disposable authentication code included in the sound wave signal input from the affiliate shop wireless terminal 300, and a UGID (or a sound wave pattern matching the UGID) recognized through the sound wave signal And transmits the sound wave signal to the franchise point visited by the user by reading the UGID from the operation server 200. The franchise point mobile terminal (300), and when a transaction registration information uniquely identified through the UGID among the transaction registration information registered through the identification and authenticated merchant wireless terminal (300) is identified, A transaction information receiving unit 440 for receiving transaction information including a transaction amount corresponding to the amount information of the transaction registration information from the server 200, a settlement processing unit 440 for processing settlement of the transaction amount using the designated user settlement means, And a settlement processing unit 445 for processing the settlement processing to be performed.

The signal verifying unit 425 receives at least one of the first to fourth operating app operation embodiments of the present invention to receive the sound wave signal transmitted from the affiliate shop wireless terminal 300 through the sound wave input unit 410 . If the sound wave signal transmitted from the affiliate shop wireless terminal 300 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, Recognizes embedded UGID and disposable authentication code.

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

The operation server 200 receives the identification information including the UGID and the disposable authentication code from the operating application 420 of the user wireless terminal 400, reads the UGID included in the identification information, And can identify and authenticate any one of the affiliated stores corresponding to the read unique code among the affiliated stores including the affiliated store wireless terminal 300 that transmits the specified unique code and transmits the specified acoustic signal.

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

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

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

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

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

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

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

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

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

More specifically, FIG. 5 illustrates an embodiment of an information registration process for reverse payment using the merchant wireless terminal 300 that transmits a specified sound wave signal. It is possible to refer to and / or modify the FIG. 5 to various embodiments of the information registration process (for example, omitting some steps or changing the order). However, All the methods of implementation are included, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, a merchant wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliated store stores merchant registration information for the merchant, (500) the at least one merchant-related information among the merchant information, the merchant information, and the terminal information provided at the merchant wireless terminal 300, and the operating server 200 transmits the merchant-related information from the merchant wireless terminal 300 And can register and store 505 a designated storage medium. 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 franchisee wireless terminal 300 that transmits the sound wave signal requests registration of a unique code that uniquely identifies a franchisee having the franchisee wireless terminal 300 that transmits the sound wave signal to the designated operation server 200 (510 ), The operation server 200 corresponds to at least one embodiment of the first to fourth inherent code embodiments of the present invention in accordance with at least one embodiment of the first to sixth inherent code checking embodiments of the present invention (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).

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 the merchant wireless terminal 300 that transmits a designated sound signal requests transaction registration information including amount information for reverse payment to the operation server 200, When the UGID generated by hiding a designated unique code is requested to be registered in 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 from the affiliate shop wireless terminal 300 It is understood that those skilled in the art will be able to refer to and / or modify the FIGURE 6 to determine whether the transaction registration or the reverse UGID It will be appreciated that various implementations of the propagation process (e.g., omitting some of the steps or changing the order) may be inferred, The present invention is not limited to the technical features of the present invention.

Referring to FIG. 6, an affiliate shop wireless terminal 300 having a function of transmitting a sound wave signal provided at an affiliate store receives money amount information for reverse payment using a specified sound wave signal or confirms the money amount information according to a designated procedure (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 and stores transaction registration information including the money amount information from the merchant wireless terminal 300 (610). Meanwhile, the franchisee wireless terminal 300 checks the unique code that uniquely identifies the franchisee that has the franchisee wireless terminal 300 and registers the transaction registration information (615). On the other hand, in the case of an embodiment in which an exclusive code is not assigned to a merchant having the merchant wireless terminal 300 that transmits the sound signal, the merchant wireless terminal 300 can generate a UGID through the embodiment of FIG. have.

If the unique code that identifies the merchant that has the merchant wireless terminal 300 and registers the transaction registration information is identified, the merchant wireless terminal 300 reads only the identified unique code through the specified specific device / server (Step 620). The UGID uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal while hiding it, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information. Preferably, the merchant wireless terminal 300 uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal through at least one embodiment of the UGID generation embodiment of the present invention, A UGID may be generated that uniquely identifies the particular transaction corresponding to the registration information (620).

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

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (635). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (635).

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

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 (650), checks the UGID and the disposable authentication code to be transmitted through the specified sound wave signal ( The UGID and the disposable authentication code are configured in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400), and at the same time, The sound wave signal including the transmission information is transmitted through the sound wave signal (665), and the sound wave signal transmitted from the affiliate shop wireless terminal (300) is received by the user wireless terminal (400) in the vicinity.

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 the merchant wireless terminal 300 that transmits a designated sound signal requests transaction registration information including amount information for reverse payment to the operation server 200, When the created UGID is registered in 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 transaction terminal 200 in the reverse direction It is to be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention by referring to and / (E. G., An implementation where some steps have been omitted or reordered), the present invention encompasses all such enumerated methods of implementation Becomes luer, it is not limited that the technical features of only the exemplary method shown in the figure 7.

Referring to FIG. 7, a merchant wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliate store receives money amount information for reverse payment using a specified sound wave signal or confirms the money amount information according to a designated procedure (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 and stores transaction registration information including the money amount information from the merchant wireless terminal 300 (710). Meanwhile, the merchant wireless terminal 300 uniquely identifies the merchant that has the merchant wireless terminal 300 and registers the transaction registration information, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information (715). Preferably, the merchant wireless terminal 300 separately identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time At the same time, a UGID can be generated that uniquely identifies the specific transaction corresponding to the transaction registration information (715).

If the UGID is generated, the merchant wireless terminal 300 requests the operation server 200 to register the UGID 720, and the operation server 200 receives the UGID from the merchant wireless terminal 300 (725).

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of the transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (730). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (730).

If the UGID and the disposable authentication code are generated, the operation server 200 associates the transaction registration information with the UGID and the disposable authentication code and stores the UGID and the disposable authentication code in a designated storage medium (735) Registration result information including the UGID and the disposable authentication code is transmitted (740).

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 (745), checks the UGID and the disposable authentication code to be transmitted through the designated sound wave signal ( 750) and constructs (755) transmission information including the UGID and the disposable authentication code in a designated structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) (760) the sound wave signal including the transmission information through the sound wave signal, and the sound wave signal transmitted from the affiliate shop wireless terminal (300) is received by the near user wireless terminal (400).

8 is a diagram illustrating a process of recognizing sound signals or providing transaction information of a user wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 8 is a flowchart illustrating a process of receiving and reading out an acoustic wave signal transmitted from the affiliate shop wireless terminal 300 through the process of FIG. 6 or FIG. 7 in the operating app 420 of the user wireless terminal 400 and transmitting the UGID and the disposable authentication code And transmits identification information including the UGID and the disposable authentication code to the designated operation server 200. The operation server 200 identifies the merchant having the merchant wireless terminal 300 through the UGID, And confirms any transaction registration information uniquely identified through the UGID among the transaction registration information registered at the identified and authenticated merchant and then transmits the transaction registration information to the operation app 420 of the user wireless terminal 400 And providing transaction information including the amount of transaction verified / calculated based on the information. The present invention is not limited to the above embodiments, It is possible to refer to various methods (for example, omitting some steps or changing the order) of the sound wave signal recognition or transaction information providing process by referencing and / or modifying FIG. 8, The present invention is not limited to the above-described embodiments, but may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

Referring to FIG. 8, when transmitting the sound wave signal including the UGID and the disposable authentication code from the merchant wireless terminal 300 through the process shown in FIG. 6 or FIG. 7, The controller 420 checks whether a specified sound wave signal transmitted through the affiliate shop wireless terminal 300 is input through the sound wave input unit 310 of the user wireless terminal 400 in operation 800. If it is confirmed that the designated sound wave signal transmitted through the merchant wireless terminal 300 is input, the operating app 420 of the user wireless terminal 400 reads the inputted sound wave signal and recognizes the UGID and the disposable authentication code (805). Preferably, the operating app 420 of the user wireless terminal 400 receives the sound waves transmitted through the merchant wireless terminal 300 through at least one of the first through fourth operational app operation embodiments of the present invention Signal to read the UGID and the disposable authentication code.

If the UGID and the disposable authentication code are recognized through the sound wave signal input from the merchant wireless terminal 300, the operating app 420 of the user wireless terminal 400 transmits the recognition information including the UGID and the disposable authentication code And transmits recognition information including the UGID and the disposable authentication code to the operation server 200 (810).

The operation server 200 receives (815) recognition information including the UGID and the disposable authentication code, and reads the UGID of the recognition information (e.g., decodes it through a decoding rule corresponding to the encoding rule in which the UGID is generated) (820), and the user wireless terminal 400 (or the operating app 420) uses the registered information and the read unique code after reading the unique code concealed in the UGID 820, A franchisee that has visited the franchisee, that is, the franchisee having the franchisee wireless terminal 300 that transmits the sound wave signal (step 825). If the temporary unique code is included in the UGID, the temporary unique code read out through the temporary unique code included in (or hidden from) the UGID associated with the transaction registration information registered from each merchant and transmits the sound wave signal The franchisee having the franchisee wireless terminal 300 can be authenticated and authenticated, and thus the present invention is not limited thereto.

Meanwhile, if the merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID included in the identification information is not unique identification authenticated, the operation server 200 transmits the operating app of the user wireless terminal 400 The operation application 420 of the user wireless terminal 400 receives and outputs the identification / authentication error for the UGID included in the identification information in step 420 ).

Meanwhile, when the merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID of the identification information is authenticated and authenticated, the operation server 200 determines whether the merchant is uniquely identified through the UGID The registration information is confirmed (840). If the transaction registration information identified through the UGID is not confirmed, the operation server 200 provides an identification / authentication error for the transaction registration information to the operational application 420 of the user wireless terminal 400 830). The operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

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

Meanwhile, when a merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID of the identification information is uniquely identified and authenticated, a transaction registration information is identified, and the transaction registration When the validity of the information is authenticated, the operation server 200 confirms / calculates the transaction amount corresponding to the amount information of the identified / authenticated transaction registration information (850) 420), and the operational application 420 of the user wireless terminal 400 receives and outputs the transaction information including the transaction amount (step 855) 860).

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

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

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

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

100: Payment server 200: Operating server
205: information storage unit 210: transaction registration receiver
215: UGID receiver 220: Authentication code generator
225: Transaction registration manager 230: Registration result provider
235: recognition information receiving unit 240: identification / authentication processing unit
245: transaction registration confirmation unit 250: transaction information provider
255: payment procedure processing unit 260: payment result processing unit
300: Merchant's wireless terminal 310: Sound wave input unit
315: merchant payment department 320: merchant application
325: Information registering part 330: Transaction registering part
335: UGID generation unit 340: UGID registration unit
345: registration result reception unit 350: information configuration unit
355: Signal transmission processing section 360: Result processing 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: Payment processing unit

Claims (14)

A method for communicating with an affiliate store wireless terminal that transmits a specified sound wave signal via a local area network,
The operation server receives the transaction registration information including the money amount information from the wireless terminal of the merchant point to which the operating sound wave signal is to be transmitted from the mobile terminal and transmits the designated sound wave signal to the operation terminal, Receiving a UGID (Uniquely Generated IDentification) generated through the merchant wireless terminal to uniquely identify a specific transaction corresponding to the UGID;
A second step of generating a disposable authentication code for authenticating the validity of the specific transaction identified by the UGID by the operation server;
A third step of the operation server associating and storing the transaction registration information with the UGID and the authentication code;
The operating server reads the sound wave signal from the designated operating app of the user wireless terminal that has received the sound wave signal transmitted from the nearby point-of-sale wireless terminal provided at the merchant and includes information corresponding to the recognized UGID and the authentication code A fourth step of receiving recognition information;
The operation server reads the UGID corresponding to the identification information and uniquely identifies the merchant having the merchant wireless terminal that has transmitted the sound wave signal, and authenticates the merchant with the UGID of the transaction registration information registered at the merchant A fifth step of confirming the transaction registration information identified as the transaction registration information and authenticating the validity of the transaction registration information confirmed through the authentication code;
And when the transaction registration information is identified and authenticated, the operation server provides transaction information including a transaction amount corresponding to the amount information of the transaction registration information to the operating app of the user wireless terminal,
Wherein the transaction amount is used for a payment procedure performed through an operating app of the user wireless terminal.
The method according to claim 1,
Confirming a unique code that uniquely identifies a franchisee having a franchisee wireless terminal that transmits the sound wave signal from the operating server to the franchisee;
Associating and storing at least one merchant-related information among the merchant registration information on the merchant, the merchant information on the merchant for settlement, and the terminal information on the merchant wireless terminal, The method as claimed in claim 1, further comprising the step of transmitting the sound wave signal.
2. The method of claim 1,
And generating a unique code for separately identifying a franchisee having a franchisee wireless terminal for transmitting a specified sound wave signal from the franchisee to a franchisee wireless terminal.
2. The method of claim 1,
Characterized in that a unique code for separately identifying a franchisee having a franchisee wireless terminal for transmitting a specified sound wave signal in a short distance is hidden so as to be readable and has a different code value for each transaction registration information, An asynchronous reverse payment method using a wireless terminal of a merchant.
2. The method of claim 1,
A unique code that uniquely identifies a franchisee having a franchisee wireless terminal that transmits a specified sound wave signal in a short distance and specific time information in accordance with a specified encoding rule so that the unique code can be read out only through a predetermined device or server, Wherein the transaction information is generated to have a different code value according to transaction registration information of the merchant.
2. The method of claim 1,
Encodes a unique code and an arbitrary random number information that uniquely identify a franchisee having a franchisee wireless terminal that transmits a specified sound wave signal in a short distance in accordance with a specified encoding rule so that the unique code can be read out only through a predetermined device or server And generating a different code value for each transaction registration information. The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal.
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a merchant wireless terminal that transmits a specified sound wave signal in a short distance, specific time information, and random number information according to a specified encoding rule, and reads the unique code only through a predetermined device or server And generating a different code value for each of the transaction registration information. The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal.
8. The method according to any one of claims 2 to 7,
In order to uniquely identify a merchant having a merchant wireless terminal that transmits a specified sound wave signal in a short distance, a unique code,
A unique code determined to be uniquely identified in order to uniquely identify an affiliate store wireless terminal that transmits the sound wave signal at a short distance after the function of transmitting the sound wave signal designated at the affiliate store wireless terminal is implemented,
Characterized in that it comprises at least one inherent code among unique codes determined not to be duplicated in order to uniquely identify the franchisee wireless terminal to install and execute the app after installing an app for transmitting a sound wave signal to a franchisee wireless terminal at a short distance And transmitting the sound wave signal to the mobile terminal.
The information processing apparatus according to claim 1,
Merchant information given to the merchant for payment,
Terminal information provided to the merchant wireless terminal,
And an inherent code for separately identifying a franchisee having a franchisee wireless terminal for transmitting a specified sound wave signal in a short distance. The asynchronous reverse payment method using the franchisee wireless terminal for transmitting the sound wave signal.
2. The method according to claim 1,
Further comprising the step of providing UGID and an authentication code associated with the transaction registration information to the merchant wireless terminal, wherein the UGID and the authentication code are transmitted to the merchant wireless terminal.
3. The method as claimed in claim 2,
And reading the UGID, reading the unique code hidden in the UGID, and transmitting the specified sound signal using the read unique code. Asynchronous reverse payment method using a wireless terminal of a merchant transmitting a sound wave signal.
The method according to claim 1,
Information on the amount of transaction registration information,
And an amount calculated based on the amount information of the transaction registration information. The asynchronous reverse payment method using the wireless terminal of the merchant transmitting the sound wave signal.
The method according to claim 1,
Receiving the transaction information by an operating app of the user wireless terminal;
Displaying the transaction amount of the transaction information through the designated payment interface; And
And performing a settlement procedure for processing settlement of the transaction amount based on a user operation on the settlement interface. The method of claim 1, wherein the asynchronous reverse direction Payment Method.
14. The method according to claim 1 or 13,
Via the operating server, or
And transmitting the sound wave signal to the mobile terminal through a separate designated server linked with the operating app.

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