KR20180086361A - Method for Providing Independent Payment in Reverse Direction - Google Patents

Abstract

According to a method for providing an independence payment in a reverse direction of the present invention, a method of being executed by an app of a user wireless terminal having a near field communication (NFC) unit and a sound wave input unit comprises the following steps of: identifying financial information of an offline affiliated store based on recognition information recognized by interfacing with an NFC module of an affiliated store device installed in the offline affiliated store through the NFC unit; identifying information on the amount of money spoken by a user by recognizing a voice signal in a sound wave signal inputted through the sound wave input unit; requesting a financial transaction to be made according to a designated transaction procedure by transmitting transaction information including the financial information of the affiliated store and the identified information on the amount of money to a designated financial server through a designated path; receiving result information including a transaction result of the financial transaction through the designated path; and transmitting the result information to the affiliated store device by forming an NFC interface with the affiliated store device through the NFC unit, wherein the result information is transmitted to the affiliated store device located at a close distance of the user wireless terminal through the NFC interface and the transaction result is displayed through one or more display units installed in the affiliated store device.

Description

{Method for Providing Independent Payment in Reverse Direction}

In the present invention, the user wireless terminal interfaces with the NFC module of the merchant point device provided at the offline merchant to recognize the financial information of the merchant, confirm the amount information based on the voice recognition uttered by the user, Through the NFC interface formed through the NFC (Near Field Communication) unit of the user wireless terminal after receiving the transaction result of the financial transaction through the reverse path in the user wireless terminal after requesting the financial transaction through the NFC interface, And independently processes the payment of the merchant through the user wireless terminal without intervention of the merchant 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 that recognizes financial information of a merchant by interfacing with an NFC module of a merchant point device provided at an offline merchant, And transmits a transaction result of the financial transaction to the user wireless terminal through a reverse path after requesting a financial transaction through a reverse path not passing through the merchant point device, ) Unit of the merchant through the NFC interface formed by the merchant unit and displaying the merged merchandise to the merchant unit, thereby processing the settlement of the merchant independently through the user wireless terminal without involvement of the merchant unit.

A method of performing a reverse independent payment method according to the present invention is a method executed by an application of a user wireless terminal having an NFC (Near Field Communication) unit and a sound wave input unit, the method comprising: A second step of recognizing the financial information of the merchant based on the recognized recognition information, and a second step of recognizing the sound signal among the sound wave signals input through the sound wave input unit and confirming the amount information of the user, A third step of transmitting transaction information including the financial information of the merchant and the confirmed amount information to a designated financial server through a designated path and requesting the financial transaction to be performed according to a designated transaction procedure; A fourth step of receiving result information including a transaction result, and a fourth step of receiving, via the NFC unit, And a fifth step of forming an NFC interface with the device and transmitting the result information to the merchant point device, wherein the result information is transmitted to the merchant point device located at a close distance of the user wireless terminal through the NFC interface, And the transaction result is displayed through one or more display units provided in the merchant point device.

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.

In the reverse independent payment method according to the present invention, the first step includes: recognizing recognition information including financial information of the merchant through an interface with the NFC module of the merchant apparatus through the NFC unit; And confirming the financial information of the franchisee.

In the reverse independent payment method according to the present invention, the first step is a step of interfacing with the NFC module of the merchant point device through the NFC unit, recognizing the unique code information of the designated code system mapped with the financial information of the merchant And receiving the financial information of the merchant registered in association with the code information by transmitting the code information to a designated operating server.

In the reverse independent payment method according to the present invention, the first step may include receiving, by the NFC unit, identification information including address information of a designated address system, which interfaces with the NFC module of the merchant point device and stores financial information of the merchant And receiving financial information of the merchant by accessing a server corresponding to the address information.

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.

The resultant information may be used by the user wireless terminal to interface with the NFC module of the merchant terminal through the NFC unit at a specific point in time and to check the amount information to identify the financial transaction to be initiated. And a unique transaction ID 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 interfaces with the NFC module of the merchant point device provided at the offline merchant to recognize the financial information of the merchant and confirm the amount information based on the speech recognition uttered by the user, Through the NFC interface formed through the NFC (Near Field Communication) unit of the user wireless terminal after receiving the transaction result of the financial transaction through the reverse path after requesting the financial transaction through the reverse path and performing settlement processing, And notifies the merchant terminal device of the fact that the merchant device is not operated in real time through the network and is not only secured through the financial transaction performed independently via the reverse route through the user wireless terminal without involving the merchant point device in the reverse payment process, And convenient There is an advantage to the merchant payment processing.

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 diagram illustrating a functional configuration of a user wireless terminal 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 embodiments of the preferred combination type among the many embodiments of the present invention, and the embodiments that omit specific configurations (or steps) in the following embodiments, An embodiment that divides an implemented function into a specific configuration (or a step), or an embodiment that integrates functions implemented in two or more configurations (or steps) into any one configuration (or step) It is clear that the embodiments that replace the operation order and the like belong to the scope of the present invention unless otherwise mentioned in the following embodiments. 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, and these may vary depending on the resultant, such as 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.

In more detail, FIG. 1 illustrates a method of recognizing financial information of a merchant by interfacing with an NFC module 155 of a merchant point device 150 provided at an offline merchant in a user wireless terminal and checking the amount information based on voice recognition uttered by the user And transmits a transaction result of the financial transaction to the user wireless terminal through a reverse path, and transmits the transaction result of the financial transaction to the NFC of the user wireless terminal (Near Field Communication to the merchant unit 150 through the NFC interface formed through the Field Communication Unit to thereby process payment of the merchant independently through the user wireless terminal without involvement of the merchant unit 150 , Those skilled in the art will be able to refer to this Figure 1 and / or (E.g., some of the components may be omitted, or broken down, or combined) to the configuration of the system for providing the reverse independent settlement, the present invention is not limited to this analogy And the technical features thereof are not limited only by the method shown in FIG.

The system of the present invention includes a merchant point device 150 provided at an offline merchant point, a user wireless terminal having a user who visits the offline merchant point, and a user wireless terminal that communicates with the user wireless terminal, And a financial server 170 that processes the financial transactions requested through the reverse path at the user wireless terminal.

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 method of the present invention, the merchant point device 150 can use one of the two-way proximity wireless communication, the full-duplex proximity wireless communication, and the half-duplex proximity wireless communication using the NFC-based radio frequency signal at a specified proximity distance (e.g., And an NFC module 155 for processing the proximity wireless communication described above. Preferably, the NFC module 155 can operate in a reader mode, a tag mode, or a bidirectional communication mode.

According to the embodiment of the present invention, the NFC module 155 of the merchant point device 150 forms an NFC interface with the NFC unit 240 of the user wireless terminal, and transmits the encoding information designated by the NFC interface to the user wireless terminal .

According to the embodiment of the present invention, the NFC module 155 of the merchant point device 150 can provide the encoding information including the financial information of the merchant to the user wireless terminal through NFC. Or the NFC module 155 of the merchant point device 150 may provide encoding information including code information mapped to financial information of the merchant to the user wireless terminal through NFC. Or the NFC module 155 of the merchant point device 150 may provide encoding information including address information of the financial information of the merchant to the user wireless terminal through NFC.

The NFC module 155 of the merchant point device 150 has a function of forming an NFC interface with the NFC unit 240 of the user wireless terminal and a function of specifying one or more designated And a function of electronically displaying the recognized information through the display unit 165. [

The NFC module 155 of the merchant point device 150 may recognize predetermined result information by interfacing with the NFC unit 240 of the user wireless terminal, And may electronically display the transaction result of the specified financial transaction included in the recognized result information through the one or more designated display portions 165. [

The user wireless terminal 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 preferably includes a wireless terminal such as a cell phone, a smart phone, a tablet PC, The 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 includes an NFC unit 240 capable of interfacing with an NFC module 155 of the merchant point device 150 through an NFC.

According to the embodiment of the present invention, the application 255 installed in the user wireless terminal interfaces with the NFC module 155 of the merchant device 150 through the NFC unit 240 of the wireless terminal, The credit information of the merchant is recognized and the money information is confirmed by recognizing the voice from the user. Then, through the designated reverse path, the transaction information including the financial information of the merchant and the money information is transmitted to the designated financial server 170 And a function of processing such that the financial transaction is carried out. Meanwhile, the application 255 of the user wireless terminal 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, and transmits the result information including the transaction result of the financial transaction to the NFC unit 240 The NFC module 155 of the merchant point device 150 recognizes the result information through the NFC and transmits the result information through the display unit 165 of the merchant point device 150 And display it.

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 operation server 100 is a collective term for a functional configuration to be implemented on the server side in order to perform a reverse independent settlement according to the present invention and preferably includes one or more servers provided on a path between a user wireless terminal and a designated financial server 170 . For example, the operation server 100 includes a server provided in a relay agency relaying a user's wireless terminal and a financial server 170 of a financial company, or a server provided in a financial institution operating the financial server 170 Or may be implemented as a server, such as financial server 170, depending on the method of implementation, and is not limited to a particular physical server.

1, when the financial information of an affiliate store is not directly provided through the NFC module 155 of the affiliate store device 150, the operation server 100 transmits the NFC module 155 of the affiliate shop device 150, And an information management unit 105 for registering, storing, and managing financial information of a merchant to be confirmed through a user wireless terminal that interfaces with the user.

When the financial information of the franchisee is not directly provided through the NFC module 155 of the franchisee pointing device 150, the information management unit 105 transmits a user wireless terminal that interfaces with the NFC module 155 of the franchisee pointing device 150 The financial information of the merchant to be confirmed through the registration can be stored and managed on the designated storage medium.

According to the first information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may directly encode the financial information of the merchant, and in this case, the application 255 May interface with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the financial information of the merchant provided by the merchant point device 150. [

According to the second information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may include code information unique to the designated code system, As shown in FIG. In this case, the information management unit 105 stores the code information included in the encoding information provided by the merchant device 150 through the NFC and the financial information of the merchant from the designated operating terminal in association with the designated storage medium And the app 255 of the user wireless terminal interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the code information provided by the merchant point device 150, And may request financial information associated with 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.

According to the third information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may include address information of a specified address system, and the address information may store the financial information of the merchant And the storage location of the storage medium. In this case, the information management unit 105 registers the financial information of the franchisee from the designated operating terminal and stores the financial information in the storage location corresponding to the address information included in the encoding information provided through the NFC at the merchant point device 150 The app 255 of the user wireless terminal interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the address information provided by the merchant point device 150, And may request the financial information stored in the address information. 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.

According to the fourth information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may be at least partially combined with at least two embodiments among the first to third information recognition embodiments In which case the information manager 105 stores information corresponding to the combined embodiment and responds in response to a request from the app 255 of the user wireless terminal to the app 255 of the user wireless terminal 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 transmit the remaining information to the user wireless terminal It can be processed to be provided to the terminal's app 255.

According to another embodiment of the present invention, the amount information for reverse independent settlement is stored in the server side (e.g., the operation server 100 or the like), and then, before the financial information of the merchant is confirmed in the app 255 of the user wireless terminal The information management unit 105 may register the amount information with the application 255 of the user wireless terminal at a certain point in time. For example, in the case where the backward stand-alone settlement of the present invention pays a flat rate (for example, valet parking fee, ticket price, etc.), the information management unit 105 registers the amount information corresponding to the flat rate, Can be stored. When requesting the amount information in cooperation with the procedure for confirming the financial information of the merchant in the user wireless terminal 255 or requesting the amount information before or after confirming the financial information of the merchant, May check the stored amount information and provide it to the app 255 of the user wireless terminal.

Meanwhile, according to another embodiment of the present invention, the amount information for the reverse independent settlement may be transmitted to the server side (for example, the operating server 260) at a time before, during, or after the confirmation of the financial information of the merchant in the app 255 of the user wireless terminal. The information management unit 105 may determine the amount of money to be used for calculating the amount of money (for example, the unit price for each item, Discount rate, discount rate, discount rate, etc.) for each product. When the app 255 of the user wireless terminal requests the amount information (or requests the amount information by setting the amount calculation condition (for example, the purchase amount, the discount condition, etc.) in conjunction with the procedure of confirming the financial information of the merchant) The information providing unit 115 may calculate the amount information based on the amount calculation information (or calculate the amount information by combining the amount calculation condition and the amount calculation information) and provide the amount information to the application 255 of the user wireless terminal have.

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 application 255 of a user wireless terminal and storing the registered information in a designated storage medium do.

When the application 255 assigned to the user wireless terminal is installed and executed for the first time (or before execution of information registration), the application 255 of the user wireless terminal performs a procedure of registering one or more pieces of information designated to be registered for backward- can do.

According to the first information registration embodiment of the present invention, the application 255 of the user wireless terminal can register the user's financial information for the backward stand-alone payment. Preferably, the application 255 of the user wireless terminal receives the financial information of the user to be used for the transaction from the user, transmits the inputted 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 application 255 of the user wireless terminal and transmits the financial information to the designated storage medium (for example, the operation 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 directly receives the key input of the user's financial information in the reverse independent payment of the present invention, the application 255 of the user wireless terminal may omit the procedure of registering the user's financial information The present invention is not limited thereto. Alternatively, the application 255 of the user wireless terminal may receive the user's financial information and store the user's financial information in a designated storage area of the user wireless terminal. In this case, the user's financial information stored in the designated storage area is 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 application 255 of the user wireless terminal can register user information (e.g., user's name, date of birth, gender identifier, etc.) identifying the user. Preferably, the application 255 of the user wireless terminal receives user information identifying the user at a specified point in time before, during, or after the 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 user information in a designated storage medium (e.g., a storage medium of the operating server 100, (For example, user information 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, Linked registration). 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 and store the user identifier in a designated storage area of the user wireless terminal. 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 may acquire wireless terminal information (for example, before installing the application 255 in the user wireless terminal, Assigned mobile phone number, etc.). Preferably, the application 255 of the user wireless terminal receives the wireless terminal information for identifying the user wireless terminal at a specified point in time before, during, or after the registration of the user's financial information, And transmits the wireless terminal information of the input / extracted user wireless terminal to the operation server 100. The information storage unit 110 maps the financial information of the user 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 of the separate storage media (e.g., The user financial information is stored in a storage medium of the financial institution 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 application 255 of the user wireless terminal may uniquely identify the application 255 installed in the user wireless terminal after the application 255 is installed in the user wireless terminal It is possible to register a unique identifier that is uniquely assigned so as not to be duplicated. Preferably, the application 255 of the user wireless terminal generates or otherwise allocates a unique unique identifier unique to the user wireless terminal to uniquely identify the installed application 255, and stores the unique identifier in a designated storage area of the wireless terminal And transmits the generated / assigned unique identifier to the operation server 100 (if the unique identifier is allocated by the operation server 100, the transmission process may be omitted) The unique identifier identifying the app 255 of the user wireless terminal and the user's financial information are mapped and stored in a designated storage medium (for example, mapping and storing the user's financial information and unique identifier to the storage medium of the operation server 100) (For example, a unique identifier is stored in the storage medium of the operation server 100 and user financial information is stored in a storage medium of a financial institution) It may be stored to register) associated with the specified identifier.

According to the fifth information registration embodiment of the present invention, the app 255 of the user wireless terminal separately identifies the user wireless terminal installed with the app 255 after the app 255 is installed in the user wireless terminal, It is possible to register a unique identifier that is uniquely assigned so as not to be duplicated. Preferably, the application 255 of the user wireless terminal generates or assigns a unique unique non-unique identifier for separately identifying the user wireless terminal installed with the application 255 after the user wireless terminal is installed in the user wireless terminal And stores the generated 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 allocated by the operation server 100, the transmission process can be omitted) The information storage unit 110 maps the financial information of the user and a unique identifier that uniquely identifies the user wireless terminal installed with the application 255 and stores the same in a designated storage medium (e.g., storage medium of the operating server 100) (For example, the unique identifier is stored in the storage medium of the operation server 100), or a linkage registration The high-user financial information may be stored in a storage medium of a financial institution, but stored in association with a designated identifier).

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 and a part is stored in a server-side storage medium), or a form in which at least two or more of the first to fifth information registration embodiments are at least partially combined So that various information necessary for reverse independent settlement can be registered and stored, and thus the present invention is not limited thereto.

1, the operation server 100 interfaces with the NFC module 155 of the merchant device 150 via the NFC unit 240 and the recognition information recognized by the application 255 of the user wireless terminal, And provides the financial information of the merchant to the app 255 of the user wireless terminal when requesting the financial information of the merchant. On the other hand, if the financial information of the merchant is registered and stored in the operating server 100, the financial information of the merchant stored through the app 255 of the user wireless terminal is checked and output through the app 255 of the user wireless terminal The information providing unit 115 may provide only the result of checking the financial information of the merchant without providing the financial information of the merchant to the app 255 of the user wireless terminal, It is not limited.

When the financial information of the merchant is directly encoded in the encoding information provided through the NFC in the merchant point device 150 according to the first information recognition embodiment of the present invention, the app 255 of the user wireless terminal transmits the NFC unit 240 The financial information of the franchisee can be confirmed from the recognized information by interfacing with the NFC module 155 of the merchant point device 150. In this case, the information provider 115 may be omitted.

If the code information associated with the financial information of the merchant is encoded in the encoding information provided through the NFC in the merchant point device 150 according to the second information recognition embodiment of the present invention, The information providing unit 115 can interfere with the NFC module 155 of the merchant point device 150 through the communication unit 240 and confirm the code information from the recognized recognition information and transmit it to the operation server 100. In this case, After receiving the code information from the app 255 of the user wireless terminal and confirming the financial information of the merchant stored in association with the code information and then checking the financial information of the merchant (or the financial information of the merchant as a result of confirming the financial information of the merchant) (E.g., result information including an identifier that identifies information) to the app 255 of the user wireless terminal, and the app 255 of the user wireless terminal may transmit the financial information of the merchant You can receive the results confirm the financial information of the merchant information).

Meanwhile, according to the third information recognition embodiment of the present invention, when the address information corresponding to the storage location where the financial information of the merchant is stored is encoded in the encoding information provided by the merchant device 150 through the NFC, The control unit 255 may request the financial information of the merchant stored in the address information by checking the address information from the recognized identification information by interfacing with the NFC module 155 of the merchant device 150 through the NFC unit 240, The information providing unit 115 may process the financial information of the affiliated store stored in the address information with the application 255 of the user wireless terminal and the application 255 of the user wireless terminal may transmit the financial information of the affiliated store .

Meanwhile, according to another embodiment of the present invention, the user's financial information is transmitted through an identifier (for example, at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information) The information providing unit 115 can check the financial information of the user mapped with the identifier and provide the same to the app 255 of the user wireless terminal.

1, the operation server 100 interfaces with the NFC module 155 of the merchant device 150 to receive financial information of the merchant based on recognition information recognized by the application 255 of the user wireless terminal Recognizes a voice uttered by the user, confirms the amount information, and transmits transaction information including the financial information of the merchant and the amount information to request a financial transaction, A transaction processor for processing the financial transaction corresponding to the transaction information through the designated financial server 170; and a transaction server for processing the transaction result of the financial transaction through the financial server 170 And provides result information to the app 255 of the user wireless terminal.

The app 255 of the user wireless terminal checks the financial information of the merchant based on the recognition information recognized by interfacing with the NFC module 155 of the merchant point device 150, recognizes the voice uttered by the user, (Or may include an identifier mapped to the financial information of the merchant) and transaction information including the amount information, and transmits the transaction information to the operating server 100. The information receiving unit 120 And receives the transaction information from the app 255 of the user wireless terminal.

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 amount information. Preferably, the application 255 of the user wireless terminal receives the user's financial information or identifies the user's financial information stored in a designated storage area of the user wireless terminal, The transaction information including the financial information of the merchant, the money amount information, and the financial information of the user, and transmits the transaction information to the operation server 100, (120) receives 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.

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 may include financial information of the merchant, And an identifier that identifies the user. Preferably, the app 255 of the user wireless terminal includes an identifier (e.g., a user identifier, a terminal identifier, an identifier corresponding to at least one or a combination of two or more of the separately generated / assigned unique identifiers) And transmits the transaction information including the financial information of the merchant, the money amount information, and the identified identifier to the operation server 100, and the information receiving unit 120 transmits the transaction information including the financial information of the merchant, The transaction information including the financial information of the franchisee, the money amount information, and the identifier is received from the affiliated store.

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 checks the financial server 170 to process the financial transaction corresponding to the transaction information. According to the first transaction information embodiment, when the transaction information includes the user's financial information, the transaction processing unit 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 for identifying the user's financial information according to the second transaction information embodiment, the transaction processing unit may include a financial server 170 of the financial institution corresponding to the user's financial information mapped with the identifier, . Meanwhile, according to the embodiment, the transaction processing unit can identify the financial server 170 that will process the financial transaction with the designated financial system (for example, the banking cooperative open platform of the KFTC), and thus the present invention is not limited thereto.

The transaction processing unit 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 confirms the financial information of the user mapped with the identifier from the storage medium and transmits the transaction information including the confirmed user's financial information to the financial server 170 to perform a financial transaction according to a designated transaction procedure . If the financial information of the user mapped with the identifier is stored in the storage medium of the financial server 170, the transaction processor transmits the transaction information including the identifier to the financial server 170, Financial transactions can be processed.

The result sieving unit 130 confirms the result information including the transaction result of the financial transaction requested by the transaction processing unit in cooperation with the financial server 170 and transmits the result information to the application 255 of the user wireless terminal Can be provided.

According to the embodiment of the present invention, the result information is interfaced with the NFC module 155 of the merchant device 150 through the NFC unit 240 at a specific time in the user wireless terminal, And may include uniquely assigned transaction identification codes to avoid duplication. The transaction identification code may be assigned through at least one of the user wireless terminal's app 255, the transaction processor, or the financial server 170, An event for interfacing with the NFC module 155 of the merchant unit 150 through the NFC unit 240 of the user wireless terminal, an event for confirming the financial information of the merchant using the NFC, and a voice uttered by the user, An event for confirming the amount information (or an event for confirming the amount information on the server side), an event for requesting a transaction procedure by transmitting the transaction information, and an identification code newly assigned by the combination of two or more . According to the embodiment of the present invention, the transaction identification code is used to post-inquire the transaction result of the financial transaction independently performed in the reverse direction through the user wireless terminal without the intervention of the merchant device 150, Or verification of the results.

According to the embodiment of the present invention, the result information can be used to authenticate that the merchant device 150 is a transaction result of a legitimate financial transaction performed independently in the reverse direction through the user wireless terminal through the transaction result included in the result information 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 device 150. In this case, The result server 130 may dynamically generate a disposable code and provide the resultant information to the operation server 100. The result server 130 may further include the disposable code from the financial server 170 And provides the result information to the application 255 of the user wireless terminal. The application 255 of the user wireless terminal may transmit the result information to the affiliate store device 150 according to a specified procedure after receiving the result information further including the one-time code, And the validity of the one-time code included in the result information is received, so that the transaction result included in the result information can be verified through the user wireless terminal in a reverse transaction without any intervention, Can be authenticated. 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 operating server 100 so as to be authentic through the merchant device 150, The studying unit 130 may dynamically generate a disposable code to be included in the result information, and may transmit the disposable code to the result information to be provided to the application 255 of the user wireless terminal. The application 255 of the user wireless terminal may transmit the result information to the affiliate store device 150 according to a specified procedure after receiving the result information further including the one-time code, And the validity of the one-time code included in the result information is received, so that the result of the transaction included in the result information is transmitted to the user wireless terminal in the reverse direction without being intervened, Can be authenticated. Meanwhile, the result sieving 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 so as to be authentic through the merchant device 150. In this case, 130 provides the result information to an app 255 of the user wireless terminal, the app 255 of the user wireless terminal dynamically generates a one-off code to be included in the result information, To the merchant point device 150. The merchant point device 150 receives the result information and authenticates the validity of the one-time code included in the result information, It can be verified that the result is a valid transaction result of a financial transaction performed independently and effectively through the user wireless terminal in the reverse direction without its intervention. Meanwhile, at least one fixed seed for generating the one-time code may be set in the app 255 of the user wireless terminal.

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 one or more specified information included in the result information to dynamically generate a hash authentication code and provide the resultant information to the operation server 100, 130 may receive the result information including the hash authentication code from the financial server 170 and provide it to the application 255 of the user wireless terminal. The application 255 of the user wireless terminal may receive the result information further including the hash authentication code and may transfer the result information to the merchant point device 150. The merchant point device 150 may receive the result information, By authenticating the validity of the hash verification code included in the result information, it is possible to authenticate that the transaction result included in the result information is a valid transaction result of the financial transaction performed independently and effectively without being intervened in the reverse direction through the user wireless terminal .

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 body 130 dynamically generates a hash authentication code by hashing at least one specified information included in the result information and includes the hash authentication code in the result information to be provided to the app 255 of the user wireless terminal Lt; / RTI > The application 255 of the user wireless terminal may receive the result information further including the hash authentication code and may transfer the result information to the merchant point device 150. The merchant point device 150 may receive the result information, By authenticating the validity of the hash verification code included in the result information, it is possible to authenticate that the transaction result included in the result information is a valid transaction result of the financial transaction performed independently and effectively without being intervened in the reverse direction through the user wireless terminal .

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, If the study 130 provides the result information to the app 255 of the user wireless terminal, the app 255 of the user wireless terminal hashes the one or more specified information contained in the result information to generate a hash authentication code dynamically The merchant device 150 may transmit the result information including the hash authentication code to the merchant point device 150. The merchant point device 150 may receive the result information and then verify the validity of the hash authentication code included in the result information So that the transaction result included in the result information is validated independently and effectively without reverse intervention through the user wireless terminal You can verify that you are trading results.

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

In more detail, FIG. 2 illustrates a configuration of a user wireless terminal equipped with an application 255 for processing a backward standalone payment, and is a person skilled in the art to which the present invention pertains. The present invention may be embodied in all of the above envisioned modes of operation and is not limited to the technical features shown in FIG. It is not limited.

2, the user wireless terminal includes a control unit 205, a memory unit 250, a screen output unit 210, a user input unit 215, a sound output unit 220, 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 has a battery for power supply.

The control unit 205 is a collective term for controlling the operation of the wireless terminal, and includes at least one processor and an execution memory, and is connected to each component provided in the wireless terminal through a bus (BUS) . According to the present invention, the control unit 205 loads at least one program code included in the wireless terminal into the execution memory through the processor, and transfers the result to at least one component through the bus And controls the operation of the wireless terminal. 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 a human hearing and may include a sound wave code obtained by coding a specified beat or pattern And may include sonic signals.

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 signal inputted through the sound wave input unit 225 may include a sound signal including a sound wave encoded by a specified beat or pattern according to an implementation 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 short-range network communication unit 245a are collectively referred to as communication resources for connecting the wireless terminal to a designated communication network. Preferably, the wireless terminal 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 communication resources for connecting the user wireless terminal to a wireless communication network via a base station, and includes an antenna, an RF module, a baseband module, a signal processing module And is connected to the control unit 205 to transmit the calculation result corresponding to the radio communication among the various calculation results of the control unit 205 through the wireless communication network or receive the data through the wireless communication network, 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 a user wireless terminal to a call network including a call channel and a data channel via the exchange, and in some cases, To a data network providing 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 collectively refers to a communication resource for connecting a communication session using a radio frequency signal as a communication medium at a predetermined short distance (for example, about 30 m) and connecting the wireless terminal to the communication network based on the communication session, May connect the wireless terminal 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 wireless terminal to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader is a generic name for exchanging at least one data set with a universal subscriber identity module mounted or detached from the wireless terminal based on the ISO / IEC 7816 standard. The data set includes an APDU (Application Protocol Data Unit). The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit, a program code for at least one IC chip, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the wireless terminal, or extracts (or processes) the data set and transmits the program code to the input / output interface Processor.

The user wireless terminal 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 and loads the application 255 to the control unit 205 do.

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

The information registering unit 260 may perform a procedure of registering one or more pieces of information designated to be registered for backward standalone payment when the app 255 of the user wireless terminal is initially driven (or before the information registration).

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 and may transmit the financial information of the user to the designated storage medium (e.g., storage medium of the operation server 100, 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, when the user's financial information is directly input in the application 255 of the user wireless terminal in 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. In this case, the user can extract and use the financial information of the user stored in the designated storage area have.

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 and store the user identifier in a designated storage area of the user wireless terminal. 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 registering unit 260 registers wireless terminal information identifying the user wireless terminal (for example, Number, etc.) can be registered. Preferably, the information registration unit 260 receives the wireless terminal information identifying the user wireless terminal at a predetermined point in time before, during, or after the registration of the user's financial information, or extracts from the designated medium (e.g., USIM, etc.) And transmits the wireless terminal information of the input / extracted user wireless terminal to the operation server 100. The operation server 100 maps the user's financial information and the wireless terminal information and stores the information in a designated storage medium (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 of the storage media separated from each other (e.g., Stored in a storage medium, 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 may not separately duplicate the application 255 installed in the user wireless terminal after the application 255 is installed in the user wireless terminal It is possible to register a unique identifier that is uniquely assigned. Preferably, the information registering unit 260 generates or allocates a unique unique identifier unique to the user wireless terminal to uniquely identify the installed application 255, stores the unique identifier in a 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) Maps the financial information of the user with a unique identifier that uniquely identifies the application 255 and stores it in a designated storage medium (e.g., maps and stores the user's financial information and unique identifier to the storage medium of the operating 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 the storage medium of the financial institution, It can be saved to be registered) in conjunction with specific characters.

According to the fifth information registration embodiment of the present invention, the information registration unit 260 separately registers the user wireless terminal installed with the app 255 after the app 255 is installed in the user wireless terminal, It is possible to register a unique identifier that is uniquely assigned so as not to be duplicated. Preferably, the information registration unit 260 generates a unique unique identifier unique to the user wireless terminal installed in the user wireless terminal and installed the application 255, 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) (100) stores a unique identifier for uniquely identifying a user wireless terminal installed with the application (255) and the financial information of the user, 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 and is stored in the storage area of the management server 100) The financial information may be stored in a storage medium of a financial institution, but stored in association with the designated identifier.

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 An embodiment in which some are stored in a user wireless terminal and some are stored in a server-side storage medium), or a form in which at least two or more of the first to fifth information registration embodiments are at least partially combined It is possible to perform a procedure of registering various kinds of information necessary for reverse independent settlement, and thus the present invention is not limited thereto.

Referring to FIG. 2, the application 255 of the user wireless terminal interfaces with the NFC module 155 of the affiliate shop device 150 provided at the offline merchant through the NFC unit 240, And an information recognition unit 265 for confirming the financial information of the franchisee.

An offline merchant providing reverse independent settlement according to the present invention includes an NFC module 155 for interfacing with an NFC unit 240 of a user wireless terminal and is capable of electronically displaying a transaction result included in the recognized result information And a franchise point device 150 having the display unit 165 described above. 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 obtains the usage rights of the NFC unit 240 of the user wireless terminal to activate the NFC function and transmits the NFC function to the NFC module 155 of the merchant point device 150 through the NFC unit 240. [ And confirms the financial information of the franchisee based on the recognition information recognized by the interface.

According to the first information recognition embodiment of the present invention, the financial information of the franchisee can be directly encoded in the encoding information provided through the NFC module 155 in the merchant point device 150. In this case, the information recognizing unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the financial information of the merchant, The financial information of the included merchant can be confirmed. 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, the recognition information includes a dynamic authentication value (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) for authenticating the validity of the financial information of the merchant 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. Alternatively, the recognition information may be a dynamically generated one-time authentication value (e.g., one or more fixed seeds pre-exchanged with the authentication side in the specified code generation algorithm) to dynamically determine the validity of the financial information of the merchant The one-time authentication value is included in the transaction information, and then transmitted to the merchant device 150, which has shared the fixed seed on the merchant point device 150 side. (E.g., the operating server 100, the financial server 170, or a separate designated authentication server).

According to the second information recognition embodiment of the present invention, the encoding information provided through the NFC module 155 in the merchant point device 150 may include unique information that uniquely identifies the financial information of the merchant registered through the information registration unit 260 One code information can be encoded. In this case, the information recognition unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the unique code information of the designated code scheme, And transmits the code information to the operation server 100 to receive financial information of the merchant registered in association with the code information. 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, the recognition information may include a dynamic authentication value generated to authenticate the validity of the code information. In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, And can be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, 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 is included in the transaction information and then transmitted to the merchant device 150 side It can be authenticated through the server side that shared the fixed seed.

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 encoding information provided through the NFC module 155 in the merchant point device 150 includes a storage location for storing financial information of the merchant registered through the information registration unit 260, Can be encoded. In this case, the information recognizing unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the address information of the designated address system, (For example, the operation server 100 or the like) corresponding to the financial information of the merchant. 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, the recognition information may include 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, And can be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, the recognition information may include a dynamically generated one-time authentication value to authenticate the validity of the address information. In this case, the one-time authentication value is included in the transaction information and then transmitted to the merchant device 150 side It can be authenticated through the server side that shared the fixed seed.

According to the fourth information recognition embodiment of the present invention, the encoding information provided through the NFC module 155 in the merchant point device 150 may include at least two of the first to third information recognition embodiments at least partially Can be encoded. In this case, the information recognizing unit 265 can check the financial information of the franchisee based on the recognition information obtained by interfacing with the NFC module 155 of the merchant point device 150 through the NFC unit 240.

Referring to FIG. 2, the app 255 of the user wireless terminal includes an amount confirmation unit 270 for recognizing a voice signal among sound wave signals input through the sound wave input unit 225 and confirming the amount information of the user, An information constructing unit 275 configuring transaction information including the financial information of the merchant and the money amount information, and the transaction information configured by the designated reverse path to the financial server 170, And a transaction request unit 280 for requesting a financial transaction to be performed.

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 confirmation unit 270 determines whether the user himself / herself The user can display an interface for verifying the amount information agreed verbally with the merchant. For example, the amount confirmation unit 270 may include a voice recognition interface (e.g., a screen displaying a microphone image) for recognizing a voice uttered by the user through the sound wave input unit 225 and confirming the amount information, May be displayed. Alternatively, the amount confirmation unit 270 may display an interface for receiving (for example, touch input or key input) the amount information in addition to the voice recognition interface according to the execution method, It is not necessary to display a separate interface for the above.

The money confirming unit 270 checks the financial information of the merchant through the information recognizing unit 265 and displays the financial information of the merchant through the sound input unit 225 (For example, sound wave data to be buffered) inputted through a voice recognition unit (not shown) to check whether a segmented voice signal having been uttered through the vocal cords of a person is input, and reads out a voice signal when the voice signal is inputted (E.g., a detected word is matched with a word that has uttered a numeral, or a detected word is a numeral of a numeral) And a unit of currency unit), and when the detected word is matched with a money word, It can be identified by recognition information. On the other hand, if the amount information is not confirmed through speech recognition, the amount confirmation unit 270 can receive the amount information through the interface for receiving the amount of money, Or more.

According to the embodiment of the present invention, the money amount checking unit 270 checks the amount of money received from the wireless terminal (or the application 255) through the sound wave input unit 225 when the app 255 is first driven (or before speaker registration) The voice characteristic information of the user is repeatedly inputted a predetermined number of times or more, and the voice characteristic information of the user is extracted and stored in the designated storage area. Then, in the voice recognition of the money information, The user can authenticate that the amount information is recognized through the speech signal of the user himself or herself. In this case, when the speaker authentication is successful, the amount information can be validated.

Meanwhile, according to another embodiment of the present invention, the money amount confirmation unit 270 may transmit money amount information (for example, money amount information) transmitted from a server side (e.g., the operation server 100 or the like) The amount information which is responsive to the user input or pushed to the app 255 of the user wireless terminal as a result of the user input or the user wireless terminal through the sensor or equipment provided in the specific space, Or the amount information pushed to the application 255), or the amount confirmation unit 270 requests the amount information to the designated server side (e.g., the operation server 100 or the like) for backward standalone settlement, Lt; / RTI > In this case, the server side confirms and pushes the pre-registered amount information, or transmits the amount information to be paid through the specified amount calculation information based on the amount calculation condition provided while requesting the amount information from the app 255 of the user wireless terminal And the amount confirmation unit 270 can receive the amount information to be pushed / transmitted from the server side and confirm it as the amount information for backward stand-alone payment. At this time, it is preferable that the merchant device 150 does not operate in real time (i.e., transmits money information independently determined on the server side) in order to transmit the money amount information on the server side, but is not limited thereto.

When the financial information of the merchant is confirmed through the information recognizing unit 265 and the money information is confirmed through the money checking unit 270, the information forming unit 275 registers the financial information of the merchant, And configures the transaction information for requesting the transaction through the reverse path. 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.

On the other hand, when the user's financial information is stored in the designated storage area of the user wireless terminal, the information construction unit 275 extracts the stored financial information of the user and inserts the extracted financial information of the user into the transaction information have.

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.

When the transaction information including the financial information of the merchant and the amount 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 transaction server 280 transmits the transaction information configured to the operation server 100 via 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 The financial server 170 requests the financial transaction to be performed 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.

According to the embodiment of the present invention, the result information may include a transaction identification code (ID) for uniquely identifying the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal without intervention of the merchant point device 150 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 application 255 of the user wireless terminal includes a result reception unit 285 that receives result information including a transaction result of the financial transaction on a designated reverse path, And a result transmitting unit 290 for forming an NFC interface with the merchant point device 150 via the network and transmitting the result information to the merchant point device 150.

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 acquires the usage right of the NFC unit 240 of the user wireless terminal to activate the NFC interface function and preferably activates the function of transmitting the information of the designated length through the NFC. For example, the result transmitter 290 may activate the tag function of the NFC unit 240 or activate the notch function.

According to the embodiment of the present invention, the result transmitter 290 encodes the result information in the NFC interface function of the NFC unit 240, so that the user wireless terminal transmits the result And processes information to be transmitted.

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 may be provided to the merchant point device 150 through the NFC, so that the present invention is not limited thereto.

The NFC module 155 of the merchant point device 150 forms an NFC interface with the NFC unit 240 of the user wireless terminal and recognizes the result information through the NFC interface. The merchant point device 150 (or the NFC module 155) confirms the authentication information such as the one-time code or the hash authentication 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, a merchant point display unit 165 and the user-side display unit 165).

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 result information may include a transaction identification code (ID) for uniquely identifying the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal without intervention of the merchant point device 150 In this case, the merchant point device 150 may independently process the transaction ID code included in the result information through a reverse path from the app 255 of the user wireless terminal through a separate communication path The transaction result of the financial transaction can be post-inquired or the transaction effectiveness of the financial transaction can be post-verified.

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 exemplary embodiment of the present invention, when a registration request is made for the code information to be encoded in the encoding information provided by the NFC and the financial information of the merchant at the merchant device 150 provided at the merchant's terminal ), The operation server 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 operation terminal requests registration of address information to be encoded in the encoding information provided through the NFC and financial information of the merchant in the merchant device 150 provided at the merchant (310), the operation 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 requests registration of a user's financial information according to a first information registration embodiment of the present invention (320) (At least one of the user identifier, the terminal identifier, and the unique identifier) according to one or more of the second to fifth information registration embodiments of the present invention, the operation server 100 The user's financial information is registered and stored in a designated storage medium (325), and the registration requested identifier is mapped with the user's financial information and registered and stored (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.

More specifically, in FIG. 4, when the financial information of the merchant is directly encoded in the encoding information provided by the merchant device 150 through the NFC, the merchant device 150 recognizes the financial information of the merchant, A customer who has a general knowledge in the technical field of the present invention can refer to and / or modify the financial information of the merchant through the reverse path, It will be appreciated that various implementations of the process of recognizing and / or reversing the transaction (e.g., omitting some steps or changing the order) may be inferred, but the present invention encompasses all of the above- The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the merchant pointing device 150 confirms whether an NFC interface with a user wireless terminal of a close distance is formed through the NFC module 155 (400). If an NFC interface is established with a user wireless terminal of a proximity distance, the merchant device 150 provides encoding information obtained by encoding financial information of the merchant through the NFC interface (405) 255 receives the encoding information through the NFC interface formed through the NFC unit 240, reads the encoding information, recognizes the recognition information including the financial information of the merchant, The validity of the recognition information is authenticated (415) through the authentication value included in the recognition information, and the financial information of the merchant included in the recognition information is confirmed (420).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal displays an interface for receiving confirmation of the money information determined by the user (or verbal agreement with the merchant) The sound information input unit 225 recognizes the voice uttered by the user and confirms the amount information (430). Meanwhile, according to the embodiment, the application 255 of the user wireless terminal can receive the money amount information from the designated server side.

If the financial information of the merchant is confirmed and the money amount information is confirmed, the app 255 of the user wireless terminal confirms the financial information of the user (for example, receives input from the user or extracts the financial information to a designated storage area of the user wireless terminal) (Or at least one of the user identifier, the terminal identifier, and the unique identifier) mapped to the user's financial information (for example, at least one of the user identifier, the terminal identifier and the unique identifier) 435, and the user's financial information (or the identifier mapped with the user's financial information) The financial information of the recognized franchisee and the amount of money information through the designated financial server 170 in step 440. The merchant terminal 150 then generates transaction information (445), the operation server (100) transmits the transaction information through the reverse path Receive transaction information for financial transactions (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 confirming the financial information of the merchant through the code information when the credit information mapped to the credit information of the merchant is encoded in the encoding information provided by the merchant device 150 through the NFC, 5 is a flowchart illustrating an example of a transaction request using the financial information of the merchant through a reverse path in which the merchant 150 does not intervene. (For example, omitting some steps or changing the order) for the process of recognizing the merchant's financial information or requesting the reverse transaction. However, the present invention can be applied to all the methods And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, the merchant point device 150 confirms whether an NFC interface with a user wireless terminal at a close distance is formed through the NFC module 155 (500). If the NFC interface is formed with the user wireless terminal of the proximity distance, the merchant point device 150 provides the encoding information obtained by encoding the code information associated with the financial information of the merchant through the NFC interface (505) The application 255 of the wireless terminal receives the encoding information through the NFC interface formed through the NFC unit (510), reads the encoding information, recognizes the recognition information including the code information (515) , And the validity of the recognition information is authenticated through the authentication value included in the recognition information according to the conducting method (515). The application 255 of the user wireless terminal requests financial information of the merchant to the designated operating server 100 through the code information included in the recognition information 520, The application 255 of the user wireless terminal confirms the financial information of the merchant registered and registers the code information and the financial information of the registered merchant in the application 255 of the user wireless terminal (520).

If the financial information of the merchant is confirmed, the application 255 of the user wireless terminal displays an interface for receiving confirmation of the amount information determined by the user (or verbal agreement with the merchant) The sound information input unit 225 recognizes the voice uttered by the user and confirms the amount information (535). Meanwhile, according to the embodiment, the application 255 of the user wireless terminal can receive the money amount information from the designated server side.

If the financial information of the merchant is confirmed and the money amount information is confirmed, the app 255 of the user wireless terminal confirms the financial information of the user (for example, receives input from the user or extracts the financial information to a designated storage area of the user wireless terminal) (Or at least one of the user identifier, the terminal identifier, and the unique identifier) mapped to the user's financial information (for example, at least one of the user identifier, the terminal identifier and the unique identifier) And transaction information for requesting a financial transaction for payment of the merchant through the designated financial server 170 including the financial information and the money information of the recognized merchant (545). After that, the merchant device (150) (550), the operation server (100) transmits the transaction information through the reverse path to the server Receive transaction information for financial transactions (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 is a flowchart illustrating a process of checking the financial information of the merchant through the address information when the address information on the network storing the financial information of the merchant is stored in the encoding information provided through the NFC in the merchant point device 150, And a transaction request using the financial information of the merchant through a reverse path through which the device 150 does not intervene. If a person skilled in the art is familiar with the present invention, It may be possible to infer various methods (for example, omitting some steps or changing the order) for the process of recognizing the merchant's financial information or requesting the reverse transaction, but the present invention can be applied to all of the above- And the technical features thereof are not limited to those of the embodiment shown in FIG. 6 only .

Referring to FIG. 6, the merchant point device 150 confirms that an NFC interface with a user wireless terminal at a close distance is formed through the NFC module 155 (600). If the NFC interface is established with the user wireless terminal of the proximity distance, the merchant point device 150 provides the encoding information obtained by encoding the address information corresponding to the storage location where the financial information of the merchant is stored through the NFC interface 605). The application 255 of the user wireless terminal receives the encoding information through the NFC interface formed through the NFC unit 240 (610), reads the encoding information, and transmits 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 according to the execution method (615). The application 255 of the user wireless terminal requests financial information of an affiliate store stored in the address information included in the recognition information 620 and the operation server 100 responds to the address information through the process of FIG. The application 255 of the user wireless terminal confirms the financial information of the affiliated store (step 620). The application 255 of the user wireless terminal checks the financial information of the affiliated store.

If the financial information of the merchant is confirmed, the application 255 of the user wireless terminal displays (630) an interface for receiving confirmation of the amount information determined by the user (or verbal agreement with the merchant) The sound information input unit 225 recognizes the voice uttered by the user and confirms the amount information (635). Meanwhile, according to the embodiment, the application 255 of the user wireless terminal can receive the money amount information from the designated server side.

If the financial information of the merchant is confirmed and the money amount information is confirmed, the app 255 of the user wireless terminal confirms the financial information of the user (for example, receives input from the user or extracts the financial information to a designated storage area of the user wireless terminal) (Or at least one of the user identifier, the terminal identifier, and the unique identifier) mapped to the user's financial information (for example, at least one of the user identifier, the terminal identifier and the unique identifier) 640, and the user's financial information (or the identifier mapped with 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 financial information of the recognized merchant and the money amount information (645), and then the merchant device 150 does not intervene (650), the operation server (100) transmits the transaction information through the reverse path Receive transaction information for financial transactions (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.

In more detail, FIG. 7 illustrates an embodiment in which the financial transaction requested in reverse through the application 255 of the user wireless terminal is processed as a stand-alone type without involvement of the merchant point device 150 for payment of the merchant's point. Those skilled in the art will be able to refer to and / or modify this FIG. 7 to infer various implementations of the financial transaction process (e.g., omitting some of the steps or changing the order) However, the present invention is not limited to the technical features of the present invention.

Referring to FIG. 7, when transaction information for merchant payment is received from the app 255 of the user wireless terminal via the reverse path, the operation server 100 checks the financial information of the user included in the transaction information 700 Or 700 of the user's financial information stored in the storage medium designated by the identifier included in the transaction information, and transmits the transaction information including the financial information of the confirmed user, the financial information of the merchant, And transmits the request to the designated financial server 170 to request a financial transaction for payment of the merchant (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 result information is transmitted to the application 255 of the user wireless terminal 740 and the application 255 of the user wireless terminal receives result information including the transaction result of the financial transaction and the authentication information from the operation server 100 (745) and output the transaction result of the received result information (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 a user wireless terminal receiving result information of a financial transaction designated via a reverse path confirms whether an NFC interface with a merchant device 150 at a close distance is formed through the NFC unit 240 (800). If the NFC interface is established with the merchant device 150 at a close distance, the app 255 of the user wireless terminal transmits result information including the transaction result of the financial transaction and the authentication information to the merchant device 150) (805).

The merchant point device 150 recognizes the result information transmitted from the user wireless terminal through the NFC interface (810). If the result information is recognized through the NFC, the merchant point device 150 performs a procedure for authenticating the validity of the authentication information included in the result information (815). 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) (820). If the validity of the authentication information included in the result information is authenticated, the merchant point device 150 transmits the authentication information to the merchant point device 150 through one or more display units 165 provided in the merchant point device 150 without directly intervening the merchant point device 150 And displays the transaction result of the independent financial transaction via the reverse path (825). 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
155: NFC 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 confirmation unit 275: Information configuration unit
280: Transaction requesting unit 285: Result receiving unit
290:

Claims (23)

1. A method executed via an app of a user wireless terminal having an NFC (Near Field Communication) unit and a sound wave input unit,
A first step of confirming the financial information of the merchant based on the recognition information that is interfaced with the NFC module of the merchant point device provided in the offline merchant through the NFC unit;
A second step of recognizing a voice signal of a sound wave signal input through the sound wave input unit and confirming the amount information of the user uttered;
A third step of transmitting transaction information including the financial information of the franchisee and the confirmed amount 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 forming an NFC interface with the merchant point device through the NFC unit and transmitting the result information to the merchant point device,
The result information is transmitted to the merchant point device located at a close distance of the user wireless terminal through the NFC interface,
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,
Recognizing recognition information including financial information of the franchisee by interfacing with the NFC module of the merchant point device through the NFC unit; And
And confirming the financial information of the merchant included in the recognition information.
2. The method according to claim 1,
Recognizing recognition information including unique code information of a designated code system mapped with financial information of the merchant through an interface with the NFC module of the merchant point through the NFC unit;
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,
Recognizing recognition information including address information of a designated address system storing the financial information of the merchant by interfacing with the NFC module of the merchant device through the NFC unit;
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 that is uniquely assigned to the user wireless terminal in a non-redundant manner in order to identify the financial transaction that is initiated by interfacing with the NFC module of the merchant point device through the NFC unit at a specific point in time and checking the money amount information. Standalone payment method.
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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