KR20180077416A - Method for Providing Independent Payment in Reverse Direction - Google Patents

Abstract

The present invention relates to a method for providing independent payment in a reverse direction. The purpose of the present invention is to provide a method for providing independent payment in a reverse direction, which independently processes payment of an affiliated store by a wireless user terminal without involvement of an affiliated store device. According to the present invention, the method for providing independent payment in a reverse direction is executed by the application of a wireless user terminal including a camera unit and a sound wave output unit. Financial information of the affiliated store is checked based on recognition information recognized by photographing a code image displayed on one side of the affiliated store device installed in an offline affiliated store by the camera unit. Money information which is input by a user is checked by an interface through which the money information is input. The execution of a financial transaction is requested in accordance with a transaction procedure designated by transmitting transaction information including input money information and the financial information of the affiliated store to a designated financial server through a designated route. Result information including a transaction result of the financial transaction is received through the designated route. The result information is transmitted through the sound wave output unit by being encoded in a sound wave signal capable of being read by the affiliated store device. The result information is transmitted to the affiliated store device located in a short distance from the wireless user terminal by the sound wave signal. The transaction result is displayed on one or more display units installed in the affiliated store device.

Description

{Method for Providing Independent Payment in Reverse Direction}

In the present invention, a user wireless terminal captures a code image displayed on one side of a merchant point device provided at an offline merchant through a camera unit, recognizes financial information of a merchant, directly inputs desired amount information from the user, And transmits the transaction result of the financial transaction to the user wireless terminal via the reverse path, and then transmits the result of the financial transaction to the user wireless terminal through the reverse path, To the franchise point device, thereby displaying the independent payment of the franchise point through the user wireless terminal without involvement of the franchise point device.

Conventionally, a method of visiting an offline merchant through a payment method is a cash payment method in which a user stands in front of the cashier of a merchant and takes cash out of the wallet and delivers it to the merchant, or when the card is transferred from the purse to the merchant, And a card payment method in which a card is read and a payment amount is entered and paid. Such conventional cash settlement or card settlement is a forward direction in which a merchant receives cash or a card from a merchant when the user delivers cash or a card to the merchant. In order to settle the cash during the forward payment, the user holds a large amount of cash In particular, there is a problem that a card-based payment infrastructure must be established at a merchant's site in order to carry out a forward payment process as well as a problem of having various cards in the case of card payment.

Meanwhile, in order to overcome the problem of the conventional forward card settlement, if a telephone number of a mobile terminal is input instead of a card, a method of making a payment through a mobile terminal or a method of making a settlement through a card mapped to a telephone number of the mobile terminal has been proposed. This problem solves the inconvenience of having a card only and can not solve the problem of establishing a network-based payment infrastructure on the merchant's side.

In order to solve the above problems, an object of the present invention is to provide a mobile wireless terminal which recognizes financial information of a merchant by photographing a code image displayed on one side of a merchant point device provided in an offline merchant through a camera unit, The user terminal directly receives the money amount information, requests the financial transaction through the reverse path that does not go through the merchant point device, performs settlement processing, receives the transaction result of the financial transaction through the reverse path from the user wireless terminal, And outputting the converted signal to the merchant point device through a sound wave having a predetermined frequency band that is analog-outputted through the output unit, thereby processing the payment of the merchant point independently through the user wireless terminal without involvement of the merchant point device.

A method of executing a reverse independent payment method according to the present invention is a method executed through an application of a user wireless terminal having a camera unit and a sound wave output unit, the method comprising: displaying a code image displayed on one side of a merchant point device provided in an offline merchant through the camera unit A second step of confirming the financial information of the merchant based on the recognized recognition information, and a second step of confirming the amount information inputted from the user through an interface for inputting the amount information, a second step of checking financial information of the merchant, A third step of transmitting the transaction information including the amount information of the financial transaction to the designated financial server through a designated path and requesting the financial transaction to be performed according to the designated transaction procedure; A fourth step of receiving the sound wave and an interpretation And a fifth step of encoding and transmitting the result information to a possible sound wave signal, and the result information is transmitted to the merchant point device located near the user wireless terminal through the sound wave signal, And is displayed through one or more display units provided in the apparatus.

The method comprising the steps of: inputting financial information of a user to be used for a transaction from a user after installing the application in the user wireless terminal; and inputting financial information of the inputted user to a designated operating server And a registration step of performing registration processing on the designated storage medium.

The input step may further include the step of receiving user information identifying the user, and the registering step may include transmitting the input user information to the operation server, And registering the user's financial information with the user's financial information.

In the reverse independent payment method according to the present invention, the step of inputting further includes the step of receiving the wireless terminal information identifying the wireless terminal or extracting it from a designated medium, wherein the registering step comprises: And transmitting the terminal information to the operation server and mapping the terminal information to the financial information of the user.

In the reverse independent payment method according to the present invention, the registering step may further include transmitting a unique identifier that uniquely identifies an app of the user wireless terminal to the operation server, and processing the registration to be mapped and registered with the user's financial information .

In the reverse independent payment method according to the present invention, in the registering step, the unique identifier, which is separately allocated after the application is installed in the user wireless terminal, is transmitted to the operation server and is mapped to the user's financial information The method comprising the steps of:

The financial information of the franchisee may include financial account information for the franchisee financial account established in the name of the franchisee, virtual account information for the virtual account associated with the franchisee financial account, The financial account information for the merchant main financial account opened in the merchant store name of the merchant, the virtual account information for the virtual account associated with the merchant main financial account, And identification code information allocated to identify the merchant main financial account through the designated financial system.

The first step of the reverse independent payment method according to the present invention is characterized in that in the first step, the image of the code displayed on one side of the merchant point device is photographed through the camera unit, and the obtained image area is read to obtain the encoded information encoded in the code image Identifying the identification information including the financial information of the franchisee by reading the encoding information according to a predetermined encoding rule and checking financial information of the franchisee included in the identification information .

The first step of the reverse independent payment method according to the present invention is characterized in that in the first step, the image of the code displayed on one side of the merchant point device is photographed through the camera unit, and the obtained image area is read to obtain the encoded information encoded in the code image Recognizing identification information including unique code information of a designated code system by reading the encoding information according to a designated encoding rule, transmitting the code information to a designated operating server, And receiving financial information of the franchisee.

The first step of the backward stand-alone payment method according to the present invention is characterized in that the first step includes reading the image area obtained by photographing the code image displayed on one side of the merchant point device through the camera section and reading the encoded image information encoded in the code image Identifying the identification information including the address information of the designated address system by reading the encoding information according to the designated encoding rule, receiving the financial information of the merchant by accessing the server corresponding to the address information, And a control unit.

In the backward independent payment method according to the present invention, the second step may further include receiving financial information of a user to be used for a transaction, and the transaction information may further include financial information of the user .

In the backward-direction independent payment method according to the present invention, the second step may further include checking and outputting financial information of a previously registered user, and the transaction information may further include financial information of the user .

The second step may further include checking an identifier mapped to financial information of a user registered in a designated storage medium, wherein the transaction information further includes the identifier .

In the backward-direction stand-alone settlement method according to the present invention, the financial transaction may include a transaction for processing such that an amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.

In the backward stand-alone settlement method according to the present invention, the result information may include a code image taken at a specific time in the user's wireless terminal through a camera unit, inputting amount information, and uniquely assigned And a transaction identification code.

In the reverse independent payment method according to the present invention, the transaction identification code is used for post-inquiry or verification of the transaction result of the financial transaction at the merchant point device.

The resultant information may further include authentication information for authenticating the validity of a transaction result of the financial transaction through the merchant device, and the authentication information may be transmitted to the merchant point device And authenticated.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the financial server so as to be authentic through the merchant point device.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the operation server on the designated route so as to be authentic through the merchant point device.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the user wireless terminal to be authentic through the merchant point device.

In the backward independent payment method according to the present invention, the authentication information includes a hash authentication code generated by hashing one or more specified information included in the result information in the financial server.

In the backward independent payment method according to the present invention, the authentication information includes a hash authentication code generated by hashing one or more specified information included in the result information in the operation server on the specified route.

In the reverse independent payment method according to the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the user wireless terminal.

According to the present invention, the user wireless terminal captures the code image displayed on one side of the merchant point device provided at the offline merchant through the camera unit, recognizes the financial information of the merchant, directly inputs the amount information desired by the user from the user, And transmits the transaction result of the financial transaction to the user wireless terminal via the reverse path and then transmits the transaction result of the financial transaction through the reverse path to the designated frequency band that is analog output through the sound wave output unit of the user wireless terminal. To the merchant device through the sound waves of the merchant point device, thereby not performing a real-time interaction with the merchant point device through the network and independently performing the reverse path through the user wireless terminal without involving the merchant point device in the reverse payment process It has the advantage of a safe and convenient payment processing merchant transactions through fusion.

1 is a diagram illustrating a configuration of a system for providing reverse independent payment according to an embodiment of the present invention.
2 is a functional block diagram of a user wireless terminal 200 according to an embodiment of the present invention.
3 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of recognizing the merchant's financial information and requesting the reverse transaction according to the first embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of recognizing a franchise's financial information and requesting a reverse transaction according to a second embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of recognizing the merchant's financial information and requesting the reverse transaction according to the third embodiment of the present invention.
7 is a flowchart illustrating a process of processing a financial transaction for reverse independent settlement according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of transmitting result information of a reverse independent settlement 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. 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 illustrating a configuration of a system for providing reverse independent payment according to an embodiment of the present invention.

1, the user wireless terminal 200 photographs a code image displayed on one side of a merchant point device 150 provided at an offline merchant through the camera unit 230, recognizes the financial information of the merchant, The user directly inputs desired amount information, requests a financial transaction through a reverse path not passing through the merchant point device 150, performs settlement processing, and then performs a reverse path even in the transaction result of the financial transaction at the user wireless terminal 200 And transmits the signal to the merchant point device 150 through the sound wave of the designated frequency band analog-outputted through the sound wave output unit 220 of the user wireless terminal 200 to display it, A system for processing settlement of merchants independently through the terminal 200 is shown, and in the technical field of the present invention Those skilled in the art will appreciate that various implementations of the system configuration (e.g., some configuration portions may be omitted, or fragmented, or combined) with reference to and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

The system of the present invention comprises a merchant point device 150 provided at an offline merchant point, a user wireless terminal 200 having a user visiting / visiting the offline merchant point, The system includes a financial server 170 that includes an operational server 100 that performs a series of procedures to process a reverse standalone settlement of the invention and processes the financial transactions requested from the user wireless terminal 200 via a reverse path .

The merchant point device 150 is a collective term for devices provided to an offline merchant for realizing a reverse independent payment according to the present invention and preferably includes a separate merchant payment device manufactured for reverse independent payment according to the present invention Or may be a POS terminal provided at an offline merchant, a merchant terminal such as a CAT, a tablet PC provided at an affiliate store, or a mobile terminal for an affiliate shop, such as a cell phone or a smartphone, , Or a combination of the merchant terminal and the merchant's wireless terminal or a combination of the merchant terminal and the merchant's main wireless terminal. Hereinafter, the franchise point device 150 will be described as an example of a payment device for an affiliate shop, but it should be apparent that the present invention is not limited thereto.

According to the embodiment of the present invention, a code image (for example, a two-dimensional barcode or the like) obtained by coding the designated encoding information according to the specified encoding rule is attached or displayed on one side of the merchant point device 150. For example, the code image may be attached to one side of the merchant device 150 in the form of a sticker. Alternatively, the code image may be electronically displayed through the user-side display unit 165 provided in the merchant point device 150. [ Meanwhile, when the code image is displayed electronically, the encoding information encoded in the code image may include disposable information, and in order to secure the reverse independent payment, a specified authentication procedure for disposable information included in the encoding information Lt; / RTI > can be performed.

According to the embodiment of the present invention, the user-side display unit 165 of the merchant point device 150 can display the user's direction toward the user so that the user can visually see the display unit 165 provided in the merchant point device 150 And a display unit 165 capable of being directed toward the user. For example, when the merchant device 150 is manufactured in the form of a payment device for an affiliate shop, the payment device for the affiliate shop may include a merchant store side display 165 facing the merchant store (or employee) And a user-side display unit 165 facing the display unit. Or when the merchant's device 150 is a merchant's primary wireless terminal or an affiliated merchant's primary wireless terminal, when the merchant's mainstay (or employee) turns the wireless terminal in a direction that the user can visually recognize in the direction of the touch screen, The touch screen of the terminal can perform the function of the user-side display unit 165. Or the merchant terminal 150 is a combination of the merchant terminal and the merchant's wireless terminal (or the merchant's main wireless terminal), the display 165 of the merchant terminal performs the function of the merchant-side display 165 , The touch screen of the wireless terminal in cooperation with the merchant terminal can perform the function of the user side display unit 165. [ That is, in the present invention, the user-side display unit 165 refers to a display unit 165 that a user can visually recognize from the display unit 165 of the merchant point device 150, Devices.

According to the embodiment of the present invention, the merchant point device 150 includes a sound module 160 for inputting and outputting sound wave signals in a designated frequency band and reading the sound wave signals in a designated frequency band when the sound wave signals are inputted thereto . Preferably, the sound wave module 160 of the merchant point device 150 receives a sound wave signal outputted from the user wireless terminal 200 (for example, analog output), reads the sound wave signal, and recognizes the designated information encoded in the sound wave signal And a function of electronically displaying the recognized information through at least one designated display unit 165 provided in the merchant point device 150. [ On the other hand, the sound wave module 160 of the merchant point device 150 preferably has a function of selectively receiving and reading sound wave signals having a specified signal intensity or more.

The sound wave module 160 of the merchant point device 150 receives and outputs a sound wave signal output from the user wireless terminal 200 (for example, analog output) And electronically display the transaction result of the designated financial transaction included in the recognized result information through one or more designated display units 165 provided in the merchant point device 150. [

The user wireless terminal 200 is a collective term for a wireless communication device that a user carries / carries for a stand-alone independent payment in accordance with the present invention. The user wireless terminal 200 preferably includes a wireless terminal such as a cell phone, smart phone, And an application 255 corresponding to the application for reverse independent settlement according to the present invention is installed and executed.

According to an embodiment of the present invention, the user wireless terminal 200 includes a camera unit 230 that photographs or optically recognizes a code image, receives the input through a sound module 160 of the merchant point device 150 And a sound wave output unit 220 capable of outputting (for example, analog output) a sound wave signal of an interpretable and specified frequency band.

According to the embodiment of the present invention, the application 255 installed in the user wireless terminal 200 captures a code image displayed on one side of the merchant point device 150 through the camera unit 230 of the wireless terminal And receives transaction information including the financial information of the merchant through the designated reverse path and the input money information through the designated financial server 170 ) To process a financial transaction to be performed. Meanwhile, the application 255 of the user wireless terminal 200 processes the designated reverse path to perform the financial transaction, receives result information including the transaction result of the financial transaction on the reverse path, (For example, analog output) of the sound wave signal including the result information through the sound wave output unit 220 of the merchant point device 150 at a designated signal intensity, so that the sound wave module 160 of the merchant point device 150 After receiving the sound wave signal, the result information may be recognized and displayed through the display unit 165 of the merchant point device 150.

According to the method of the present invention, the financial information of the franchisee stores financial account information for the franchisee financial account established in the name of the franchisee, virtual account information for the virtual account linked to the franchisee financial account, (For example, a PIN tech number provided by a bank cooperative open platform, etc.) assigned to identify a financial account, financial account information for a franchisee's main financial account opened in the franchise store's name of the franchisee, Virtual account information for the virtual account associated with the merchant main financial account, and identification code information assigned to identify the merchant main financial account through the specified financial system, thereby not limiting the present invention.

The operating server 100 is a collective term for a functional configuration to be implemented on the server side in order to perform a reverse independent type of settlement according to the present invention. Or more servers. For example, the operation server 100 may include a server provided in a relay agency relaying the user wireless terminal 200 and the financial server 170 of a financial institution, or may be provided in a financial institution operating the financial server 170 Or may be implemented as a server such as financial server 170 according to an implementation method, and is not limited to a specific physical server.

1, when the financial information of the merchant is not directly included in the encoding information encoded in the code image displayed on the one side of the merchant point device 150, the operation server 100 determines that the user who recognized the code image And an information management unit 105 for registering, storing, and managing the financial information of the merchant to be confirmed through the wireless terminal 200.

When the financial information of the merchant is not directly included in the encoding information encoded in the code image displayed on the one side of the merchant point device 150, the information management unit 105 transmits the financial information of the merchant through the user wireless terminal 200 The financial information of the merchant to be confirmed can be registered and managed in the designated storage medium.

According to the first information recognition embodiment of the present invention, the encoded information to be encoded in the code image may directly include the financial information of the merchant. In this case, the app 255 of the user wireless terminal 200, And the credit information of the merchant that is encoded in the code image can be recognized.

According to the second information recognition embodiment of the present invention, the encoding information encoded in the code image may include unique code information of a specified code system, and the code information may include an identifier for uniquely identifying the financial information of the merchant Function can be performed. In this case, the information management unit 105 may store the code information included in the encoding information encoded in the code image and the financial information of the merchant from the designated operating terminal in association with the designated storage medium, The app 255 of the image processing apparatus 200 may capture the code image through the camera unit 230, recognize the code information encoded in the code image, and request the financial information associated with the code information. In this case, the information providing unit 115 may check the financial information of the merchant associated with the code information and provide the financial information to the app 255 of the user wireless terminal 200.

According to the third information recognition embodiment of the present invention, the encoding information encoded in the code image may include address information of a specified address system, and the address information identifies a storage location storing financial information of the merchant It can perform the function of the identifier. In this case, the information management unit 105 may register the financial information of the merchant from the designated operating terminal, store the financial information in the storage location corresponding to the address information included in the encoding information encoded in the code image, The app 255 of the image processing apparatus 200 may request the financial information stored in the address information after capturing the code image through the camera unit 230 and recognizing the encoded address information in the code image. In this case, the information providing unit 115 may process the financial information of the merchant stored in the storage location corresponding to the address information to be provided to the app 255 of the user wireless terminal 200.

According to the fourth information recognition embodiment of the present invention, the encoding information to be encoded in the code image may include information in a form in which at least two embodiments among the first to third information recognition embodiments are at least partially combined In this case, the information management unit 105 stores information corresponding to the combination embodiment, and responds to the request of the application 255 of the user wireless terminal 200 to the application 255 of the user wireless terminal 200 It can provide information necessary for confirming the financial information of the merchant. For example, the encoding information may include code information (or address information of a storage location in which some information is stored) including some of the financial information of the merchant and associated with some remaining information. In this case, the information managing unit 105 may store the remaining partial information of the financial information of the merchant in a designated storage medium, and the information providing unit 115 may store the remaining partial information at the request of the user wireless terminal 200 To be provided to the application 255 of the user wireless terminal 200.

Referring to FIG. 1, the operation server 100 includes an information storage unit 110 for registering one or more pieces of information for reverse independent payment through an app 255 of a user wireless terminal 200, .

The app 255 of the user wireless terminal 200 may be provided with one or more pieces of information designated to be registered for backward standalone payment when the specified application 255 is installed in the user wireless terminal 200 and executed for the first time Can be performed.

According to the first information registration embodiment of the present invention, the application 255 of the user wireless terminal 200 can register the user's financial information for the backward stand-alone payment. Preferably, the application 255 of the user wireless terminal 200 receives the financial information of the user to be used in the transaction from the user, transmits the financial information of the user to the designated operating server 100, And the information storage unit 110 receives the financial information of the user from the app 255 of the user wireless terminal 200 and stores the financial information in the designated storage medium A storage medium of the operating server 100, a storage medium accessible by the operating server 100, a storage medium of a designated financial institution, a storage medium of the financial server 170, and the like) . Meanwhile, when the user of the user wireless terminal 200 directly receives the key input of the user's financial information at the time of the independent stand-alone payment, the app 255 of the user wireless terminal 200 transmits the user's financial information The registration procedure may be omitted, and thus the present invention is not limited thereto. Alternatively, the application 255 of the user wireless terminal 200 may receive the financial information of the user and store the user's financial information in a designated storage area of the user wireless terminal 200. In this case, The user's financial information can be extracted and used.

According to an embodiment of the present invention, the user's financial information includes financial account information for a user financial account established in a user's name, virtual account information for a virtual account associated with the user financial account, And PIN code information (e.g., PinTech number provided by the banknote cooperative open platform, etc.) allocated to identify the financial account. According to another embodiment of the present invention, the user's financial information may include card information such as a user's credit card, check card, debit card, and cash card in addition to the account related information as described above. Is not limited.

According to the second information registration embodiment of the present invention, the app 255 of the user wireless terminal 200 can register user information (e.g., user's name, date of birth, gender identifier, etc.) . Preferably, the application 255 of the user wireless terminal 200 receives user information for identifying the user at a specified point in time before, during or after registration of the user's financial information, The information storage unit 110 maps the financial information of the user and the user information and stores the information in a designated storage medium (for example, a storage medium of the operating server 100, (For example, the user information is stored in a storage medium of the operation server 100 and the user financial information is stored in a storage medium of a financial institution, Identifier-linked). Meanwhile, the information storage unit 110 may perform a procedure for assigning a user identifier that uniquely identifies the user based on the registration of the user information. In this case, the information storage unit 110 may associate the user information with a user identifier, Can be stored. Meanwhile, the information storage unit 110 may provide the user identifier to the application 255 of the user wireless terminal 200 and store the user identifier in the designated storage area of the user wireless terminal 200 according to the method. The user identifier may be used as an identifier for identifying the user and financial information of the user.

According to the third information registration embodiment of the present invention, the application 255 of the user wireless terminal 200 may transmit the wireless terminal information (for example, the user wireless terminal 200) (E.g., a mobile phone number preassigned from before the installation of the mobile phone 255). Preferably, the application 255 of the user wireless terminal 200 receives the wireless terminal information identifying the user wireless terminal 200 at a specified point in time before, during, or after the registration of the user's financial information, Extracted from the medium (e.g., USIM, etc.), and transmits the wireless terminal information of the input / extracted user wireless terminal 200 to the operation server 100. The information storage unit 110 stores the user's financial information (For example, mapping the user's financial information and the wireless terminal information to the storage medium of the operation server 100) or mapping them to the respective storage media separated from each other (For example, the wireless terminal information may be stored in a storage medium of the operation server 100, and the user financial information may be stored in a storage medium of a financial company, but linked and registered through a designated identifier). In this case, the wireless terminal information may be used as a terminal identifier for identifying the financial information of the user.

The app 255 of the user wireless terminal 200 may be installed in the user wireless terminal 200 after the app 255 is installed in the user wireless terminal 200 It is possible to register a unique identifier that is uniquely and uniquely assigned in order to uniquely identify the app 255. [ The apps 255 of the user wireless terminal 200 may generate unique or unique unique identifiers to uniquely identify the apps 255 installed in the user wireless terminal 200, And transmits the created / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process can be omitted), and the information storage The unit 110 maps the unique identifier identifying the app 255 of the user wireless terminal 200 and the financial information of the user and stores the unique identifier in a designated storage medium (For example, a unique identifier is stored in a storage medium of the operation server 100, and user financial information is stored in a storage medium of a financial institution) Stored in the body but linked and registered through the specified identifier).

According to the fifth information registration embodiment of the present invention, the app 255 of the user wireless terminal 200 may be a user who installed the app 255 after the app 255 is installed in the user wireless terminal 200, It is possible to register a unique identifier that is uniquely and uniquely assigned to the wireless terminal 200 in order to uniquely identify the wireless terminal 200 separately. Preferably, the app 255 of the user wireless terminal 200 is installed in the user wireless terminal 200 and then is not duplicated for uniquely identifying the user wireless terminal 200 installed the app 255 And transmits the generated unique identifier to the operation server 100 (provided that the unique identifier is assigned by the operation server 100), and the generated unique identifier is stored in the designated storage area of the wireless terminal And the information storage unit 110 maps the financial information of the user with the unique identifier that uniquely identifies the user wireless terminal 200 in which the application 255 is installed, (For example, mapping the user's financial information and the unique identifier to the storage medium of the operation server 100) or associating registration (e.g., a unique identifier with the storage medium of the operation server 100) Stored in the medium, and the user financial information can be stored to register) associated with the specified identifier doedoe stored in the storage medium of the financial institution.

According to an embodiment of the present invention, the information storage unit 110 may divide at least one embodiment among the first to fifth information registration embodiments (for example, divide the user financial information of the first information registration embodiment) An embodiment in which a part is stored in a user wireless terminal 200 and a part is stored in a server-side storage medium), or a form in which at least two of the first to fifth information registration embodiments are at least partially combined It is possible to register and store various kinds of information necessary for reverse independent settlement, and thus the present invention is not limited thereto.

Referring to FIG. 1, the operation server 100 receives a code image of a merchant device 150 via a camera from an app 255 of a user wireless terminal 200, And an information providing unit 115 for providing the financial information of the merchant to the app 255 of the user wireless terminal 200 when requesting the information. Meanwhile, when the financial information of the merchant is registered and stored on the operation server 100, only the financial information of the merchant store stored through the app 255 of the user wireless terminal 200 is checked and the application of the user wireless terminal 200 The information providing unit 115 does not provide the financial information of the merchant to the app 255 of the user wireless terminal 200 but only provides the result of checking the financial information of the merchant The present invention is not limited thereto.

When the financial information of the merchant is directly encoded in the code image of the merchant point device 150 according to the first information recognition embodiment of the present invention, the app 255 of the user wireless terminal 200 is transmitted to the merchant point device 150 through the camera, And the financial information of the franchisee can be confirmed from the recognized recognition information. In this case, the information provider 115 can be omitted.

If the code information associated with the financial information of the merchant is encoded in the code image of the merchant point device 150 according to the second information recognition embodiment of the present invention, the app 255 of the user wireless terminal 200 The information provider 115 can receive the code image of the merchant point device 150 and confirm the code information from the recognized recognition information and transmit the code information to the operation server 100. In this case, Receives the code information from the application 255, confirms the financial information of the merchant stored in association with the code information, and identifies the financial information of the merchant (or an identifier for identifying the financial information of the merchant as a result of confirming the financial information of the merchant) And the app 255 of the user wireless terminal 200 may transmit the financial information of the merchant (or the result information including the merchandise information) to the app 255 of the user wireless terminal 200, Verifying the information may receive the result information).

Meanwhile, when the address information corresponding to the storage location storing the financial information of the merchant is encoded in the code image of the merchant point device 150 according to the third information recognition embodiment of the present invention, the application 255 of the user wireless terminal 200 May capture the code image of the merchant device 150 through the camera and check the address information from the recognized identification information to request financial information of the merchant stored in the address information. The application 255 of the wireless terminal 200 may process the financial information of the merchant stored in the address information so that the app 255 of the wireless terminal 200 can receive the financial information of the merchant have.

Meanwhile, according to another embodiment of the present invention, an application 255 of the user wireless terminal 200 may be provided with an identifier (for example, at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information) When requesting the financial information, the information providing unit 115 may check the financial information of the user mapped with the identifier and provide the same to the app 255 of the user wireless terminal 200.

Referring to FIG. 1, the operating server 100 displays a code image displayed on one side of a merchant point device 150 by an app 255 of the user wireless terminal 200, And transmits transaction information including the financial information of the franchisee and the entered money amount information to the user to request a financial transaction, the application of the user wireless terminal 200 A transaction processing unit 125 for processing the financial transaction corresponding to the transaction information through the designated financial server 170, And provides result information including a transaction result of the financial transaction to an app 255 of the user wireless terminal 200 through a result providing unit 130.

The app 255 of the user wireless terminal 200 photographs the code image displayed on one side of the merchant point device 150 and confirms the financial information of the merchant based on the recognized recognition information and confirms the amount information inputted from the user (Or may include an identifier mapped to the financial information of the merchant) and transaction information including the input money information, and transmits the transaction information to the operation server 100. The information receiver 120 Receives the transaction information from the app 255 of the user wireless terminal 200.

According to the first transaction information embodiment of the present invention, the transaction information may further include financial information of the user in addition to the financial information of the merchant and the input money information. Preferably, the app 255 of the user wireless terminal 200 receives the user's financial information or identifies the user's financial information stored in the designated storage area of the user wireless terminal 200, After receiving the registered financial information of the user from the information providing unit 115, the operation server 100 forms transaction information including the financial information of the merchant, the input money information, and the financial information of the user, And the information receiving unit 120 receives the transaction information including the financial information of the merchant, the money amount information, and the financial information of the user from the app 255 of the user wireless terminal 200. [

According to the second transaction information embodiment of the present invention, when the user's financial information is registered and stored through the information storage unit 110, the transaction information includes the financial information of the merchant, And may further include an identifier for identifying the financial information. Preferably, the app 255 of the user wireless terminal 200 includes at least one or a combination of two or more of identifiers (e.g., user identifiers, terminal identifiers, separately generated / assigned unique identifiers) identifying the registered financial information of the user And transmits the transaction information including the financial information of the merchant, the input money information, and the identified identifier to the operation server 100. The information receiving unit 120 transmits the transaction information to the operation server 100, From the app 255 of the user wireless terminal 200, transaction information including the financial information of the merchant, the money amount information, and the identifier.

When the transaction information according to the first or second transaction information embodiment is received through the information receiving unit 120, the transaction processing unit 125 transmits the transaction information to the financial server 170 to process the financial transaction corresponding to the transaction information Check. According to the first transaction information embodiment, when the transaction information includes the user's financial information, the transaction processing unit 125 can check the financial server 170 of the financial institution corresponding to the financial information of the user. Or if the transaction information includes an identifier that identifies the user's financial information according to the second transaction information embodiment, the transaction processor 125 determines whether the financial information of the financial server of the financial institution corresponding to the financial information of the user mapped with the identifier (170). Meanwhile, according to the embodiment, the transaction processing unit 125 can confirm the financial server 170 that will process the financial transaction with the specified financial system (for example, the banking cooperative open platform of the KFTC), and the present invention is not limited thereto .

The transaction processing unit 125 transmits the financial transaction corresponding to the transaction information to the identified financial server 170, and processes the financial transaction according to the designated transaction procedure. Preferably, the financial transaction includes a transaction in which an amount corresponding to the amount information of the transaction information is transferred or deposited to an account corresponding to the financial information of the affiliated member. If the transaction information and the identifier mapped to the user's financial information are included according to the second transaction information embodiment and the financial information of the user mapped with the identifier is stored in the storage medium of the operation server 100, The transaction processing unit 125 confirms the financial information of the user mapped with the identifier from the storage medium, transmits the transaction information including the confirmed user's financial information to the financial server 170, Financial transactions can be processed. If the financial information of the user mapped with the identifier is stored in the storage medium of the financial server 170, the transaction processing unit 125 transmits the transaction information including the identifier to the financial server 170, The transaction can be processed in accordance with the procedure.

The result providing unit 130 may check the result information including the transaction result of the financial transaction requested by the transaction processing unit 125 in cooperation with the financial server 170, 255). ≪ / RTI >

According to an embodiment of the present invention, the result information is obtained by capturing a code image through the camera unit 230 at a specific point in the user wireless terminal 200, inputting amount information, And may include a unique assigned transaction identification code. The transaction identification code may be assigned through at least one of the application 255 of the user wireless terminal 200, the transaction processing unit 125, or the financial server 170 An event in which a code image is photographed through the camera unit 230 of the user wireless terminal 200, an event in which financial information of a merchant is confirmed using the code image, An event, an event for requesting a transaction procedure by transmitting the transaction information, and an identification code newly assigned by a combination of at least one of the events. According to the embodiment of the present invention, the transaction ID code is generated by the merchant device 150, which has received the result information, independently of the transaction result of the financial transaction performed in the reverse direction through the user wireless terminal 200 without intervention thereof Post-inquiry, or verification.

According to the embodiment of the present invention, the result information indicates that the transaction result included in the result information is a transaction result of a legitimate financial transaction independently performed in the reverse direction through the user wireless terminal 200 The authentication information may be included in the result information and may be transmitted to the merchant device 150 and authenticated through the merchant device 150. [

According to the first authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the financial server 170 so as to be authentic through the merchant point device 150. In this case, The result providing unit 170 may dynamically generate a disposable code and provide the resultant information to the operating server 100. The result providing unit 130 may further include the disposable code from the financial server 170 And provides the result information to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may receive the result information further including the disposable code and then transmit the result information to the merchant device 150 according to a designated procedure, Authenticates the validity of the one-time code included in the result information, and thus the transaction result included in the result information is independently and correctly performed in the reverse direction through the user wireless terminal 200 without intervention thereof It can be certified that it is a valid transaction result of a financial transaction. Meanwhile, the financial server 170 may register and manage at least one fixed seed for generating the disposable code.

According to the second authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the operation server 100 so as to be authentic through the merchant point device 150. In this case, The study 130 may dynamically generate a disposable code to be included in the result information and transmit the disposable code to the result information to be provided to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may transmit the result information to the merchant device 150 according to a designated procedure after receiving the result information further including the disposable code, Authenticates the validity of the one-time code included in the result information, and thus the transaction result included in the result information is independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof It can be certified that it is a valid transaction result of a financial transaction. Meanwhile, the result providing unit 130 may register and manage at least one fixed seed for generating the disposable code.

According to the third authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the user wireless terminal 200 to be authentic through the merchant device 150, When the providing unit 130 provides the result information to the app 255 of the user wireless terminal 200, the app 255 of the user wireless terminal 200 dynamically generates a disposable code to be included in the result information The franchise point device 150 may transmit the result information including the disposable code to the franchise point device 150 in accordance with a designated procedure, and the franchise point device 150 may receive the result information and, after receiving the result information, It is verified that the transaction result included in the result information is a valid transaction result of the financial transaction independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof Can. Meanwhile, at least one fixed seed for generating the disposable code may be set in the app 255 of the user wireless terminal 200.

According to the fourth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the financial server 170, The financial server 170 can hash the at least one specified information included in the result information to dynamically generate a hash authentication code and provide the hash authentication code to the operation server 100 as the result information, 130 may receive the result information including the hash authentication code from the financial server 170 and provide the result information to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may receive the result information further including the hash authentication code and may forward the result information to the merchant device 150. The merchant device 150 may transmit the result information The validity of the hash verification code included in the result information is authenticated, and thus the transaction result included in the result information is validated through the user wireless terminal 200 in the reverse direction without being intervened, The result can be authenticated.

According to the fifth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the operation server 100, The result providing unit 130 dynamically generates a hash authentication code by hashing one or more specified information included in the result information and transmits the hash authentication code to the result information to be provided to the app 255 of the user wireless terminal 200. [ And transmits it. The app 255 of the user wireless terminal 200 may receive the result information further including the hash authentication code and may forward the result information to the merchant device 150. The merchant device 150 may transmit the result information The validity of the hash verification code included in the result information is authenticated, and thus the transaction result included in the result information is validated through the user wireless terminal 200 in the reverse direction without being intervened, The result can be authenticated.

According to the sixth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing at least one specified information included in the result information at the user wireless terminal 200, When the result providing unit 130 provides the result information to the app 255 of the user wireless terminal 200, the app 255 of the user wireless terminal 200 transmits one or more specified information included in the result information And transmits the result information including the hash authentication code to the merchant point device 150. The merchant point device 150 receives the result information and then transmits the result information to the merchant point device 150. [ Authenticating the validity of the included hash authentication code, thereby allowing the transaction result included in the result information to be independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof Can authenticate that a valid transaction result of the transaction.

FIG. 2 is a diagram illustrating a functional configuration of a user wireless terminal 200 according to an embodiment of the present invention.

2 illustrates a configuration of a user wireless terminal 200 having an app 255 for processing a backward stand-alone payment. As long as those skilled in the art are familiar with the present invention, 2 may be referenced and / or modified to derive various implementations of the functionality of the user wireless terminal 200, but the invention is not limited to the embodiments illustrated in the drawings The technical features are not limited by the method alone.

2, the user wireless terminal 200 includes a control unit 205, a memory unit 250, a screen output unit 210, a user input unit 215, a sound output unit 220, and a sound input unit 225 A Bluetooth unit 235, an NFC unit 240, a local area network communication unit 245a, a wireless network communication unit 245b, a USIM reader unit, and a USIM, and is provided with a battery for power supply do.

The control unit 205 is a collective term for controlling the operation of the wireless terminal. The control unit 205 includes at least one processor and an execution memory. The control unit 205 controls each component included in the user wireless terminal 200, Lt; / RTI > According to the present invention, the control unit 205 loads at least one program code included in the user wireless terminal 200 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the user wireless terminal 200. Hereinafter, the functional configuration of the application 255 installed and executed in the wireless terminal in the form of program code will be described in the control unit 205 for convenience.

The memory unit 250 is a generic name of a nonvolatile memory corresponding to a storage resource of the wireless terminal and includes at least one program code executed through the control unit 205 and at least one data set used by the program code And stores it. The memory unit 250 basically comprises a system program code and a system data set corresponding to an operating system of the wireless terminal, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal, and at least one application program code And the application code and data set corresponding to the app 255 of the present invention are also stored in the memory unit 250. [

The screen output unit 210 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 210. The screen output unit 210 is interlocked with the control unit 205, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 215 includes at least one user input device (e.g., a button, a keypad, and a touch pad) and a driving module for driving the user input unit 215. The user input unit 215 commands various operations of the control unit 205 in cooperation with the control unit 205 Or inputs data necessary for the operation of the control unit 205. [ Preferably, the user input unit 215 may implement a touch screen in cooperation with the screen output unit 210.

The sound wave output unit 220 is composed of a speaker for outputting a sound wave and a drive module for driving the sound wave output unit. The sound wave output unit 220 decodes data corresponding to a sound wave output among various calculation results of the control unit 205, Output. The sound wave signal output through the sound wave output unit 220 may include a sound wave signal in an audible frequency band that can be perceived through human hearing, And may include a sound wave signal including

The sound wave input unit 225 comprises a microphone and a drive module for driving the microphone. The sound wave input unit 225 encodes the sound wave input through the microphone and transmits the encoded sound wave to the control unit 205. The sound wave input through the sound wave input unit 225 may include a sound signal that is generated by a person and may include a sound wave signal including a sound wave code in which a designated bit stream is encoded according to the method.

The camera unit 230 includes an optical unit corresponding to a camera, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit, and acquires image data or image data in a bitmap form input to the CCD through the optical unit . The data obtained through the camera unit 230 may include still image data or moving image data.

The Bluetooth unit 235 collectively refers to a wireless communication resource for transmitting and receiving a Bluetooth-based radio frequency signal (hereinafter, referred to as 'Bluetooth signal' for convenience) at a predetermined short range (for example, about 30 m and a maximum of 100 m) Bluetooth signal can be transmitted and received according to specification 4.0 or later. The Bluetooth unit 235 can process the pairing-based bidirectional Bluetooth communication and can transmit (or broadcast) the Bluetooth signal unidirectionally (or broadcast) without pairing according to a standard (for example, BLE standard, etc.) And can recognize and process various information included in the Bluetooth signal received without the pairing.

The NFC unit 240 may use one or more of at least one of a two-way proximity wireless communication, a full-duplex proximity wireless communication, and a half-duplex proximity wireless communication using a near field communication (NFC) based radio frequency signal at a specified proximity As a collective term for wireless communication resources that process communication, it is possible to process proximity wireless communication preferably in accordance with the NFC standard. The NFC unit 240 may operate in a reader mode, a tag mode, or a bidirectional communication mode.

The wireless network communication unit 245b and the local area network communication unit 245a are collectively referred to as communication resources for connecting the user wireless terminal 200 to a designated communication network. Preferably, the user wireless terminal 200 may include a wireless network communication unit 245b as a basic communication resource, and may include one or more short-range network communication units 245a.

The wireless network communication unit 245b collectively refers to a communication resource for connecting the user wireless terminal 200 to a wireless communication network via a base station. The wireless communication unit 245b includes an antenna, an RF module, a baseband module, And a signal processing module. The control unit 205 is connected to the control unit 205 and transmits operation results corresponding to wireless communication among the various operation results of the control unit 205 through a wireless communication network or transmits data through a wireless communication network And transmits it to the control unit 205, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 245b can connect the user wireless terminal 200 to a call network including a call channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 245b is a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, in accordance with the intention of those skilled in the art, the wireless network communication unit 245b may operate according to other wireless network standards other than mobile communication, and thus the present invention is not limited thereto. That is, the wireless network communication unit 245b 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 245a connects a communication session using a radio frequency signal as a communication medium at a predetermined short distance (for example, about 30 meters) and connects the user wireless terminal 200 to the communication network The user wireless terminal 200 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the short-range network communication unit 245a may be integrated with or separated from the wireless network communication unit 245b. According to the present invention, the short-range network communication unit 245a connects the user wireless terminal 200 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader is a collective term for a configuration in which at least one data set is exchanged with a universal subscriber identity module that is mounted or detached from the user wireless terminal 200 based on the ISO / IEC 7816 standard, Data sets are exchanged in half-duplex mode via 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 unit, a program code for at least one IC chip, (Or processing) a program code for the IC chip in accordance with at least one command transmitted from the user wireless terminal 200, or extracting (or processing) the data set in connection with the input / output interface, Interface to the processor.

The user wireless terminal 200 downloads and installs the application 255 of the present invention from a designated application providing server (for example, an Apple App Store or the like) through a data network. When the application 255 is operated, ).

Referring to FIG. 2, the application 255 of the user wireless terminal 200 includes an information registration unit 260 for performing a procedure of registering information for reverse independent payment.

The information registration unit 260 performs a procedure of registering one or more pieces of information designated to be registered for backward standalone payment at the time of initial operation of the application 255 installed in the user wireless terminal 200 .

According to the first information registration embodiment of the present invention, the information registration unit 260 can register the user's financial information for the backward-direction stand-alone payment. Preferably, the information registration unit 260 receives financial information of a user to be used in a transaction from a user, transmits the inputted financial information of the user to the designated operation server 100, The operation server 100 may receive the financial information of the user from the application 255 of the user wireless terminal 200 and may transmit the financial information of the user to the designated storage medium A storage medium accessible by the operation server 100, a storage medium of a designated financial institution, a storage medium of the financial server 170, and the like). Meanwhile, in the case where the user's financial information is directly input in the app 255 of the user wireless terminal 200 in the case of the reverse independent payment of the present invention, the information registration unit 260 may omit the procedure of registering the user's financial information The present invention is not limited thereto. Alternatively, the information registration unit 260 may receive the financial information of the user and store the received financial information in a designated storage area of the user wireless terminal 200. In this case, the user's financial information stored in the designated storage area may be extracted .

According to an embodiment of the present invention, the user's financial information includes financial account information for a user financial account established in a user's name, virtual account information for a virtual account associated with the user financial account, And PIN code information (e.g., PinTech number provided by the banknote cooperative open platform, etc.) allocated to identify the financial account. According to another embodiment of the present invention, the user's financial information may include card information such as a user's credit card, check card, debit card, and cash card in addition to the account related information as described above. Is not limited.

According to the second information registration embodiment of the present invention, the information registration unit 260 may register user information (e.g., a user's name, date of birth, gender identifier, etc.) identifying the user. Preferably, the information registration unit 260 receives user information for identifying the user at a specified point in time before, during and after the registration of the user's financial information, receives the input user information from the operation server 100, The operation server 100 maps the financial information of the user and the user information and stores the user information in a designated storage medium (e.g., mapping the user's financial information and user information to the storage medium of the operation server 100) (For example, the user information is stored in the storage medium of the operation server 100 and the user financial information is stored in the storage medium of the financial company, but is linked and registered through the specified identifier) to each of the storage media separated from each other Can be stored. Meanwhile, the operation server 100 may perform a procedure of assigning a user identifier that uniquely identifies the user based on the registration of the user information. In this case, the operation server 100 stores the user information and the user identifier in a specified storage medium . Meanwhile, the operation server 100 may provide the user identifier to the application 255 of the user wireless terminal 200 and store the user identifier in the designated storage area of the user wireless terminal 200 according to the embodiment. The user identifier may be used as an identifier for identifying the user and financial information of the user.

According to the third information registration embodiment of the present invention, the information registration unit 260 registers wireless terminal information identifying the user wireless terminal 200 (e.g., installing the application 255 in the user wireless terminal 200) A pre-assigned mobile phone number, etc.). Preferably, the information registration unit 260 receives the wireless terminal information identifying the user wireless terminal 200 at a predetermined point in time before, during or after the registration of the user's financial information, Extracts the user terminal 200 from the user terminal 100, and transmits the wireless terminal information of the input / extracted user wireless terminal 200 to the operation server 100. The operation server 100 maps the user's financial information and the wireless terminal information (For example, mapping the user's financial information and wireless terminal information to a storage medium of the operation server 100) or associating registration with each storage medium separated from each other (for example, Stored in the storage medium of the operation server 100, and the user financial information is stored in a storage medium of a financial institution, but is linked and registered through a designated identifier). In this case, the wireless terminal information may be used as a terminal identifier for identifying the financial information of the user.

According to the fourth information registration embodiment of the present invention, the information registration unit 260 registers the app 255 installed in the user wireless terminal 200 after the app 255 is installed in the user wireless terminal 200 A unique identifier that is uniquely assigned so as not to be duplicated can be registered. Preferably, the information registration unit 260 generates a unique unique identifier unique to the user wireless terminal 200 to uniquely identify the installed application 255, stores the unique identifier in a designated storage area of the wireless terminal And transmits the created / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process may be omitted) The unique identifier for uniquely identifying the application 255 of the mobile terminal 200 and the financial information of the user are mapped and stored in a designated storage medium (for example, the financial information of the user and the unique identifier are stored in the storage medium of the operation server 100 (For example, the unique identifier is stored in the storage medium of the operation server 100 and the user financial information is stored in a storage medium of a financial institution, Through a specified identifier may be stored so that the associated register).

According to the fifth information registration embodiment of the present invention, the information registration unit 260 registers the user wireless terminal 200 installed with the app 255 after the app 255 is installed in the user wireless terminal 200 It is possible to register a unique identifier that is separately and uniquely assigned for the unique identification. The information registration unit 260 may include a unique unique identifier unique to the user wireless terminal 200 installed in the user wireless terminal 200 after the application 255 is installed And stores the created unique identifier in the designated storage area of the wireless terminal, and transmits the generated / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process may be omitted) The operating server 100 maps the financial information of the user with the unique identifier that uniquely identifies the user wireless terminal 200 installed with the application 255 and stores the unique identifier in a designated storage medium (For example, the unique identifier is stored in the storage medium of the operation server 100), or a linkage registration (for example, a unique identifier is stored in the storage medium of the operation server 100) User financial information can be stored to register) associated with the specified identifier doedoe stored in the storage medium of the financial institution.

According to the method of the present invention, the information registration unit 260 may divide at least one embodiment among the first to fifth information registration embodiments (for example, by dividing the user financial information of the first information registration embodiment Such as an embodiment in which a part of the information is stored in the user wireless terminal 200 and a part thereof is stored in a storage medium in the server side) or a form in which at least two of the first to fifth information registration embodiments are at least partially combined So as to perform a procedure of registering various kinds of information necessary for reverse independent settlement, and thus the present invention is not limited thereto.

2, an app 255 of the user wireless terminal 200 photographs a code image displayed on one side of a merchant point device 150 provided at an offline merchant through the camera unit 230, And an information recognition unit (265) for confirming the financial information of the franchisee based on the identification information.

An offline merchant providing reverse independent settlement according to the present invention displays a code image on at least one side and inputs a sound wave signal output (e.g., analog output) through the sound wave output unit 220 of the user wireless terminal 200 And a sound module (160) for recognizing information corresponding to a bit stream or a pattern (e.g., a frequency pattern) encoded in the sound wave signal, wherein the sound module includes at least one And a franchise point device 150 having a display unit 165. The merchant device 150 may include a separate payment device for an affiliate shop. The merchant device 150 may be a POS terminal provided in an offline merchant, a merchant terminal such as a CAT, a tablet PC provided in an affiliate store, Or a mobile terminal of a merchant such as a mobile phone or a smart phone possessed by a merchant's stock or a combination of a merchant terminal and an affiliated store wireless terminal or a combination of an affiliated store terminal and an affiliated store's primary wireless terminal. Hereinafter, the franchise point device 150 will be described as an example of a payment device for an affiliate shop, but it should be apparent that the present invention is not limited thereto.

The information recognizing unit 265 acquires usage rights of the camera unit 230 of the user wireless terminal 200 to activate the photographing function and induce the photographing of the code image displayed on one side of the merchant point device 150 At the same time, an image area obtained by photographing a code image displayed on one side of the merchant point device 150 is read, and the encoded information encoded in the code image is checked, and the encoded information is read and based on the recognized recognition information And confirms the financial information of the merchant.

According to the first information recognition embodiment of the present invention, the financial information of the franchisee can be directly encoded in the code image. In this case, the information recognizing unit 265 photographs the code image displayed on one side of the merchant point device 150 through the camera unit 230, reads the obtained image area, and stores the encoded information encoded in the code image Recognizes the identification information including the financial information of the merchant by reading the encoding information according to the specified encoding rule, and confirms the financial information of the merchant included in the identification information. Meanwhile, the recognized information read out from the encoded information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the financial information of the merchant included in the recognition information. In this case, The authentication unit 265 can authenticate the validity of the authentication value and authenticate the validity of the financial information of the merchant included in the recognition information. Meanwhile, when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information may include a dynamic authentication value generated to authenticate the validity of the financial information of the merchant (For example, a hash authentication code generated by hashing one or more pieces of information included in the recognition information with a specified hash algorithm). In this case, the dynamic authentication value is authenticated through the information recognition unit 265 , Or may be authenticated through the operational server 100 or the financial server 170 after being included in the transaction information. Or when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information may be a once-dynamically generated one to authenticate the validity of the financial information of the merchant (E.g., one-off codes dynamically generated by substituting dynamic seeds (e.g., time values) dynamically determined in real time with one or more fixed seeds pre-exchanged with the authentication side in a specified code generation algorithm) The one-time authentication value is included in the transaction information and then transmitted to the server side (e.g., the operation server 100, the financial server 170, or a separate designated authentication server) ). ≪ / RTI >

According to the second information recognition embodiment of the present invention, the code image may be encoded with unique code information that uniquely identifies the financial information of the merchant registered through the information registration unit 260. [ In this case, the information recognizing unit 265 photographs the code image displayed on one side of the merchant point device 150 through the camera unit 230, reads the obtained image area, and stores the encoded information encoded in the code image Recognizes recognition information including unique code information of a designated code system by reading the encoding information according to a designated encoding rule, and transmits the code information to the designated operation server 100 to associate with the code information The financial information of the franchisee can be received. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the code information included in the recognition information. In this case, the information recognition unit 265 May authenticate the validity of the authentication value and authenticate the validity of the code information included in the recognition information. Meanwhile, when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information includes a dynamic authentication value generated for authenticating the validity of the code information In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, or may be authenticated through the operation server 100 or the financial server 170 after being transmitted and included in the transaction information. Or when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information may include a dynamically generated one-time authentication value for authenticating the validity of the code information In this case, the one-time authentication value may be authenticated through the server side, which is included in the transaction information and then transmitted and shared with the fixed seed of the merchant point device 150 side.

Meanwhile, according to the embodiment of the present invention, the recognition information including the code information may further include address information on the server side in which the code information and the financial information of the merchant store are stored in association with each other. In this case, May transmit the code information to the address information on the server side included in the recognition information and receive the financial information of the merchant associated with the code information. If the address information in which the code information and the financial information of the merchant are stored in association with each other is set in the application 255, the identification information may not include the address information of the server side. No.

According to the third information recognition embodiment of the present invention, the code image may be encoded with address information corresponding to a storage location for storing financial information of a merchant registered through the information registration unit 260. [ In this case, the information recognizing unit 265 photographs the code image displayed on one side of the merchant point device 150 through the camera unit 230, reads the obtained image area, and stores the encoded information encoded in the code image Recognizes recognition information including the address information of the designated address system by reading the encoding information according to the designated encoding rule, accesses the server (e.g., the operation server 100 or the like) corresponding to the address information, The financial information of the merchant can be received. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the address information included in the recognition information. In this case, the information recognition unit 265 May authenticate the validity of the authentication value and authenticate the validity of the address information included in the authentication information. Meanwhile, when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information includes a dynamic authentication value generated to authenticate the validity of the address information In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, or may be authenticated through the operation server 100 or the financial server 170 after being transmitted and included in the transaction information. Or when the code image is electronically output through the display unit 165 provided on the user side of the merchant point device 150, the recognition information may include a dynamically generated one-time authentication value for authenticating the validity of the address information In this case, the one-time authentication value may be authenticated through the server side, which is included in the transaction information and then transmitted and shared with the fixed seed of the merchant point device 150 side.

According to the fourth information recognition embodiment of the present invention, the code image may be encoded in the form of at least partially combining at least two of the first to third information recognition embodiments. In this case, the information recognizing unit 265 photographs the code image displayed on one side of the merchant point device 150 through the camera unit 230, reads the obtained image area, and stores the encoded information encoded in the code image And the financial information of the franchisee can be confirmed on the basis of the identification information obtained from the encoding information according to the embodiment in which at least two embodiments among the first to third information recognition embodiments are at least partially combined.

Referring to FIG. 2, the application 255 of the user wireless terminal 200 includes an amount input unit 270 for confirming money amount information input from a user through an interface for receiving money amount information, An information constructing unit 275 configuring transaction information including the input amount information, and the transaction information configured by the designated reverse path to the financial server 170 to request the financial transaction to be performed according to a designated transaction procedure And a transaction request unit 280. [

At a point in time before, during, or after the recognition of the financial information of the merchant through the information recognition unit 265, the money amount input unit 270 determines that the user himself / herself The user inputs an amount information for backward stand-alone payment from the user through the interface, and inputs the amount information inputted through the interface to the user through the interface Check with the amount information.

When the financial information of the franchisee is confirmed through the information recognition unit 265 and the money amount information input by the user through the money amount input unit 270 is confirmed, the information construction unit 275 acquires financial information of the franchisee And forms transaction information for requesting a transaction through the reverse path including the input amount information. Preferably, the information constructing unit 275 may configure transaction information for requesting a financial transaction for processing such that the money corresponding to the money information is transferred or deposited to an account corresponding to the financial information of the merchant.

(For example, if the user's financial information is not registered in the storage medium of the designated server via the information registration unit 260), the information configuration unit 275 may display an interface for receiving financial information of a user to be used in the transaction for the backward standalone settlement and may receive the financial information of the user through the interface and include the information in the transaction information.

Meanwhile, when the user's financial information is stored in the designated storage area of the user wireless terminal 200, the information construction unit 275 extracts the financial information of the stored user and transmits the extracted financial information of the user to the transaction information Can be included.

Meanwhile, when the user's financial information is registered in the storage medium of the designated server through the information registration unit 260, the information organization unit 275 confirms the financial information of the user registered in the server-side storage medium (E.g., at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information) to the server side, receives the financial information of the user mapped with the identifier, And can output the received financial information. The information constructing unit 275 may include the received financial information of the user in the transaction information.

Meanwhile, when the user's financial information is registered in the storage medium of the designated server through the information registration unit 260, the information organization unit 275 confirms the financial information of the user registered in the server-side storage medium (For example, at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information), and by including the identified identifier in the transaction information, The financial information of the user stored in the designated storage medium may be extracted through the server (for example, the operation server 100 or the financial server 170).

According to the embodiment of the present invention, the information constructing unit 275 may acquire the amount corresponding to the amount information from the account (or card, etc.) corresponding to the user financial information through the designated financial server 170, At least one transaction authentication information (for example, at least one information specified among a transaction authentication PIN, an electronic signature, and a disposable password registered by a user) necessary for requesting a financial transaction to be handed over or deposited to an account corresponding to the information Or may be included in the transaction information.

If the transaction information including the financial information of the merchant and the input money information and including the user's financial information (or the identifier mapped with the user's financial information) is configured through the information constructing unit 275, The requesting unit 280 transmits the configured transaction information to the operation server 100 through the reverse path that the merchant point device 150 does not intervene and the operation server 100 transmits the transaction information to the designated financial server 170 Requests the financial transaction using the information, and requests the financial transaction through the financial server 170 according to a transaction procedure corresponding to the transaction information. Preferably, the financial transaction includes a financial transaction in which an amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.

After processing the financial transaction, the financial server 170 composes result information including a transaction result (for example, transaction details) of the financial transaction and transmits the result information to the operation server 100. The operation server 100 Provides the result information to the app 255 of the user wireless terminal 200.

According to the embodiment of the present invention, the result information uniquely identifies the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal 200 without involvement of the merchant device 150 A transaction identification code may be included.

According to the embodiment of the present invention, the result information may include a disposable code dynamically generated by the financial server 170 so that it can be authenticated through the merchant point device 150, and / Authentication information such as a hash authentication code generated by hashing one or more specified information included in the result information. Or the result information may be a hash code dynamically generated by the operation server 100 so as to be authenticable through the merchant device 150 and / or hashed information or one or more specified information included in the result information in the operation server 100 And a hash authentication code generated by the hash function.

Referring to FIG. 2, the app 255 of the user wireless terminal 200 includes a result reception unit 285 that receives result information including a transaction result of the financial transaction through a designated reverse path, And a result transmitting unit 290 for encoding the result information into an acoustic signal which can be interpreted by the merchant point device 150 through the communication unit 220 and outputting the encoded result information.

After the transaction request is transmitted through the transaction request unit 280 to the merchant point device 150 through the reverse path that does not intervene, the result receiving unit 285 transmits the transaction information through the reverse path, The result information including the transaction result of the transaction is received and the transaction result included in the received result information may be outputted through the screen output unit 210. [ Meanwhile, the result information may further include authentication information such as a hash code generated by dynamically generating a one-time code dynamically generated by the merchant device 150 and / or a hash code generated by hashing one or more specified information included in the result information .

The result transmitter 290 activates the function of transmitting and receiving the sound wave signal by acquiring the right to use the sound wave output unit 220 of the user wireless terminal 200 and preferably transmits the sound wave signal in a designated frequency band Or the like), and activates a function capable of outputting the encoded bit stream or pattern.

According to an embodiment of the present invention, the result transmitter 290 encodes a bit string or pattern corresponding to the result information into an acoustic wave signal output (for example, analog output) through the acoustic wave output unit 220 and outputs (For example, analog output), thereby analyzing the bit stream or pattern included in the sound wave signal and transmitting the result information to the merchant point device 150 having the sound wave module 160 capable of recognizing the encoded information in the sound wave signal . Preferably, the result transmitter 290 transmits the result information to the merchant point device 150 through the analog output sound signal, in order to safely transmit the result information to the merchant point device 150, It is difficult to confirm whether the sound wave signal is normally received and processed in the merchant point device 150 due to the characteristics of the sound wave signal which is analog output, so that the sound wave signal is repeatedly output a predetermined number of times or more, It is desirable to perform processing such that valid reception and recognition are performed in the communication unit 150). The device of the merchant is notified that the sound intensity of the sound signal output at the designated signal intensity through the sound wave output unit 220 of the user wireless terminal 200 is equal to or higher than the signal intensity detected when the sound wave signal is received within a specified distance) (Optionally) a received blue pitcher signal to recognize result information contained in the sound wave signal.

Meanwhile, the result transmitter 290 may dynamically generate an authenticable one-off code through the merchant point device 150 and / or may generate a hash authentication code that hashes one or more specified information included in the result information, The generated authentication information may be included in the result information, and analog output may be performed through the sound wave signal. Accordingly, the present invention is not limited thereto.

The sound wave module 160 of the merchant point device 150 receives the sound wave signal outputted through the sound wave output unit 220 of the user wireless terminal 200 and recognizes the result information included in the received sound wave signal . The franchise point device 150 (or the sound module 160) confirms the authentication information such as the one-time code or the hash verification code included in the recognized result information, authenticates the validity of the confirmed authentication information, Verifies the validity of the transaction results contained in the information. That is, if the merchant device 150 does not intervene in the procedure of performing the financial transaction corresponding to the transaction result included in the result information but authenticates the authentication information included in the result information and succeeds in authentication, The included transaction results can be recognized as a transaction result of a financial transaction that has been independently validated through a reverse path without its involvement.

When the validity of the transaction result included in the result information is authenticated through the authentication information, the merchant point device 150 displays one or more display units 165 (for example, the merchant point side display unit and the merchant point display unit) provided in the merchant point device 150 The user side display unit 165).

According to the embodiment of the present invention, the result information uniquely identifies the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal 200 without involvement of the merchant device 150 In this case, the merchant point device 150 transmits the reverse identification code to the application 255 of the user wireless terminal 200 through a separate communication path using the transaction identification code included in the result information. , It is possible to post-inquire the transaction result of the financial transaction independently processed or to post-test the transaction effectiveness of the financial transaction.

FIG. 3 is a diagram illustrating an information registration process according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates an embodiment of registering financial information of an affiliate store and financial information of a user for reverse stand-alone settlement, and if the person skilled in the art is familiar with the present invention, It will be understood by those skilled in the art that various other embodiments may be devised by those skilled in the art to which the present invention is directed, And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, when an operating terminal requests registration (300) of code information to be encoded in the code image of the merchant point device 150 provided at an affiliate store and financial information of the merchant, 100 maps the financial information and the code information of the franchisee and registers and stores the mapped information in a designated storage medium (305).

Referring to FIG. 3 according to another embodiment of the present invention, when an operating terminal requests registration of address information to be encoded in a code image of a merchant point device 150 provided at an affiliate store and financial information of the merchant, The server 100 registers and stores the financial information of the merchant at a storage location corresponding to the address information (305).

Referring to FIG. 3 according to another embodiment of the present invention, an application 255 of a user wireless terminal 200 requests registration of a user's financial information (320) according to a first information registration embodiment of the present invention, (At least one identifier among a user identifier, a terminal identifier, and a unique identifier) according to one or more of the second to fifth information registration embodiments of the present invention, 100 registers and stores the user's financial information in a designated storage medium (325), maps and stores the requested identity with the user's financial information (325).

FIG. 4 is a diagram illustrating a process of recognizing an affiliated merchant's financial information or requesting a reverse transaction according to the first embodiment of the present invention.

4 is a flowchart illustrating a process of recognizing the financial information of the merchant when the financial information of the merchant is directly encoded in the code image of the merchant device 150, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope of the present invention. It will be appreciated that various implementations of the process (e.g., omitting some of the steps or changing the order) may be inferred, but the present invention encompasses all such contemplated embodiments, The technical features thereof are not limited by the implementation method alone.

Referring to FIG. 4, when a code image obtained by directly encoding financial information of an affiliate shop is displayed (400) on one side of a merchant point device 150, the app 255 of the user wireless terminal 200 transmits a camera section 230 A code image displayed on one side of the merchant point device 150 is photographed 405, the encoded image information is read, the encoded information encoded in the code image is checked 410, the encoding information is read Recognizes the identification information including the financial information of the merchant (415), authenticates the validity of the identification information through the authentication value included in the identification information according to the method of operation (415) The financial information is confirmed (420).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 displays an interface for receiving the amount information determined by the user (or verbal agreement with the merchant) 425), and inputs money amount information through the interface (430).

If the financial information of the merchant is confirmed and the money amount information is inputted, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (E.g., extracting a user ID, a terminal identifier, or a unique identifier) that is mapped to the user's financial information (step 435) (440) for requesting a financial transaction for merchant settlement through a designated financial server (170) including the financial information of the recognized merchant and the amount information inputted by the user, , The operation server 100 transmits the configured transaction information through a reverse path that the merchant point device 150 does not intervene to request a transaction (445) And receives the transaction information for the financial transaction through the reverse path (450).

5 is a diagram illustrating a process of recognizing an affiliated merchant's financial information and requesting an inverse transaction according to a second embodiment of the present invention.

5 is a flowchart illustrating a process of checking the financial information of the merchant through the code information when the code information mapped to the financial information of the merchant is encoded in the code image of the merchant point device 150, The present invention is not limited to the above-described embodiment, but may be modified and / or modified in accordance with the present invention by a person having ordinary skill in the art to which the present invention pertains, It will be appreciated that various implementations of the financial information recognition or reverse transaction request process may be inferred (e.g., some steps may be omitted or alternate sequences), but the present invention includes all of the above- , But the technical features thereof are not limited only by the method shown in FIG.

5, when a code image obtained by encoding the code information mapped with the financial information of the merchant is displayed on one side of the merchant point device 150 (500), the app 255 of the user wireless terminal 200 displays (505) a code image displayed on one side of the merchant point device (150) through the controller (230), reads the captured image area to check the encoded information encoded in the code image (510) (515), and authenticates the validity of the recognition information based on the authentication value included in the recognition information (515). The application 255 of the user wireless terminal 200 requests 520 the financial information of the merchant to the designated operating server 100 through the code information included in the recognition information 520, The mobile terminal 200 confirms the financial information of the registered merchant that is mapped with the code information through the process of FIG. 3 and provides the same to the app 255 of the user wireless terminal 200 (525) Confirms the financial information of the merchant (520).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 displays an interface for receiving the amount information determined by the user (or verbal agreement with the merchant) 530), and inputs money amount information through the interface (535).

If the financial information of the merchant is confirmed and the money amount information is inputted, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (E.g., extracting the user identifier, the terminal identifier, or the unique identifier) that is mapped to the financial information of the user (step 540) (545) for requesting a financial transaction for merchant settlement through a designated financial server (170) including the recognized financial information of the merchant and the amount information entered by the user, , The operation server 100 sends a transaction request (550) by transmitting the configured transaction information through a reverse path that the merchant point device 150 does not intervene (550) And receives the transaction information for the financial transaction through the reverse path (555).

FIG. 6 is a diagram illustrating a process of requesting the merchant's financial information recognition and the reverse transaction according to the third embodiment of the present invention.

6, when the address information on the network storing the financial information of the merchant is stored in the code image of the merchant shop 150, the financial information of the merchant is confirmed through the address information, FIG. 6 is a flowchart illustrating an example of a transaction request using the financial information of the merchant through a reverse path that does not intervene. Referring to FIG. 6 and / or modified by the person skilled in the art, It is possible to deduce various implementation methods (for example, omitting some steps or changing the order) regarding the process of recognizing the merchant's financial information or requesting the reverse transaction. However, the present invention includes all the above- And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 6, when a code image obtained by encoding the address information of the affiliate store 150 is stored on one side of the merchant point device 150, the app 255 of the user wireless terminal 200 displays the code image (610) a code image displayed on one side of the merchant point device (150) through the image area (230), reading the photographed image area to check the encoded information encoded in the code image (610) Recognizes the recognition information including the address information (615), and authenticates the validity of the recognition information based on the authentication value included in the recognition information (615). The application 255 of the user wireless terminal 200 requests the financial information of the affiliate store stored in the address information included in the recognition information 620 and the operation server 100 transmits the financial information The application 255 of the user wireless terminal 200 provides the financial information of the merchant store stored in the storage location corresponding to the information to the app 255 of the user wireless terminal 200, (620).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 displays an interface for receiving the amount information determined by the user (or verbal agreement with the merchant) 630) and inputs the amount information through the interface (635).

If the financial information of the merchant is confirmed and the money amount information is inputted, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (E.g., extracting a user ID, a terminal identifier, or a unique identifier) that is mapped with the financial information of the user (Step 640). The user's financial information The transaction information requesting the financial transaction for payment of the merchant through the designated financial server 170 including the recognized financial information of the merchant and the amount information entered by the user is constructed 645, , The operation server 100 transmits the configured transaction information through a reverse path not involving the merchant point device 150 (650) And receives the transaction information for the financial transaction through the reverse path (655).

FIG. 7 is a diagram illustrating a process of processing a financial transaction for reverse independent settlement according to an embodiment of the present invention.

More specifically, FIG. 7 illustrates an embodiment in which the financial transaction requested in reverse through the application 255 of the user wireless terminal 200 is processed as a stand-alone type without intervention of the merchant point device 150 for payment of the merchant payment. Those skilled in the art will be able to refer to and / or modify the FIG. 7 to understand the various ways of implementing the financial transaction process (e.g., some steps are omitted or the order is changed) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 7, when transaction information for merchant payment is received from the application 255 of the user wireless terminal 200 through a reverse path, the operation server 100 confirms the financial information of the user included in the transaction information (700), or checking the financial information of the user stored in the storage medium designated by the identifier included in the transaction information (700), checking the user's financial information including the financial information of the user, financial information of the merchant, Transmits the transaction information to the designated financial server 170, and requests the financial transaction for the merchant payment (705).

The financial server 170 receives the transaction information for the financial transaction from the operation server 100, processes 710 a financial transaction corresponding to the transaction information according to a designated transaction procedure, The transaction result of the financial transaction processed through the information is generated (720), and the result information including the generated transaction result is generated (725). Meanwhile, the financial server 170 generates authentication information (for example, a disposable code and / or a hash authentication code) to be authenticated through the merchant device 150 according to an embodiment of the present invention (720) (725). The financial server 170 transmits the generated result information to the operation server 100 in operation 730 and the operation server 100 receives the result information of the financial transaction from the financial server 170 ).

The operation server 100 includes a transaction result of the financial transaction and includes authentication information to be generated at the financial server 170 and / or generated at the operation server 100 and authenticated through the merchant device 150 The application 255 of the user wireless terminal 200 transmits the result information to the application 255 of the user wireless terminal 200 and transmits the transaction result of the financial transaction and the authentication information (745), and the transaction result of the received result information may be output (750).

FIG. 8 is a diagram illustrating a process of transmitting result information of a reverse independent settlement according to an embodiment of the present invention.

More specifically, FIG. 8 illustrates an embodiment in which the result information of a financial transaction, which is processed in a stand-alone manner through a reverse path without involvement of the merchant point device 150, is transmitted to the merchant point device 150, It is possible to refer to and / or modify the FIG. 8 to infer the various methods of delivering the result information (e.g., omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, an application 255 of the user wireless terminal 200 receiving the result information of a financial transaction designated through a reverse path transmits the sound wave signal analogized through the sound wave output unit 220 to the transaction (800) a step of encoding (800) a bit string or pattern corresponding to the result information including the result and the authentication information, and performing a process of encoding the bit string or pattern corresponding to the result information by a predetermined number or more And processed so as to be analog output (805).

The merchant point device 150 processes the sound wave signal having the specified signal strength or higher including the result information (810), and performs a procedure of recognizing the encoded result information in the received sound wave signal (815). If the result information included in the sound wave signal is recognized, the merchant point device 150 performs a procedure for authenticating the validity of the authentication information included in the result information (820). If the validity of the authentication information included in the result information is not authenticated, the merchant point device 150 outputs an authentication error of the result information through the display unit 165 (at the merchant point) (825). If the validity of the authentication information included in the result information is authenticated, the franchise point device 150 transmits the authentication information to the franchise point device 150 through one or more display units 165 provided in the franchise point device 150 without directly intervening the franchise point device 150 And displays the transaction result of the financial transaction performed independently via the reverse path (830). According to the present invention, when the transaction result of the financial transaction is displayed through the display unit 165 as a result of authenticating the authentication information included in the result information at the merchant point device 150, The financial transaction that has been made in the past is actually effective.

100: operating server 105: information manager
110: information storage unit 115: information providing unit
120: Information receiving unit 125: Transaction processing unit
130: Result Offering 150: Merchant point device
160: sound wave module 165:
170: financial server 200: wireless terminal
205: control unit 210:
215: user input unit 220: sound wave output unit
225: Sound wave input unit 230:
235: Bluetooth section 240: NFC section
245a: a short distance network communication unit 245b:
250: memory part 255: app
260: information registration unit 265: information recognition unit
270: Amount input unit 275: Information configuration unit
280: Transaction requesting unit 285: Result receiving unit
290:

Claims (23)

A method executed by an application of a user wireless terminal having a camera unit and a sound wave output unit,
A first step of photographing a code image displayed on one side of a merchant point device provided in an offline merchant through the camera unit and confirming financial information of the merchant based on the recognized recognition information;
A second step of confirming the amount information inputted from the user through the interface for receiving the amount information;
A third step of transmitting transaction information including financial information of the franchisee and the input money information to a designated financial server through a designated path to request a financial transaction to be performed according to a designated transaction procedure;
A fourth step of receiving result information including a transaction result of the financial transaction through a designated path; And
And a fifth step of encoding and transmitting the result information to a sound wave signal interpretable by the merchant point device through the sound wave output unit,
The result information is transmitted to the merchant point device located near the user wireless terminal through the sound wave signal,
Wherein the transaction result is displayed through one or more display units provided in the merchant point device.
The method according to claim 1,
After installing the app in the user wireless terminal,
An input step of receiving financial information of a user to be used in a transaction from a user; And
Further comprising: a registration step of transmitting the input financial information of the user to a designated operating server and registering the input financial information in a designated storage medium.
3. The method of claim 2,
Wherein the step of inputting further includes the step of receiving user information identifying the user,
Wherein the registering step further comprises the step of transmitting the input user information to the operation server and processing to register the user information with the financial information of the user.
3. The method of claim 2,
Wherein the input step further comprises the step of receiving or extracting wireless terminal information identifying the wireless terminal from a designated medium,
Wherein the step of registering further comprises transmitting the input or extracted wireless terminal information to the operating server to process the input or extracted wireless terminal information to be mapped and registered with the user's financial information.
3. The method according to claim 2,
Further comprising the step of transmitting a unique identifier for uniquely identifying an app of the user wireless terminal to the operating server and mapping and registering the user's financial information.
3. The method according to claim 2,
Further comprising the step of transmitting a unique identifier, which is separately allocated after the application is installed in the user wireless terminal, to the operation server and mapping the user identifier to the financial information of the user.
The method according to claim 1,
Financial account information for the merchant bank account opened in the name of the merchant,
Virtual account information on the virtual account linked to the merchant's financial account,
Identification code information assigned to identify the franchisee financial account through a designated financial system,
Financial account information for the merchant main financial account opened as the merchant's main account name of the merchant,
Virtual account information on the virtual account linked to the merchant main financial account,
And identification code information allocated to identify the merchant main financial account through the designated financial system.
2. The method according to claim 1,
Capturing a code image displayed on one side of the merchant point device through the camera unit and reading the obtained image area to check the encoded information encoded in the code image;
Reading the encoding information according to a specified encoding rule and recognizing recognition information including the financial information of the merchant; And
And confirming the financial information of the merchant included in the recognition information.
2. The method according to claim 1,
Capturing a code image displayed on one side of the merchant point device through the camera unit and reading the obtained image area to check the encoded information encoded in the code image;
Reading the encoding information according to a designated encoding rule and recognizing recognition information including unique code information of a designated code scheme;
And transmitting the code information to a designated operating server and receiving financial information of the merchant registered in association with the code information.
2. The method according to claim 1,
Capturing a code image displayed on one side of the merchant point device through the camera unit and reading the obtained image area to check the encoded information encoded in the code image;
Reading the encoding information according to a designated encoding rule and recognizing recognition information including address information of a designated address system;
And accessing the server corresponding to the address information and receiving the financial information of the merchant.
The method according to claim 1,
The second step may further include inputting financial information of a user to be used for a transaction,
Wherein the transaction information further includes financial information of the user.
The method according to claim 1,
The second step further includes checking and outputting the financial information of the user who is previously registered and stored,
Wherein the transaction information further includes financial information of the user.
The method according to claim 1,
The second step may further include checking an identifier mapped to financial information of a user registered in a designated storage medium,
Wherein the transaction information further comprises the identifier.
The method according to claim 1,
And a transaction in which the amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.
2. The method of claim 1,
And a transaction identification code uniquely assigned to the user wireless terminal so as to identify a financial transaction initiated by taking a code image through a camera unit at a specific time and inputting amount information, .
16. The method of claim 15,
Wherein the transaction is used for post-inquiry or verification of the transaction result of the financial transaction at the merchant point device.
The method according to claim 1,
Wherein the result information further includes authentication information for authenticating the validity of a transaction result of the financial transaction through the merchant point device,
Wherein the authentication information is transmitted to the merchant device and authenticated.
18. The method according to claim 17,
And a disposable code dynamically generated by the financial server so as to be authentic through the merchant point device.
18. The method according to claim 17,
And a disposable code dynamically generated by the operating server on the designated route so as to be authentic through the merchant point device.
18. The method according to claim 17,
And a disposable code dynamically generated by the user wireless terminal so as to be authentic through the merchant point device.
18. The method according to claim 17,
And a hash verification code generated by hashing at least one specified information included in the result information in the financial server.
18. The method according to claim 17,
And a hash verification code generated by hashing one or more specified information included in the result information by the operation server on the designated path.
18. The method according to claim 17,
And a hash authentication code generated by hashing the at least one specified information included in the result information at the user wireless terminal.

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