KR20180017320A - Method for Providing Asynchronous Reverse Direction Payment by using Sound Signal Device - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a sound wave device. According to the present invention, the asynchronous reverse payment method using a sound wave device, which is performed through a payment application and an authentication server which are executed in a user wireless terminal that has received a designated sound wave signal transmitted in near-field through a separate sound wave device provided in a franchise, comprises the following steps of: allowing a designated payment application of a user wireless terminal that has received a sound wave signal transmitted in near-field through the sound wave device provided in the franchise to confirm transaction information including a predetermined transaction amount of money based on information recognized by reading the received sound wave signal and to confirm uniquely generated identification (UGID) generated for uniquely identifying a particular transaction corresponding to the transaction information while separately and uniquely identifying the franchise having the sound wave device at the same time; allowing the payment application to transmit recognition information including information corresponding to the UGID and transaction information to a designated authentication server; allowing the authentication server to receive the recognition information including the information corresponding to the UGID and the transaction information through a designated path; allowing the authentication server to transfer the recognition information to an operating server that manages a UGID so as to receive authentication result information obtained by uniquely identifying and authenticating a franchise having a sound wave device from the operating server, or to confirm the authentication result information obtained by uniquely identifying and authenticating the franchise having the sound wave device by reading a UGID of the recognition information; and allowing the authentication server to relay and transfer the transaction information to a designated payment server based on the authentication result information so as to process payment.

Description

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

The present invention relates to a method and apparatus for reading transaction information including a predetermined transaction amount input through the sound wave device by reading the sound wave signal from a designated payment application of a user wireless terminal transmitted from a separate sound wave device provided at an affiliate shop, (Or a sound pattern matching UGID) after recognizing / confirming a unique UGID (Uniquely Generated IDentification) generated to uniquely identify a specific transaction corresponding to the transaction information, And transmits the recognized information and the transaction information to an authentication server associated with the payment application, and identifies the recognized / confirmed transaction information through the recognition information as transaction information of an affiliated store having a specified sound wave device, The settlement procedure of the transaction information is relayed to settle the transaction information.

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

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

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

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

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

An object of the present invention to overcome the above problems is to provide a method and a system for reading out a sound wave signal from a designated payment application of a user wireless terminal transmitted from a separate sound wave device provided at a merchant, Authenticating the transaction information including the money and the merchant having the sound wave device separately, and recognizing / confirming the generated Unique Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction information, Transmits the recognition information including the UGID (or a sound wave pattern matched with the UGID) and transaction information to an authentication server associated with the payment application, and transmits the recognized / confirmed transaction information to the authentication server The transaction information of the merchant is relayed through the authentication server to the settlement procedure at the identification authentication time The present invention provides an asynchronous reverse payment method using a sound wave device.

The asynchronous reverse payment method using the sound wave device according to the present invention is a method in which a payment application executed in a user wireless terminal that has received a specified sound wave signal transmitted from a nearby sound wave device via a separate sound wave device and executed through an authentication server The predetermined payment application of the user wireless terminal receiving the sound wave transmitted from the sound wave device provided at the merchant point reads the received sound wave signal and generates transaction information including a predetermined transaction amount based on the recognized information A first step of uniquely identifying a merchant having the sound wave device and identifying a generated Unique Generated IDentification (UGID) to uniquely identify a specific transaction corresponding to the transaction information, And transmits the identification information and the transaction information including the information corresponding to the UGID to the designated authentication server A third step of receiving authentication information and transaction information including information corresponding to the UGID via the designated path of the authentication server, and a third step of transmitting the authentication information to the operation server managing the UGID Receiving authentication result information obtained by authenticating the franchisee having the sound wave device through the UGID from the operation server or reading the UGID of the recognition information and authenticating the franchisee having the sound wave device And a fifth step of the authentication server relaying the transaction information to the designated payment server based on the authentication result information and processing the transaction information to be settled.

In the asynchronous reverse payment method using the sound wave device according to the present invention, the UGID may be generated through the sound wave device of the merchant, or generated through the payment application, or when the sound wave device is associated with the merchant- And is generated through a merchant terminal connected to the sound wave device.

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

In the asynchronous reverse payment method using the sound wave device according to the present invention, the UGID may be generated by hiding a unique code that uniquely identifies a merchant having a sound wave device separately from each other, and generating a different code value for each transaction information .

In the asynchronous reverse payment method using the sound wave device according to the present invention, the UGID may include a unique code that uniquely identifies a merchant having a sound wave device, and specific time information, according to a specified encoding rule, The unique code is generated so as to be read out so as to have a different code value for each transaction information.

In the asynchronous reverse payment method using the sound wave device according to the present invention, the UGID may be generated by encoding a unique code and a random number information that uniquely identify a merchant having a sound wave device separately according to a specified encoding rule, So that the inherent code can be read out and stored in a different code value for each transaction information.

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

In the asynchronous reverse payment method using the sound wave device according to the present invention, the inherent code may be a unique code determined to be uniquely identified to uniquely identify a merchant having the sound wave device, And at least one inherent code among the inherent codes determined not to be duplicated.

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

In the asynchronous reverse payment method using the sound wave device according to the present invention, the transaction information may further include at least one of the merchant information given to the merchant for payment and the unique code for separately identifying the merchant having the sound wave device .

In the asynchronous reverse payment method using the sound wave device according to the present invention, the recognition information further includes a disposable code that is dynamically generated through the sound wave device at the merchant shop and read and recognized by the payment application, .

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing the functional configuration of the sound wave device 300 of the affiliated store according to the method 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.
6 is a diagram illustrating a process of transmitting and receiving a sound wave signal for reverse payment according to an embodiment of the present invention.
7 is a diagram illustrating a process of performing an uplink payment procedure according to an embodiment of the present invention.
8 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.

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

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

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

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

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

1 is a block diagram illustrating a configuration of a mobile terminal 400 according to an exemplary embodiment of the present invention. Referring to FIG. 1, the sound wave signal is read from a designated payment application 420 of a user wireless terminal 400 transmitted from a separate sound wave device 300 provided at an affiliate shop, (UGID) generated to separately identify the specific transaction corresponding to the transaction information, and to authenticate the transaction information including the inputted transaction amount and the merchant having the sound wave device 300 separately, And transmits the recognition information and the transaction information including the UGID (or the sound wave pattern matched with the UGID) to the authentication server 100 associated with the payment application 420, The transaction information of the merchant having the specified sound wave device 300 is identified and authenticated, and the payment transaction of the transaction information is relayed through the authentication server 100 1 is a block diagram of a system for providing a reverse payment system using a sound wave device 300 of a merchant's point according to an embodiment of the present invention. It is to be understood that the invention may be practiced with other modes of practicing the invention (for example, omitting some of the components, or subdividing, or combining the practice) The technical characteristics thereof are not limited.

The system of the present invention includes a predetermined transaction amount, which is provided to a designated franchisee and is input for settlement of the franchisee, uniquely identifies the franchisee, and includes information for uniquely identifying a specific transaction of the franchisee A sound wave device 300 of a merchant point for transmitting a signal at a short distance, a sound wave device 300 for recognizing various information included in a sound wave signal transmitted through the merchant sound wave device 300, And an operation server 200 interworking with an authentication server 100 associated with the payment application 420 of the user wireless terminal 400. The billing application 420 is installed in the billing application 420, An authentication server 100 interlocked with the payment application 420 of the user wireless terminal 400 and interworking with the operation server 200 and a payment server 420 provided on the payment system, barrel And a settlement server 105 for performing a server-side settlement procedure corresponding to the settlement procedure to be performed, and the merchant terminal 110 for registering information specified in the operation server 200 according to an embodiment .

The merchant terminal 110 is a collective term for a terminal operated by an affiliated store having a sound wave device 300 for transmitting a specified sound wave signal and is capable of communicating with the operation server 200 through a communication network, Or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 and / or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 have. The merchant terminal 110 may be a merchant terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each merchant or a merchant wireless terminal (e.g., a smart phone, a mobile phone, ) Or a wireless terminal owned by a merchant (or an employee), and is not limited to a specific terminal.

According to the embodiment of the present invention, the merchant terminal (110) can perform a predetermined information registration procedure for the reverse payment using the sound wave device (300) to the designated operation server (200). Preferably, the merchant terminal 110 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / business name, business number, etc.) to the designated operating server 200 can do. On the other hand, the merchant terminal 110 stores the merchant information given to the merchant in a designated storage area for a predetermined payment (for example, a forward payment for transferring the specialties to the card issuer from the merchant terminal via the VAN) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the franchise-point-side terminal 110 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 110 among terminals included in the franchisee, information given to the franchise terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The merchant terminal 110 (or a separate operating terminal (not shown) associated with the operating server 200) transmits a designated unique code (for example, a merchant with a sound wave device 300 that transmits a specified sound wave signal And / or a separate unique code that uniquely identifies the merchant-side terminal 110 operated by the merchant with the sound wave device 300, and / A unique code that uniquely identifies the sound wave device 300 that transmits the sound wave signal, and the like), and processes the unique code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the inherent code may include a code value assigned to the merchant, which is determined so as not to be duplicated in order to uniquely identify the merchant having the sound wave device 300 separately. (For example, merchant information such as a merchant's shop number for a (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant shop may be transmitted to the merchant through the sound wave device 300, The unique code is provided with the sound wave device 300 at the merchant point to separately identify the merchant having the sound wave device 300 separately And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 110 of the merchant having the sound wave device 300 . If the merchant terminal 110 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal is information provided to identify only the merchant terminal irrespective of whether the corresponding merchant terminal is provided with the sound wave device 300. On the other hand, The unique code includes the sound wave device 300 at an affiliated store so that a unique code value is determined which is not redundantly determined in order to uniquely identify the affiliated store terminal 110 provided at the affiliated store including the sound wave device 300. [ . ≪ / RTI >

According to the third specific code embodiment of the present invention, the inherent code may include a code value that is not redundantly determined to uniquely identify the sound wave device 300 provided at the merchant. In order to uniquely identify the sound wave device 300, the sound wave device 300 provided at the merchant may be assigned a unique code value that is not duplicated. In this case, the code value assigned to the sound wave device 300 may be referred to as a sound wave device The franchisee having the mobile terminal 300 can be used as a unique code that uniquely identifies the franchisee.

According to a fourth inherent code embodiment of the present invention, the inherent code may comprise a code that at least partially combines at least two of the first through third inherent code embodiments, It is not limited. That is, it is evident that the inherent code of the present invention belongs to the scope of the present invention regardless of any code that is not redundantly assigned to uniquely identify the sound wave device 300.

According to the embodiment of the present invention, the affiliated shop terminal 110 (or the information registration terminal used in the affiliated shop) operated by the affiliated shop having the sound wave device 300 transmits the first To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first inherent code checking embodiment of the present invention, the inherent code is displayed on one side of the sound wave device 300 of the merchant point, or includes code values printed on the user's manual of the sound wave device 300, In this case, the franchise owner (or employee) of the merchant who receives (or purchases) the merchant point-side sound wave device 300 receives the code value of the sound wave device 300 through the merchant point terminal 110 And the merchant terminal 110 can confirm the unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-side sound wave device 300 can be supplied (or sold) to a merchant while recording a code value unique to a designated storage area, and the sound wave device 300 The merchant terminal 110 of the franchisee who has received (or purchased) the franchisee's terminal is provided with at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication, A wired communication means, and the like). In this case, the merchant terminal 110 requests / receives a code value recorded in a designated storage area of the sound wave device 300 in conjunction with the merchant-point-side sound wave device 300, You can check your own code.

According to the third specific code checking embodiment of the present invention, the merchant terminal 110 may access 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 terminal 110 generates a code value that is not duplicated (or generates a code value) through a designated code generation procedure, And checks the unique code including the generated code value.

According to the fifth unique code checking embodiment of the present invention, the operating server 200 communicating with the merchant point-side terminal 110 generates a code value that is not duplicated (or generates a code value The franchise point terminal 110 may receive the code value determined not to be duplicated from the operation server 200, and may transmit the generated code value to the franchise point terminal 110, And receive a unique code containing the received code value.

According to the sixth specific code checking embodiment of the present invention, the merchant terminal 110 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 embodiment of the present invention, the merchant terminal 110 transmits the unique code confirmed through at least one of the first through sixth unique code checking embodiments to the merchant terminal 110 (or merchant (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale terminal (300) associated with the terminal (110).

According to the method of the present invention, the merchant terminal (110) transmits the unique code identified through at least one of the first through sixth unique code checking embodiments to the specified operating server (200) Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant terminal 110, The inherent code can be linked and stored in the designated storage medium.

The franchise-point-side sound wave device 300 is a collective term of a device that is installed in / operated in a franchise shop and transmits a sound wave signal of a specified frequency band which is received and recognized by a user wireless terminal 400 in a short distance. The payment application 420 includes information necessary for recognizing / confirming the transaction information including the predetermined transaction amount by reading the sound wave signal from the designated payment application 420 of the payment application 420, And simultaneously transmits a specified sound wave signal including information necessary for recognizing / confirming the generated UGID in order to uniquely identify the specific transaction corresponding to the transaction information.

The present invention is characterized in that the payment application (420) of the user wireless terminal (400) transmits a sound wave signal for recognizing / confirming transaction information and UGID through a separate sound wave device (300) The transaction information and the UGID are transmitted to the designated operation server 200 and registered in the transaction server 420, and then the UGID is used to identify and authenticate the merchant having the sound wave device 300, and at the same time, Even if a customer transmits a sound wave signal for the next transaction before the reverse payment of a specific transaction corresponding to the sound wave signal is completed after transmitting the specific sound wave signal from the sound wave device 300, It can have features that are processed asynchronously.

According to the embodiment of the present invention, the franchise point-side sound wave device 300 receives the analogized sound wave signal (for example, the audio frequency domain or the non-audible frequency domain) in a designated frequency domain through a specified sound wave output device The digital information designated by the transmitted sound wave signal may be encoded and transmitted, or the sound wave signal including the designated sound wave pattern may be transmitted.

According to the first sound wave signal transmitting embodiment of the present invention, the franchise point side sound wave device 300 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, Related information, and then codes the information specified in accordance with the sound-wave encoding rule for encoding the digital information so as to be able to recognize the information encoded in the sound wave signal read through the designated app installed in the corresponding wireless terminal 400 It is possible to generate and transmit a sound wave signal, or to encode and send information designated by a specified sound wave signal. Preferably, the sound wave signal may be encoded with a UGID, and one or more designated information may be further encoded, such as at least one code for authenticating an object identified through a UGID according to an implementation method. On the other hand, the sound encoding rule is a rule for encoding a bit stream consisting of '0' and '1' in a sound wave signal (for example, a pseudo noise region of a sound wave signal, (For example, a method of inserting and encoding in a noise region), or a rule for matching a designated frequency (or combination of frequencies) and a designated digit (e.g., a DTMF method or a method of applying the same) , And it is evident that any rule is included in the sound wave encoding rule of the present invention if it is a rule capable of encoding digital information in a sound wave signal.

According to the second sound wave signal transmission embodiment of the present invention, the merchant-side sound wave device 300 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, And then transmits the sound wave signal including the sound wave pattern that can be read and encoded through the designated application installed in the corresponding wireless terminal 400 after being digitized through the built- For example, the sound wave device 300 can transmit 1 million distinct sound patterns different from each other, and the designated application of the user wireless terminal 400 can transmit 1 million sound waves Patterns can be discriminated and recognized, and the 1 million sound wave patterns include a pattern structure that is matched with a code value of one million different from each other or interpreted as different bit combinations within a specified number of bits (for example, 32 bits) Lt; / RTI > Preferably, the sound wave signal includes a sound wave pattern having a pattern structure interpreted as a combination of bits constituting the UGID, and / or a sound wave pattern corresponding to separate sound wave pattern information matching the UGID The sound wave pattern corresponding to the sound wave pattern ID identifying the sound wave pattern matched with the UGID among the sound wave patterns in the specified number of sound wave patterns included in / .

The franchise point side sound wave device 300 of the present invention can be any device capable of sending a sound wave signal recognizable by the designated application of the user wireless terminal 400 based on at least one or two combinations of the sound wave signal transmission examples And the scope of the present invention is clearly defined. Meanwhile, in accordance with the method of operation, the merchant-side sound wave device 300 includes at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC and RF communication or wired communication means such as USB, RS232, etc.) The present invention is not limited to the above embodiment.

According to the embodiment of the present invention, the merchant-side sound wave device 300 is uniquely identified for a certain period of time through the UGID and an affiliated shop (= a merchant having the specified sound wave device 300) uniquely identified through the UGID A single-use code including a code value of a designated code system can be generated to authenticate the validity of a specific transaction. To this end, the merchant terminal 110 (or designated operation (For example, a rule for determining a fixed seed value and / or a seed value) to authenticate the validity of a disposable code generated by the merchant-side sound wave device 300, The sound wave device 300 of the merchant shop can exchange the operation server 200 and the disposable code 200 via the merchant terminal 110. [ The seed information for generating / authenticating the seed information can be stored and managed. Preferably, the operation server 200 can map and store the seed information and the unique code, and the operation server 200 may store at least one of merchant registration information, merchant registration information, and terminal information And the seed information can be stored and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code is used as the seed information, the process of registering the separate seed information may be omitted, and thus the present invention is not limited thereto.

In the reverse payment based on the sound wave device 300 according to the present invention, the merchant-side sound wave device 300 includes an input unit 306 for receiving a predetermined transaction amount, and the sound wave device 300 (Or an employee) who possesses (or operates) a predetermined amount of money for reverse payment. When the transaction amount is input, the merchant-side sound wave device 300 reads the sound wave signal from the designated payment application 420 of the user wireless terminal 400 that receives the sound wave signal, The payment application 420 includes information necessary for recognizing / confirming the transaction information. In the payment application 420, the franchisee having the sound wave device 300 is separately authenticated and authenticated, and the specific transaction corresponding to the transaction information is uniquely identified And transmits the specified sound wave signal including the information necessary for recognizing / confirming the generated UGID to the specified signal strength (for example, a signal strength reachable up to a preset distance) in a short distance.

According to the first transaction amount sending embodiment of the present invention, the merchant-side sound wave device 300 receives a predetermined transaction amount through the input unit 306 and can transmit an acoustic wave signal including the transaction amount . The payment application 420 of the user wireless terminal 400 receiving the sound wave signal reads the sound wave signal, recognizes the transaction amount among various kinds of information included in the sound wave signal, and transmits transaction information including the transaction amount Can be confirmed. If at least one payment related information (for example, merchant information, transaction date, etc.) necessary for payment processing is missing in the confirmed transaction information, the payment application 420 uses the information set in the application to pay the transaction information Related information required for processing and / or transmits the transaction information including the transaction amount to the designated operation server 200, registers the transaction information, and receives payment related information necessary for the settlement processing from the operation server 200, To the transaction information, or to receive the transaction information including the payment related information.

According to the second transaction amount transmission embodiment of the present invention, the merchant-side sound wave device 300 stores (for example, merchant information or the like) at least one payment-related information necessary for the payment process or identifies (for example, And may transmit an acoustic wave signal including the transaction amount and transaction information including the payment related information when a predetermined transaction amount is inputted through the input unit 306. [ The payment application 420 of the user wireless terminal 400 receiving the sound wave signal can read the sound wave signal and recognize the transaction information among various information included in the sound wave signal.

According to the embodiment of the present invention, the merchant-side sound wave device 300 separately identifies the merchant having the sound wave device 300, and at the same time, the transaction information including the transaction amount input through the input unit 306 Generates a UGID (Uniquely Generated IDentification) that uniquely identifies a specific transaction corresponding to the UGID, and sends out the sound wave signal (or the sound wave signal including the sound wave pattern matched with UGID) obtained by encoding the UGID, and / The payment application 420 of the user wireless terminal 400 that has received the sound wave signal can transmit the sound wave signal including information necessary for generating / confirming the UGID. That is, the UGID of the present invention can be generated through the sound wave device 300, and the UGID of the present invention can be generated based on the information (for example, unique code, etc.) And may be generated through the payment application 420 of the terminal 400. If the merchant-side sound wave device 300 can communicate with the predetermined merchant-side sound wave device 300 provided at the merchant, the UGID is generated through the merchant-point-side sound wave device 300 and provided to the sound wave device 300 The present invention is not limited thereto. However, for the sake of simplicity, it should be noted that the present invention is not limited to the embodiment in which the UGID is generated by the sound wave device 300 at the merchant point, but the present invention is not limited thereto.

The UGID of the present invention may be generated by an identification means having uniqueness generated uniquely and with an identification that identifies one or more designated objects. Preferably, the UGID of the present invention is created to have uniqueness that is not duplicated, and it is preferable that the UGID of the present invention includes at least one of identifiability that uniquely identifies a merchant having the sound wave device 300 separately and uniqueness that uniquely identifies a specific transaction corresponding to the specific transaction registration information (Or multiple) identifiably identifying the particular transaction corresponding to the particular transaction registration information, while separately identifying the merchant with the sound wave device 300, Complex) identity. The uniqueity of the UGID of the present invention and the distinctive identification of the merchant separately means that the UGID is created to have a unique value not overlapping with at least a plurality of merchants and the unique UGID of the present invention And having an uniqueness that uniquely identifies a particular transaction means that the UGID is created to have a unique value that is not duplicated for at least a plurality of transactions. In the meantime, the UGID of the present invention has a unique (uniqueness) unique identity and a unique (unique) identity that uniquely identifies a specific transaction. This means that the UGID is not duplicated for a plurality of merchants, It means that it is created to have a unique value that is not duplicated even for a plurality of transactions of each merchant.

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

According to the method of the present invention, the merchant-side sound wave device 300 confirms a unique code that uniquely identifies a merchant having the corresponding sound wave device 300, and transmits the unique code only through a specific device / The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the input transaction amount can be generated. That is, the UGID of the present invention has a distinctiveness that uniquely identifies a merchant having the sound wave device 300 as its own, and at the same time has a distinctiveness that uniquely identifies a specific transaction corresponding to a transaction amount input at a specific point in time .

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

According to the third UGID generation embodiment of the present invention, the merchant-side sound wave device 300 includes a unique code for separately identifying a merchant having the sound wave device 300, time information read according to a specified rule, And performing the specified encoding procedure using at least one of the inherent code, the time information, and the random number information as parameters of an encoding rule for generating a code value of the designated code system, You can create a hidden UGID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the fourth UGID generation embodiment of the present invention, the merchant-side sound wave device 300 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the UGID concealed from the inherent code, The UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule using a key value to conceal the unique 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-side sound wave device 300 exchanges a designated key value with a specific device / server from which the unique code is to be read from the UGID concealed from the unique code, A UGID hiding the unique code 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 a specified rule. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule, key value, and date information, and read the unique code hidden in the UGID.

According to the sixth UGID generation embodiment of the present invention, the franchise point-side sound wave device 300 generates at least one of the first to fifth UGID generation examples by at least partially combining the at least two embodiments, The present invention is not limited thereto.

According to another UGID generation embodiment of the present invention, the merchant-side sound wave device 300 includes (or hides) a temporary unique code determined not to be duplicated for at least a predetermined time even if the unique code is not hidden, 300), and generates a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction amount, and thus the present invention is not limited thereto.

When the UGID is generated through at least one embodiment of the UGID generation, the merchant-side sound wave device 300 generates the sound wave signal (or the sound wave signal including the sound wave pattern matched with the UGID) Can be transmitted. The payment application 420 of the user wireless terminal 400 receiving the sound wave signal can read the sound wave signal and recognize the UGID among various information included in the sound wave signal. Meanwhile, when the payment app 420 of the user wireless terminal 400 recognizing the sound wave signal generates the UGID, the merchant-side sound wave device 300 includes a unique code included in the sound wave device 300 And the payment application 420 of the user wireless terminal 400 that has received the sound wave signal reads the sound wave signal to recognize the unique code among various information included in the sound wave signal, The UGID is generated through at least one of the embodiments of the UGID generation method, and the generated UGID is uniquely identified as the merchant having the sound wave device 300, and at the same time, The UGID can be identified by

On the other hand, when seed information for authenticating the disposable code to be generated through the merchant-side sound wave device 300 is mapped to the operation server 200, the merchant-side sound wave device 300 transmits the one or more At least one dynamic seed value dynamically determined (e.g., a time value corresponding to the current time (or standard time) and / or a value exchanged with the server side authenticating the one-time code, etc.) To the specified code generation algorithm to dynamically generate the one-off code of the specified code system. For example, the one-time code may include code generated dynamically through an algorithm that generates an OTP (One Time Password).

If the disposable code is generated through the sound wave device 300, the merchant-side sound wave device 300 can transmit the sound wave signal including the generated disposable code. The payment application 420 of the user wireless terminal 400 receiving the sound wave signal can read the sound wave signal and recognize the disposable code among various information included in the sound wave signal.

The payment application 420 of the user wireless terminal 400 receiving the sound wave transmitted from the franchise point side sound wave device 300 reads the sound wave signal and recognizes / confirms the transaction information including the predetermined transaction amount Identifies a merchant having the sound wave device 300 separately, identifies / verifies a generated UGID to uniquely identify a specific transaction corresponding to the transaction amount, and controls the sound wave device 300). ≪ / RTI > Hereinafter, it will be apparent that the present invention is not limited to the embodiments in which the payment application 420 recognizes / confirms both the UGID, the disposable code and the transaction information for convenience.

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 affiliated store-side sound wave device 300 by a user, (400) comprises a sound wave input unit (410) for receiving sound wave signals transmitted through the sound wave device (300) of the merchant point, and reads data corresponding to the sound wave signals inputted through the sound wave input unit (410) The transaction information including the transaction amount of the transaction information and the merchant having the sound wave device 300 are separately authenticated and authenticated, and the UGID that uniquely identifies the specific transaction corresponding to the transaction information is recognized / confirmed, A disposable code generated by the sound wave device 300, and a settlement for performing a settlement procedure for a specific transaction of a specific merchant that is identified / authenticated as the recognized / confirmed UGID The application 420 can be installed and executed.

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 affiliated store-side sound wave device 300 by a user, An operation app for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device 300 is installed and confirmed by using the UGID recognized through the operating app, A payment application 420 for performing a payment procedure may be installed.

According to the first embodiment of the present invention, the payment application (420) of the user wireless terminal (400) is operated by the user (or the designated application (Or activated) at the user wireless terminal 400 (according to the procedure). In this case, the payment app 420 is activated (or activated) and at the same time, the sound wave input unit 410 of the user wireless terminal 400 confirms whether or not the sound wave signal is activated for inputting the designated sound wave signal, and the sound wave input unit 410 And if not activated, a series of procedures for activating the sound wave input unit 410 may be performed. When the sound wave input unit 410 of the user wireless terminal 400 is activated or activated, the payment application 420 of the user wireless terminal 400 receives the sound wave input unit 410 through the activated sound wave input unit 410, It is possible to wait for input of the sound wave signal transmitted from the sound wave device 300 of the merchant point and to read the data obtained by digitizing the sound wave signal transmitted through the sound wave device 300 and inputted through the sound wave input part 410 UGID, disposable code and transaction information included in the sound wave signal can be recognized.

According to the second embodiment of the present invention, the payment application 420 of the user wireless terminal 400 may be operated by the user (or a designated application running) before the sound wave signal is transmitted from the merchant sound wave device 300 (Or activated) by the user wireless terminal 400 and the payment application 420 may be driven (or activated) to determine whether to transmit or receive a sound wave signal to the member shop side sound wave device 300 It is possible to display an interface screen. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 300 by the user based on the interface screen, the payment application 420 transmits the sound wave signal to the merchant sound wave device 300 through the sound wave output unit 408 of the user wireless terminal 400 The merchant-side sound wave device 300 may transmit the request signal requesting the merchant-side sound wave device 300 to transmit the specified sound wave signal, and the merchant-side sound wave device 300 may include the UGID, the disposable code and transaction information based on the request signal It is possible to transmit a sound wave signal.

According to the embodiment of the present invention, the request signal may include an identifier that identifies the user wireless terminal 400 (or the payment application 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side sound wave device 300 may transmit the sound wave signal including the UGID, the disposable code, and transaction information and including the identifier. In this case, the payment application 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 sound wave device It is possible to recognize that the signal is a sound signal transmitted through the speaker 300.

The payment app 420 that transmits the request signal to the merchant-side sound wave device 300 receives the sound wave signal corresponding to the request signal from the merchant-point-side sound wave device 300, digitizes the inputted sound wave signal The UGID and the disposable code and the transaction information included in the sound wave signal can be recognized by reading the data.

According to the embodiment of the third aspect of the present invention, the payment application 420 of the user wireless terminal 400 transmits the sound wave signal designated by the sound wave device 300 of the affiliated shop, (Or activated). The payment application 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, the disposable code and the transaction information included in the sound wave signal.

According to the fourth embodiment of the present invention, the payment application 420 of the user wireless terminal 400 may be configured to at least partially combine at least two embodiments of the first to third embodiments of the present invention And can recognize the UGID, the disposable code, and the transaction information included in the sound wave signal input through the sound wave input unit 410, and thus the present invention is not limited thereto.

When at least one of the first to fourth embodiments of the present invention operates to recognize the UGID and the disposable code and the transaction information included in the sound wave signal input from the sound wave device 300, ) Can output the transaction information through a designated interface screen on the application screen. On the other hand, the user of the payment application 420 can determine whether or not to process the transaction information based on the output transaction amount, and to process the transaction screen information on the interface screen when determining the payment transaction of the transaction information You can tell.

When it is determined by the user to process payment of the transaction information, the payment application 420 confirms the payment processing decision of the transaction information, and when the payment transaction of the transaction information is determined, Information can be output (it can be omitted if it has already been outputted).

According to the method of the present invention, the payment application 420 performs a procedure of registering the designated payment means at the first operation after installation in the payment server 105 (or the financial company server issuing the payment means) on the specified payment system And may perform a terminal side settlement procedure (e.g., a procedure for inputting and authenticating a PIN, etc.) for processing settlement of the transaction information through the registered payment means when confirming predetermined transaction information. The payment server 105 performs a server-side payment procedure associated with the terminal-side payment procedure (for example, a process of extracting a registered payment means to approve payment of transaction information or request payment approval to a financial company server) can do.

The payment application 420 may transmit the identification information including the UGID and the disposable code to the authentication server 100 associated with the payment application 420 within a specified validity time, Receives the recognition information including the UGID and the disposable code from the payment application 420, and can relay the received recognition information to the designated operation server 200. [

The operation server 200 receives the identification information including the UGID and the disposable code from the authentication server 100 associated with the payment application 420 of the user wireless terminal 400, It is possible to authenticate the merchant having the device 300 to authenticate that the transaction information recognized by the payment application 420 is the transaction information of the merchant having the specified sound wave device 300. [

The operation server 200 reads the UGID included in the 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 code of the unique code read out from the UGID, and confirms whether the unique code is a code that uniquely identifies a merchant having the specified sound device 300 .

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the sound wave device 300 through a unique code read from the UGID, Corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 300 by confirming that the unique code read out from the UGID is a unique code that uniquely identifies the affiliated store with the sound wave device 300, Can be identified and authenticated.

According to an embodiment of the present invention, the operation server 200 inquires of a storage medium for associating and storing merchant-related information with a unique code of a merchant having the sound wave device 300 through a unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any of the merchants having the sound wave device 300 corresponding to the unique code read out from the UGID.

Meanwhile, when the identification information includes the one-time code and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits information on the affiliate shop corresponding to the identified and authenticated affiliate shop (Or a unique code read from the UGID), and based on the seed information, identifies at least one fixed seed value and at least one dynamic seed value (e.g., a time value corresponding to the current time And / or a value exchanged with the server side for authenticating the disposable code) to a designated code generation algorithm to generate a verification code of the specified code system, and compare the one-time code included in the recognition information with the verification code, The validity of the one-off code can be verified. Here, the UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 ) Of the transaction information of the merchant, the transaction information being uniquely identified for a predetermined period of time through the UGID, and the like). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

An authentication procedure for uniquely identifying and authenticating a franchisee having the sound wave device 300 through the UGID included in the recognition information is performed and an authentication procedure for authenticating the one-time code included in the recognition information is performed according to the method The operation server 200 configures the authentication result information including the authentication result of the authentication procedure performed using the recognition information, and transmits the authentication result information to the authentication server 100.

Meanwhile, according to the extended method of the present invention, when the authentication procedure performed using the recognition information is authenticated, the operation server 200 determines the transaction amount corresponding to any transaction information identified through the authentication procedure, (For example, merchant information, etc.), and provide the transaction information to the authentication server 100. Accordingly, the present invention is not limited thereto. The transaction information provided from the operation server 200 is provided to the payment application 420 of the user wireless terminal 400 and displayed on the screen and / or relayed to the payment server 105 designated by the authentication server 100 Be processed for use in the payment procedure.

According to an embodiment of the present invention, the payment application 420 of the user wireless terminal 400 transmits the recognition information to the authentication server 100 to perform a specified authentication procedure through the designated operation server 200 (Or payment request information including the transaction information and the payment means information (or the payment means identifier for identifying the payment means information registered on the server side) to the authentication server 100, The authentication server 100 may process the settlement procedure for the transaction information to the designated settlement server 105 based on the authentication result information received from the operation server 200. [ For example, when the transaction information is displayed through the designated payment interface, the payment application 420 may generate the recognition information and the transaction information (or generated through the terminal-side payment procedure) in cooperation with the designated terminal- The authentication server 100 may transmit the identification information to the operation server 200. When the authentication server 100 receives the authentication result information corresponding to the authentication success, The server 100 relays the transaction information (or the settlement request information) to the designated settlement server 105 based on the authentication result information received from the operation server 200, Side settlement procedure associated with the settlement procedure.

Meanwhile, when the payment application 420 provides identification information and transaction information together with the authentication server 100, the authentication server 100 can provide the transaction information together with the identification information to the operation server 200. In this case, The operation server 200 may compare the transaction information identified through the identification information with the transaction information provided from the authentication server 100 and perform a process of authenticating whether the transaction information matches the transaction information. Certification results may also be included.

The payment server 105 receives the transaction information (or payment request information) from the authentication server 100 (or the payment application 420) and transmits the transaction information (or the payment request information) to the payment server 420 (For example, a process of extracting a registered payment means to approve payment to transaction information, or a process of requesting payment approval to a financial company server, etc.).

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error), and transmits the confirmed settlement result information to the authentication server (Or payment application 420), and the authentication server 100 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200, The operation server 200 may provide the payment result information to the designated merchant terminal 110. Meanwhile, the payment server 105 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200 according to the embodiment, and thus the present invention is not limited thereto.

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

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

The operation server 200 according to the embodiment of the present invention can operate in cooperation with the authentication server 100 connected to the payment application 420 installed in the user wireless terminal 400, Side terminal 110 of the mobile communication terminal. Meanwhile, the operation server 200 can be linked with the payment server 105 on the designated payment system according to the embodiment, and thus the present invention is not limited thereto.

Referring to FIG. 2, the operation server 200 includes an affiliate store registration information for an affiliated store having a sound wave device 300, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among the merchant information, or registering a unique code for separately identifying the merchant having the sound wave device 300 and storing the unique code in association with the merchant- do.

The franchise shop terminal 110 having the sound wave device 300 (or a separate operating terminal, etc.) stores merchant registration information on the merchant, merchant information on the merchant shop for payment, The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 110 when the merchant information is input / And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant store having the sound wave device 300. [

When the merchant terminal 110 (or a separate operating terminal, etc.) having the sound wave device 300 requests registration of a unique code that uniquely identifies the merchant, the information storage unit 205 stores It is possible to identify a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code identifying embodiments, May be processed in association with the merchant-related information and stored in a designated storage medium.

On the other hand, when the one-time use code is generated and authenticated during the reverse payment of the merchant with the sound wave device 300, the merchant terminal 110 transmits seed information related to the seed value for generating / authenticating the one- The information storage unit 205 exchanges seed information for confirming / determining the seed value necessary for generating / authenticating the disposable code with the merchant-side sound wave device 300 via the merchant point-side terminal 110 , And stores the exchanged / shared seed information in a designated storage medium. Preferably, the seed information may be stored in association with the unique code, and / or stored in association with the merchant-related information.

Referring to FIG. 2, the operation server 200 reads out the inputted sound wave signal by the payment application 420 of the user wireless terminal 400 that has received the sound wave signal transmitted from the sound wave device 300 of the merchant And transmits the UGID, the disposable code, and transaction information to the payment application 420, and transmits the UGID and the disposable code, A recognition information receiving unit 235 for receiving the identification information including the UGID and the disposable code from the authentication server 100, and a reader for reading the received UGID, An identification / authentication processor 240 for performing an authentication procedure for identifying and authenticating the disposable code when the disposable code is included in the identification information, and an authentication / And an authentication result providing unit 250 configured to provide authentication result information including the authentication result information to the authentication server 100. The authentication result providing unit 250 checks the payment result information of the payment procedure performed based on the authentication result information, And a payment result processing unit 255 for processing the information as a payment result of the information. According to another embodiment of the present invention, the recognition information receiving unit 235, the identification / authentication processing unit 240, and the authentication result providing unit 250 are implemented through the authentication server 100 associated with the payment application 420 The present invention clearly shows that the embodiment in which the recognition information receiving unit 235, the identification / authentication processing unit 240 and the authentication result providing unit 250 are implemented through the authentication server 100 is also included in the scope of right I will reveal.

Receives a predetermined transaction amount from the sound wave device 300 of the merchant point and recognizes / confirms the transaction information including the transaction amount in the designated payment application 420 of the user wireless terminal 400 that has received the sound wave signal, Recognizes / identifies the generated UGID to uniquely identify the merchant having the sound wave device 300 and uniquely identify the specific transaction corresponding to the transaction amount, and controls the sound wave device 300 The user wireless terminal 400 receives the sound wave signal transmitted from the sound wave device 300 of the merchant point when the sound wave signal including one or more specified various information for recognizing the one-time use code dynamically generated through the wireless communication is transmitted. The payment application 420 of the user wireless terminal 400 reads the input sound wave signal to uniquely identify the merchant having the sound wave device 300 and to uniquely identify the specific transaction corresponding to the transaction amount Recognizes / confirms the UGID to be identified, recognizes / verifies the transaction information including the transaction amount, and recognizes the one-time use code dynamically generated by the sound wave device 300 according to the method.

When the payment application 420 of the user wireless terminal 400 configures the identification information including the UGID and the disposable code and transmits the identification information to the designated authentication server 100, the authentication server 100 transmits the identification information including the UGID and the disposable code to the operation server 200 The recognition information receiver 235 receives recognition information including the UGID and the disposable code from the authentication server 100. [ Meanwhile, the recognition information may further include the recognized / confirmed transaction information according to the embodiment, and thus the present invention is not limited thereto.

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 the code system of the unique code read from the UGID and separately codes the affiliate shop having the sound wave device 300 having the unique code specified therein .

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, The inherent code of the storage medium is inquired through the inherent code read from the UGID to confirm whether the inherent code read from the UGID is a unique code that uniquely identifies a franchisee having the sonic device 300, 300) and identifies the franchisee corresponding to the unique code read from the UGID, and authenticates that the sound wave device (300) is provided at the identified franchisee.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, and stores the unique code registered through the information storage unit 205 in association with merchant-related information (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the UGID, and confirms the merchant-related information corresponding to the unique code read from the UGID , It is possible to identify any one of the affiliated stores corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 300 and to certify that the identified acoustic shop 300 is equipped with the affiliated store.

Meanwhile, when the identification information received through the recognition information receiving unit 235 includes the disposable code and seed information for authenticating the disposable code is provided to the operation server 200, the identification / authentication processing unit 240 (Or a unique code read out from the UGID) corresponding to the affiliated merchant that is identified and authenticated, identifies seed information associated with the merchant-related information (or the unique code read out from the UGID) corresponding to the identified and authenticated merchant, and identifies one or more fixed seed values and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 ), Which is uniquely identified during a certain period of time through the UGID, among the transaction information of the merchant having the transaction information of the merchant. Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

An authentication procedure for authenticating a franchisee having the sound wave device 300 through the UGID, and a step of identifying and identifying a transaction information uniquely identified for a predetermined period of time through the UGID among the registered transaction information of the identified and authenticated merchant The authentication result providing unit 250 may receive the one or more authentication procedures performed using the information included in the recognition information, And provides the authentication result information to the authentication server 100 that has transmitted the recognition information.

Meanwhile, according to the extended method of the present invention, the authentication result providing unit 250 may provide the authentication information to the authentication server 100 together with the authentication result information when the authentication of the authentication procedure is successful, The present invention is not limited thereto.

The authentication server 100 receives the authentication result information from the operation server 200 and processes the settlement procedure of the present invention using the authentication result information.

According to an embodiment of the present invention, the authentication server 100 can receive a transaction for payment processing from the payment application 420 in cooperation with a terminal-side payment process performed through the payment application 420 of the user wireless terminal 400 (Or payment request information), and when the authentication result information is received from the operation server 200, the authentication result information is read and the transaction information (or payment The payment server 105 may perform a payment process for the transaction information by performing a server-side payment procedure based on the transaction information (or payment request information).

The settlement server 105 receives the transaction information (or settlement request information) according to the settlement procedure of the present invention, performs a specified server-side settlement procedure, and then transmits the settlement result (e.g., Payment error, etc.), and provide the confirmed payment result information to the authentication server 100 (or the payment application 420). The authentication server 100 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200. [

The settlement result processing unit 255 receives the settlement result information from the authentication server 100 (or the settlement server 105 or the like) and transmits the settlement result information to the affiliate shop terminal 110 corresponding to the settlement result information Can be provided. Meanwhile, the payment result processing unit 255 can receive the payment result information from the payment application 420 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

FIG. 3 is a diagram showing a functional configuration of a sound wave device 300 of an affiliated member according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a sound wave device 300 provided at an affiliated point and transmits a designated sound wave signal. Referring to FIG. 3, if the person skilled in the art is familiar with the present invention, (For example, a part of components may be omitted, or a subdivided, or an aggregate implementation method) may be inferred from the functional configuration of the franchise point side acoustic wave device 300, And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

3, the affiliate shop side sound wave device 300 includes a control unit 302, a memory unit 310, an output unit 304, an input unit 306, and an acoustic signal unit 308 And a power supply unit (not shown) for power supply. The sound wave device 300 may be manufactured in various forms such as a card type, a portable type, a stamp type, and a stationary type. In addition to the external shape of the sound wave device 300, It is to be understood that the invention is not limited by the added functions and the like.

The control unit 302 is a general term for controlling the operation of the sound wave device 300 and includes at least one processor and an execution memory. The sound wave device 300 includes components and a bus (not shown) BUS). According to the present invention, the control unit 302 loads at least one program code included in the sound wave device 300 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 300. Hereinafter, a function configuration implemented in the form of program code will be described in the control unit 302 for convenience.

The memory unit 310 is a general term of the nonvolatile memory included in the sound wave device 300 and includes at least one program code executed through the control unit 302 and at least one data set used by the program code And stores it. The memory unit 310 basically comprises a system program code and a system data set corresponding to the operating system of the sound wave device 300, a communication program code and a communication data set for processing a wireless communication connection of the sound wave device 300, One application program code and application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 310. [

The output unit 304 includes a screen output unit (e.g., a liquid crystal display (LCD) or the like) and a drive module for driving the output unit 304. The output unit 304 is interlocked with the control unit 302, Through the screen output device.

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

According to the embodiment of the present invention, the input unit 306 includes a numeric key button for inputting at least numerals such as a money amount, and a function key button for processing functions such as completion / cancellation / correction / (Not shown) in which an interface for inputting a transaction amount is displayed through the output unit 304, and the transaction amount inputted through the input unit 306 is input to the control unit 302).

The sound wave signal unit 308 is a collective term of a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and capable of digitizing and transmitting a sound wave signal of a specified frequency band. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 308 modulates the information set generated through the control unit 302 into a sound wave signal of a designated frequency band and outputs the signal intensity (for example, signal intensity that can be received through the wireless terminal 400 within a specified distance Etc.). Alternatively, the sound wave signal unit 308 may receive the sound wave signal of the designated frequency band and transmit the acquired data to the control unit 302. The control unit 302 performs an information processing procedure corresponding to the data can do.

According to the method of the present invention, the sound wave signal unit 308 is configured to convert an analogized sound wave signal of a designated frequency range (for example, an audible frequency range or an audible frequency range, etc.) through a specified sound wave output unit And the sound wave signal may include a sound wave pattern in which designated digital information such as UGID is encoded or matched with UGID. Preferably, the sound wave signal unit 308 can transmit a sound wave signal corresponding to the sound wave signal transmission embodiment of the present invention.

Referring to FIG. 3, the sound wave device 300 includes a money amount input unit 315 for inputting a transaction amount through the input unit 306, and the transaction information including transaction information including the input transaction amount (320).

The amount input unit 315 displays an interface for receiving a transaction amount through the output unit 304 and receives a transaction amount including a combination of numbers through the input unit 306. [ In addition, the sound wave device 300 may include a sound unit (not shown) for receiving sound (or sound) in addition to the input unit 306. In this case, the sound input unit 315 may receive sound And the transaction amount including a combination of numbers can be inputted.

According to the embodiment of the present invention, the memory unit 310 stores at least one payment related information (for example, merchant information, etc.) for payment processing of an affiliated store that receives (or purchases) the sound wave device 300 The transaction information configuring unit 320 may store the transaction amount input through the amount input unit 315 and the payment related information stored in the memory unit 418 (for example, merchant information) and / Related information (for example, transaction date, etc.) obtained through the timer of the device 300. [

Referring to FIG. 3, the sound wave device 300 separately identifies a merchant having the sound wave device 300, and generates a UGID for uniquely identifying a specific transaction corresponding to the transaction information (= Merchant having the sound wave device 300) identified by the UGID and a code of a designated code system for authenticating the validity of the transaction information identified for a predetermined time through the UGID And a code generating unit 330 for generating a one-time code including the value of the one-time code.

The UGID generating unit 325 may uniquely identify a merchant having the sound wave device 300 according to at least one embodiment of the UGID generating embodiment of the present invention, And generates a UGID that identifies the UGID.

According to the embodiment of the present invention, the memory unit 310 may include a unique code determined not to be duplicated, a sound code of the sound wave device 300 to identify the franchisee to which the sound wave device 300 is supplied In this case, the UGID generator 325 may store the unique code according to at least one embodiment of the UGID generation embodiment of the present invention. It is possible to generate a UGID having a different code value for each transaction in each transaction amount inputted through the amount input unit 315 while hiding it so that it can be read only through a predetermined device / server.

According to the embodiment of the present invention, the UGID generator 325 identifies a unique code that uniquely identifies a franchisee having the sound wave device 300, and reads the unique code only through a specified specific device / server It is possible to generate the UGID of the designated code system generated so as to have a different code value for each transaction corresponding to each transaction amount. Preferably, the UGID generator 325 may generate a UGID concealed with 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 325 determines a temporary unique code that is not duplicated for a predetermined time without using the unique code, and transmits the temporary unique code to the sound wave device 300 ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction amount can be generated, and thus the present invention is not limited thereto.

The code generation unit 330 generates a code value of a code system designated to authenticate the validity of the transaction information including the transaction amount and the merchant's point (the merchant having the specified sound wave device 300) uniquely identified through the UGID And the like.

According to an embodiment of the present invention, the memory unit 310 may store seed information for determining the seed value or the seed value required to generate the disposable code. In this case, the code generation unit 330 One or more fixed seed values identified through the seed information and at least one dynamic seed value (e.g., a time value, etc.) may be substituted into a designated code generation algorithm to generate a disposable code containing a code value of the specified code scheme .

Referring to FIG. 3, the sound wave device 300 includes information for recognizing / confirming transaction information including the inputted transaction amount in the payment application 420 of the user wireless terminal 400 that has received the sound wave signal And information for identifying / confirming the UGID in the payment application 420 and information for recognizing the disposable code in the payment application 420 according to the method of operation, And a signal transmission unit 340 for transmitting the sound wave signal (or the sound wave signal including the sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 308 do

According to the first transaction amount transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including the transaction amount input through the amount input unit 315. In this case, The payment application 420 of the user wireless terminal 400 recognizes the transaction amount and constructs the transaction information including the transaction amount.

According to the second transaction amount transmission embodiment of the present invention, the transmission information configuring unit 335 transmits the transaction information configured through the transaction information configuring unit 320 using the transaction amount inputted through the amount input unit 315, In this case, the payment application 420 of the user wireless terminal 400 recognizing the sound wave signal can recognize the transaction information configured through the sound wave device 300.

According to the first UGID transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including a UGID generated through the UGID generation unit 325. In this case, The UGID generated through the sound wave device 300 can be recognized in the payment application 420 of the recognized user wireless terminal 400. [ On the other hand, when the sound wave device 300 is associated with the specified merchant terminal 110 through local communication, the transmission information configuring unit 335 transmits transmission information including the UGID provided from the merchant terminal 110 Can be configured.

According to the second UGID transmission embodiment of the present invention, the transmission information configuration unit 335 may configure transmission information including a unique code to be hidden in the UGID. In this case, The payment app 420 of the mobile terminal 400 recognizes the unique code and generates the UGID concealed by the unique code through at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, when a disposable code is generated through the code generation unit 330, the transmission information configuration unit 335 may configure transmission information including the disposable code. In this case, The payment application 420 of the terminal 400 can recognize the disposable code generated through the sound wave device 300. [

According to the embodiment of the present invention, the transmission information configuring unit 335 includes transaction amount (or transaction information) according to the first or second transaction amount transmission embodiment, and transmits the first or second UGID transmission According to the embodiment, transmission information including UGID (or unique code) is configured and transmission information including the disposable code generated through the code generation unit 330 is configured according to the method. Hereinafter, characteristics of the present invention will be described for the sake of convenience, but the present invention will not be limited to the embodiments in which the transmission information constructing unit 335 constructs transmission information including UGID, disposable code and transaction information. I will reveal.

When the transmission information of the designated structure to be transmitted from the sound wave signal is configured through the transmission information configuration unit 335, the signal transmission unit 340 encodes the transmission information through the sound wave signal unit 308 The sound wave signal of the designated frequency band (or the sound wave signal including the sound wave pattern matched with the transmission information) is transmitted in accordance with the designated signal strength (for example, the signal strength that can be received through the wireless terminal 400 within a specified distance) And the sound wave signal unit 308 transmits a sound wave signal of a designated frequency band including transmission information provided by the signal transmission unit 340 through a predetermined sound wave output unit.

According to an embodiment of the present invention, the payment application 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 308 may transmit the request signal The control unit 302 controls the receiving unit 302 to receive the transaction amount based on the request signal and / or controls the generation and / or generation of the UGID based on the request signal, and / And controlling to generate and / or transmit the outgoing information, and / or to send out a sound wave signal including the transmission information via the signal transmission section 340, by controlling to generate the one-time code, The sound signal corresponding to the request signal may be transmitted, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

The sound wave output unit 408 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 408. The sound wave output unit 408 decodes data corresponding to a sound wave output among various calculation results of the control unit 402, Analog output is output through the output device.

The sound wave input unit 410 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 410. The sound wave input unit 410 digitizes and / or encodes the analog sound wave input through the sound wave input unit, . Preferably, the sound wave signal transmitted through the sound wave device 300 according to the present invention is also input through the sound wave input unit 410, digitized and transmitted to the control unit 402, do.

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

The wireless network communication unit 414 is a general term of communication resources for connecting the wireless terminal 400 to a wireless communication network via a base station and includes an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, Processing module, and is connected to the controller 402 to transmit the operation result corresponding to the wireless communication among the various operation results of the controller 402 through the wireless communication network or receive data through the wireless communication network To the control unit 402, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 414 can connect the wireless terminal 400 to a communication network including a communication channel and a data channel via an exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 414 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of the person skilled in the art, the wireless network communication unit 414 may further comprise a portable internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 414. [ That is, the wireless network communication unit 414 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 412 collectively refers to a communication resource that connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connects the wireless terminal 400 to the communication network based on the communication session. , The wireless terminal 400 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the embodiment of the present invention, the short-range network communication unit 412 may be integrated with or separated from the wireless network communication unit 414. According to the present invention, the short-range network communication unit 412 connects the wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the mobile station 400 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 416, a program code for at least one IC chip (Or processing) the program code for the IC chip or extracts (or processes) the data set in accordance with at least one command transmitted from the wireless terminal 400 in connection with the input / output interface To the input / output interface.

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

4, the payment application 420 of the wireless terminal 400 includes a signal check unit 425 for confirming a sound wave signal input from the sound wave device 300 through the sound wave input unit 410, , Reads the sound wave signal input from the sound wave device 300 of the merchant point and recognizes / confirms transaction information including a predetermined transaction amount, identifies the merchant having the sound wave device 300 separately, Recognizes / confirms a UGID that uniquely identifies a specific transaction corresponding to the transaction information including the transaction amount entered through the transaction unit 306, and generates a signal for recognizing the disposable code generated by the sound wave device 300 An identification information transmitting unit 435 for transmitting identification information including a UGID and a disposable code recognized / verified through the signal recognizing unit 430 to a designated path, / RTI > < RTI ID = 0.0 > A settlement processing unit 445 for confirming whether or not to execute the settlement processing of the transaction information and performing the settlement procedure of the transaction information upon confirmation of the settlement processing execution, Respectively.

The signal confirmation unit 425 receives at least one of the first to fourth app operation embodiments of the present invention and receives the sound wave signal transmitted from the sound wave device 300 through the sound wave input unit 410 .

If the sound wave signal transmitted from the franchise point side sound wave device 300 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, The transaction information including the predetermined transaction amount inputted through the input unit 300, identifies the merchant having the sound wave device 300 separately and identifies the transaction amount inputted through the input unit 306, And identifies the UGID that uniquely identifies the specific transaction corresponding to the transaction information including the transaction information, and recognizes the disposable code generated by the sound wave device 300 according to the method. Hereinafter, the signal recognition unit 430 recognizes and confirms the UGID, the disposable code, and the transaction information included in the sound wave signal, for the sake of convenience.

When the UGID, the disposable code, and the transaction information are recognized / confirmed through the signal recognition unit 430, the recognition information transmission unit 435 transmits UGID and disposable code recognized / confirmed through the signal recognition unit 430 And transmits the recognition information to the designated authentication server 100. The authentication server 100 relays the recognition information to the specified operation server 200 and transmits the recognition information to the operation server 200. [ From the authentication server 100, identification information including the UGID and the disposable code. Meanwhile, when the authentication server 100 has a function of performing the authentication procedure for the UGID and the disposable code of the recognition information, the authentication server 100 may not provide the recognition information to the operation server 200 .

Meanwhile, the transaction information transmission unit 440 may transmit the recognized / confirmed transaction information to the authentication server 100. The authentication server 100 may receive the transaction information from the payment application 420 have.

Meanwhile, the authentication server 100 may provide the transaction information to the operation server 200 according to an embodiment of the present invention. If the transaction information includes information such as merchant information, the operation server 200 receives the transaction information from the authentication server 100, and transmits the information included in the received transaction information to the operation server 200) to compare the registered information with the merchant information corresponding to the transaction information to determine whether the merchant is equipped with the sound wave device (300).

On the other hand, the operation server 200 receiving the recognition information from the authentication server 100 has the sound wave device 300 for reading the UGID of the recognition information and sending out the sound wave signal designated by the merchant corresponding to the transaction information It is possible to identify and authenticate the merchant. For example, the operation server 200 reads the unique code included in the UGID, and compares / inquires the information registered in the operation server 200 to register the transaction information, (300).

Meanwhile, when the disposable code is included in the identification information, the operation server 200 transmits predetermined seed information (for example, seed information mapped to the unique code hidden in the UGID, or UID) Authenticating the validity of the disposable code through a verification code generated using the seed information (or by requesting authentication through a separate code server) And authenticate the validity of transaction information uniquely identified for a certain period of time through the identified merchant and / or the UGID.

And a sound wave device (300) for sending out a sound wave signal designated by the merchant corresponding to the transaction information, and the validity of the identified merchant point and / or transaction information is authenticated through the one- The operation server 200 uniquely identifies and authenticates the merchant having the sound wave device 300 through the UGID and transmits the transaction information through the payment application 420 to the merchant having the specified sound wave device 300 And authentication result information including the authentication result obtained by verifying the validity of the merchant information and / or the transaction information through the one-time code according to the method of operation, and transmits the authentication result information to the authentication server 100 And the authentication server 100 receives the authentication result information from the operation server 200.

According to the embodiment of the present invention, the authentication server 100 receives the transaction information (or the payment request information) from the payment procedure processing unit 445 of the payment application 420, And receives the authentication result information from the operation server 200. If the authentication result information is successfully read, the transaction information (or the payment request information) received from the payment transaction processing unit 445 is transmitted to the designated payment server 105 The settlement server 105 can process the settlement of the transaction information (or the settlement request information).

The payment server 105 may receive the transaction information (or payment request information), and may perform a server-side payment procedure associated with the terminal-side payment procedure performed through the payment application 420.

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure (for example, payment approval or payment error) and transmits the confirmed payment result information to the authentication server 100 The payment server 420 may provide the settlement result information to the payment server 420 and / or provide the settlement result information to the operation server 200, May receive the payment result information from the authentication server 100 and output the payment result information.

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

More specifically, FIG. 5 illustrates an example of an information registration process for reverse payment using a sound wave device 300 provided at an affiliate shop. As a person skilled in the art, It is possible to refer to and / or modify FIG. 5 to derive various implementations of the information registration process (e.g., omitting some steps or changing the order), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

5, a merchant terminal 110 (or a separate operating terminal) operated by an affiliated store having a sound wave device 300 that transmits a specified sound wave signal transmits a designated operation server 200 to a merchant store (500), the operation server (200) requests registration of at least one merchant related information among registration information, merchant information given to the merchant for settlement, and terminal information provided at the merchant terminal (110) Side terminal 110 (or a separate operating terminal) to register and store the information on the designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 110 (or the separate operating terminal) of the merchant having the sound wave device 300 transmits a unique code for uniquely identifying the merchant having the sound wave device 300 to the designated operating server 200 The operation server 200 requests registration of at least one of the first to fourth inherent code embodiments of the present invention according to at least one of the first to sixth inherent code checking embodiments of the present invention A unique code corresponding to one embodiment is identified (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

On the other hand, in the case where a merchant having the sound wave device 300 generates a disposable code during reverse payment using the sound wave device 300, the merchant terminal 110 (or another operating terminal) generates the disposable code (525), the operating server (200) transmits a seed value for confirming / determining a seed value necessary for authenticating a disposable code to be generated during the reverse payment based on the sound wave device (300) The information is confirmed (530). If the seed information is confirmed, the operation server 200 associates the unique code (or merchant-related information) with the seed information and stores it in a designated storage medium (535). Preferably, the merchant terminal 110 (or a separate operating terminal) may store the seed information registered in the operating server 200 in the merchant point-side sound wave device 300.

6 is a diagram illustrating a process of transmitting and receiving a sound signal for reverse payment according to an embodiment of the present invention.

In more detail, FIG. 6 shows transaction information including the transaction amount when the transaction amount is inputted in the sound wave device 300 provided at the merchant, generates the UGID and the disposable code, and then transmits the UGID, the disposable code, And a process of reading the sound wave signal from the payment application 420 of the user wireless terminal 400 and recognizing the UGID, the disposable code and the transaction information when the sound wave signal is transmitted, As a person skilled in the art will be able to refer to and / or modify the FIG. 6 to implement various methods of transmitting or recognizing the sound wave signal (for example, omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical characteristic It shall not be limited. For example, the transaction information and / or the UGID may be configured / generated based on the information recognized through the sound wave signal in the payment application 420 of the user wireless terminal 400, The UGID is included in the transaction information and / or the UGID.

Referring to FIG. 6, the merchant-side sound wave device 300 that transmits the specified sound wave signal receives a predetermined transaction amount for the reverse payment using the sound wave signal (600). If the transaction amount is input, the merchant-side sound wave device 300 may configure the transaction information including the inputted transaction amount (605).

Meanwhile, the sound wave device 300 confirms a unique code that uniquely identifies a merchant having the sound wave device 300 (610). If the unique code identifying the franchisee with the sound wave device 300 is identified, the sound wave device 300 hides the identified unique code so that it can be read only through the designated specific device / server, ) And simultaneously generates a UGID for uniquely identifying a specific transaction corresponding to the input transaction amount (615). Preferably, the sound wave device 300 uniquely identifies a merchant having the sound wave device 300 through at least one embodiment of the UGID generation embodiment of the present invention, and at the same time, A unique identifying UGID may be generated (615).

Meanwhile, the sound wave device 300 substitutes a seed value, which is determined / determined based on the seed information registered through the process shown in FIG. 5, into a designated code generation algorithm, (620) a one-off code of a designated code system for authenticating a merchant with a merchant (300) and / or a merchant with a sound wave device (300).

The sound wave device 300 includes transaction information including the generated UGID, the disposable code and the transaction amount in a specified structure (for example, a structure recognizable by the payment application 420 of the user wireless terminal 400) (630) the sound wave signal including the transmission information through the sound wave signal of the designated frequency band, and the sound wave signal transmitted from the sound wave device (300) And is received by the terminal 400.

(Or activated) to the payment application 420 designated by the user wireless terminal 400 through the sound wave input unit 410 of the user wireless terminal 400 And confirms whether a specified sound wave signal transmitted through the apparatus 300 is input (640). If it is confirmed in operation 630 that the designated sound wave signal transmitted through the merchant-side sound wave device 300 is input, the payment application 420 of the user wireless terminal 400 reads the input sound wave signal, Code and transaction information (645). Preferably, the payment application 420 of the user wireless terminal 400 receives the sound wave transmitted through the sound wave device 300 through the at least one embodiment of the first to fourth embodiments of the present invention The UGID and the disposable code and transaction information can be recognized (645), and the recognized / verified transaction information can be output (650).

7 is a diagram illustrating a process of performing an inverse payment procedure according to an embodiment of the present invention.

In more detail, FIG. 7 is a flowchart illustrating a process of reading a sound wave signal from the payment application 420 of the user wireless terminal 400, performing a predetermined terminal side payment process on the recognized / confirmed transaction information, (Or settlement request information) corresponding to the terminal side settlement procedure to the specified authentication server 100, the authentication server 100 transmits the identification information including the confirmed UGID and the disposable code and the transaction information 200, and then transmits the transaction information (or the payment request information) to the designated payment server 105 when the authentication is successful. Those skilled in the art will be able to refer and / or modify Figure 7 to illustrate various ways of performing the payment procedure, That would be able to infer the exemplary method), or, or a sequence that is changed is omitted, the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 7.

Referring to FIG. 7, the payment application 420 that reads and recognizes the sound wave signal input from the sound wave device 300 of the merchant through the process shown in FIG. 6 and recognizes / verifies the UGID, the disposable code and the transaction information, And displays the recognized / verified transaction information through the payment interface to perform a designated terminal-side payment procedure (700), constructs identification information including the recognized / verified UGID and the disposable code, (Or payment request information) corresponding to the identification information and the terminal-side payment procedure (705).

The authentication server 100 receives the recognition information and transaction information (or payment request information) from the payment application 420 of the user wireless terminal 400 in operation 710 and transmits the recognition information (715).

The operation server 200 receives (720) recognition information including the UGID and the disposable code from the authentication server 100 (720), reads the UGID of the recognition information (e.g., reads the UGID corresponding to the encoding rule And then reads the unique code hidden in the UGID (step 725). After reading the unique code stored in the UGID (step 725), the wireless terminal 400 The application 420 authenticates the franchisee visited by the user, that is, the franchisee having the sound wave device 300 (step 730).

Meanwhile, if the merchant having the sound wave device 300 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 735 and the authentication server 100 relays the authentication error to the payment application 420 of the user wireless terminal 400 in operation 740, (420) receives and outputs the authentication error (745).

Meanwhile, when a merchant having the sound wave device 300 is uniquely identified and authenticated through the UGID included in the recognition information, and the disposable code is included in the recognition information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code linked with the unique code read out from the UGID (or the merchant-related information of the identified and authenticated merchant) (750).

If the validity of the disposable code is not authenticated, the operation server 200 provides an authentication error for the disposable code included in the identification information to the authentication server 100 (735) The payment application 420 of the user wireless terminal 400 relays the authentication error to the payment application 420 of the user wireless terminal 400 in step 740. The payment application 420 of the user wireless terminal 400 receives and outputs the authentication error in step 745, .

Meanwhile, when the franchisee having the sound wave device 300 is authenticated by the UGID of the recognition information, and the validity of the one-time code of the identification information is authenticated according to the method, the operation server 200 transmits the UGID (755) a transaction information that is uniquely identified for at least a predetermined period of time. If the transaction information identified through the UGID is not confirmed, the operation server 200 can wait for the transaction information to be identified through the UGID to be identified at the merchant that is uniquely identified through the UGID (760 ).

The operation server 200 constructs authentication result information using the recognition information and transmits the authentication result information to the authentication server 100 that has transmitted the recognition information in operation 765, The authentication result information is received from the operation server 200 in step 770, and the authentication result information is read in step 775 to confirm whether the authentication process using the recognition information is successful. If authentication of the authentication procedure using the recognition information is successful, the authentication server 100 transmits the transaction information (or the payment request information) received from the payment application 420 of the user wireless terminal 400, based on the authentication result information, ) To the designated payment server 105 to request payment processing (780).

FIG. 8 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.

FIG. 8 is a flowchart illustrating a method of controlling the payment server 105 according to an exemplary embodiment of the present invention. Referring to FIG. 8, when transaction information (or payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIG. 7, (Or payment request information) to the authentication server 100 and provides the payment information to the authentication server 100, the payment server 420 and the operation server 200 And the payment result information is transmitted to the payment approval processing step. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 8, It is to be understood that the invention may be practiced with various other embodiments (for example, some steps omitted or alternate embodiments), but the present invention includes all of the above- Only the exemplary method is not limited that the technical features.

Referring to FIG. 8, when transaction information (or payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIG. 7, the payment server 105 transmits (Or payment request information) to be subjected to the settlement processing via the Internet (800). The payment server 105 performs a predetermined server-side payment procedure for the transaction information (or the payment request information) (805), and the settlement server 105 transmits a payment for the payment procedure performed for the transaction information The result information is confirmed (810).

If the settlement result information is confirmed, the settlement server 105 provides the settlement result information to the authentication server 100 in step 815. The settlement server 105 transmits the settlement result information to the settlement server 105, The result information is received (820), the payment result information is provided to the payment application 420 of the user wireless terminal 400 (825), and the payment application 420 receives and outputs the payment result information 830).

Meanwhile, the authentication server 100 provides the payment result information to the designated operation server 200 in operation 835. The operation server 200 receives the payment result information from the authentication server 100 in operation 840, The merchant terminal 110 provides the settlement result information to the designated merchant terminal 110, and the merchant terminal 110 receives and outputs the settlement result information in operation 850.

100: Authentication server 105: Payment server
110: Merchant point side terminal 200: Operation server
205: information storage unit 235: recognition information receiving unit
240: identification / authentication processing unit 245: transaction registration confirmation unit
250: authentication result providing unit 255: payment result processing unit
300: Affiliate shop sound wave device 310: Memory part
315: an amount input unit 320:
325: UGID generator 330:
335: transmission information configuration unit 340: signal transmission unit
400: user wireless terminal 410: sound wave input unit
420: Payment App 425: Signal Verification Unit
430: Signal recognition unit 435: Identification information transmission unit
440: Transaction information transmission unit 455: Payment procedure processing unit

Claims (11)

A method of executing via a payment application and an authentication server executed in a user wireless terminal which receives a designated sound wave signal transmitted from a separate sound wave device provided at an affiliate store,
The designated payment application of the user wireless terminal receiving the sound wave signal transmitted from the nearby sound wave device via the sound wave device reads the received sound wave signal and confirms the transaction information including the predetermined transaction amount based on the recognized information A first step of uniquely identifying a franchisee having the sound wave device and confirming a generated Unique Generated IDentification (UGID) to uniquely identify a specific transaction corresponding to the transaction information; And
A second step of the payment application transmitting identification information and transaction information including information corresponding to the UGID to a designated authentication server;
A third step of the authentication server receiving identification information and transaction information including information corresponding to the UGID via a designated path;
The authentication server transmits the recognition information to the operation server that manages the UGID and receives from the operation server the authentication result information obtained by the unique identification authentication of the merchant having the sound wave device through the UGID or reads the UGID of the recognition information A fourth step of confirming authentication result information obtained by inherently identifying and authenticating a merchant having a sound wave device;
And a fifth step of the authentication server relaying the transaction information to the designated payment server based on the authentication result information and processing the payment information so as to be settled.
2. The method of claim 1,
Generated through the sound wave device of the merchant, or
Generated through the payment application, or
Wherein the sound wave device is generated through a merchant terminal connected to the sound wave device when the sound wave device is associated with the merchant point side terminal.
2. The method of claim 1,
And a private code for separately identifying a franchisee having a sound wave device is read out and hidden.
2. The method of claim 1,
Wherein a unique code for separately identifying a franchisee having a sound wave device is hidden so as to be readable and is generated so as to have a different code value for each transaction information.
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a sound wave device and specific time information is encoded according to a specified encoding rule so that the unique code can be read out only through a predetermined device or server and a different code value The asynchronous reverse payment method using the sound wave device according to claim 1,
2. The method of claim 1,
A unique code for uniquely identifying a merchant having a sound wave device and random number information according to a specified encoding rule so that the unique code can be read out only through a predetermined device or a server, Wherein the first and second signals are generated to have the same value.
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a sound wave device, specific time information, and random number information are encoded according to a specified encoding rule so that the unique code can be read out only through a predetermined device or server, Wherein the code is generated to have a different code value.
8. The method according to any one of claims 3 to 7,
In order to uniquely identify the merchant having the sound wave device separately, a unique code,
And at least one inherent code among unique codes determined to be unidentifiable in order to uniquely identify a sound wave device provided at an affiliate store.
The method as claimed in any one of claims 3 to 7,
Reading out the UGID, reading out the unique code concealed in the UGID, and authenticating the franchisee with the sound wave device using the read unique code, characterized in that the asynchronous type reverse direction Payment Method.
The information processing apparatus according to claim 1,
Merchant information given to the merchant for payment,
And an inherent code for separately identifying a franchisee having a sound wave device. The asynchronous reverse payment method using the sound wave device according to claim 1,
The information processing apparatus according to claim 1,
And a disposable code that is dynamically generated through the sound wave device at the merchant point and is read and recognized by the payment application in response to the sound wave signal.

Images