KR20190065832A - Method for Providing Payment based on Sound Wave by using Cryptocurrency - Google Patents

Abstract

The present invention relates to a sound wave payment method using a cryptocurrency. According to the present invention, the sound wave payment method includes: a first step of conducting a process for confirming and updating a block; a second step of receiving payment information including a payment amount from an affiliated store terminal; a third step of determining and providing a unique identification code to the affiliated store terminal; a fourth step of receiving and authenticating the unique identification code; a fifth step of confirming payment using an n^th (1<=n<=N) cryptocurrency; a sixth step of conducting a process for authenticating the payment validity of at least one cryptocurrency based on an n^th cryptocurrency block; a seventh step of conducting a process for trading a cryptocurrency designated for the payment; and an eighth step of providing payment result information to an application of a wireless user terminal and the affiliated store terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a sound wave payment method using a password,

The present invention provides a unique identification code for uniquely identifying the payment information when the payment information including the payment amount is received from the merchant terminal and provides the unique identification code encoded in the sound wave transmitted from the merchant terminal to the merchant terminal And receives the unique identification code from an app of the recognized user wireless terminal and processes the settlement of the payment information through a designated block chain-based password.

Recently, there has been an investment craze in blockcain based cryptography including bit coins, and blockchain technology has been portrayed as a versatile technology to replace conventional technology, but in reality it is not.

First, since the block-chain technology is implemented in P2P (peer-to-peer) manner as described by anonymous Satoshi Nakamoto in his paper, it is applied to a technical field in which there is a clear business entity or service subject It has a difficult problem.

In addition, the block chain technology has the technical characteristics to guarantee the stability only if the peers reach voluntary and devoted participation based on the appropriate compensation system and the scale reaches a certain level. Which has the difficulty of applying to the technological field which is difficult to induce voluntary and dedicated participation of the technical field or the peer.

In addition, since the block chain technique collects a plurality of pieces of data and blocks them, it has a technical characteristic that it takes a certain waiting time (for example, 10 minutes for bit coin) to collect data or block the data. It is difficult to apply it to a technical field requiring a real-time service or a technical field requiring a real-time service.

In addition, the block-chain technology has a technical feature that multiple peers completely disclose all information in an unspecified form, thereby preventing the forgery and falsification of information. Accordingly, the present invention is applied to a field that deals with secret information or a technology field that is sensitive to privacy invasion It has the following difficulties.

In addition, block-chain technology has technical features of inefficiency that waste unnecessary energy and consume resources, and this inefficiency forms the basis of block-chain technology security. Recently, in order to solve the problem of inefficiency, some block chain technology has been transformed into a form in which energy waste and resource consumption are reduced to a certain level. In this case, since the basis of the block chain technology security becomes weak, Which is a problem.

In other words, the block-chain technology is a technology optimized for P2P-based cryptographic transactions, and it has a problem that many deficiencies occur technically and securely in applying to other technology fields other than cryptography.

In the field of settlement, it is difficult to induce voluntary and voluntary participation of peers, and there is a need for real-time information processing and settlement approval, as well as information that is sensitive to confidential information or privacy invasion It is technically difficult to apply block-chain technology or block-chain-based cryptography to such payment-related fields.

In order to solve the above problems, an object of the present invention is to provide a merchant terminal that provides a merchant terminal with a unique identification code that uniquely identifies the payment information when payment information including a payment amount is received from the merchant terminal, Receiving a unique ID code from an app of a user wireless terminal that has recognized a unique ID code encoded in a transmitted sound wave signal, and encrypting the encrypted payment information through a block chain- To provide a sound wave settlement method using the sound wave.

It is another object of the present invention to provide a cryptographic apparatus and a method thereof, in which an operating server for performing settlement intervenes in the form of an active node or a passive node on a block-chain network implementing cryptography, And / or a sound wave settlement method using a cipher money which is periodically checked and used for settlement processing.

It is a further object of the present invention to provide a method and system for preventing a technical server and / or a security flaw occurring in the process of applying a block-chain algorithm implemented in a block-chain network implementing a cipher system to settlement And to provide a sound wave settlement method using a cipher money in which the block chain-based cipher currency is used for settlement processing.

A method for a sound wave settlement method using cryptography according to the present invention is implemented through an operation server communicating with a user wireless terminal and operable with an affiliate terminal operated by a merchant, A cryptographic block including chained blocks created or agreed on N block-chain networks for implementing currency is identified and stored in a designated block storage area, and a process of periodically checking and updating blocks newly created or agreed is performed A second step of receiving settlement information including a payment amount from the merchant terminal, a second step of determining a unique code of a specified code system for uniquely identifying the received payment information, and providing the unique identification code to the merchant terminal A step of recognizing a unique identification code encoded in the sound wave signal transmitted from the sound wave from the merchant terminal A fourth step of receiving and authenticating the unique identification code from an app of the user wireless terminal, and confirming payment using the n-th (1? N? N) cipher key for the payment information corresponding to the authenticated unique identification code And a fifth step of checking the user's cryptographic account of the n-th cryptographic currency when confirming the payment request using the n-th cryptographic currency, and updating the user's cryptographic account of the n-th cryptographic currency with the latest update of the n-th cryptographic currency The method comprising the steps of: performing at least one cryptographic currency validity authentication procedure based on the n-th cipher block, if the at least one designated cipher validity has been authenticated; A seventh step of performing a cryptographic money transaction procedure designated to settle the settlement amount of the payment information using the held cryptographic currency unit; Verify the password-based monetary settlement result information to process the payment of the information, and a eighth step of providing merchants with the terminal of the user to the app wireless terminal.

According to the present invention, the N ciphers may be generated by constructing a block according to a block-chaining algorithm implemented on a specified block-chain network by the operation server (or a node device associated with the operation server) Node).

According to the present invention, the N ciphers can be generated or agreed through the block chain algorithm implemented on the designated block-chain network so that the operating server (or the node device associated with the operating server) And may include cryptograms participating as passive nodes.

According to the present invention, the N ciphered currencies may include a password of an operator issued through a block-chain network implemented by an operator who operates the operating server.

According to the present invention, the block-chain network implemented by the operator may include a public block-chain network, or may include a private block-chain network, or may be a hybrid block that partially blends features of a public- Chain network.

According to the present invention, the first step is a step of generating and / or agreeing a chained block according to a block chaining algorithm implemented on N block chain networks implementing N (N? 1) Identifying a new block to be newly created or agreed upon according to a block chain algorithm implemented on the N block chain networks, and storing the new block in the designated block storage area And performing a procedure of chaining and updating the stored encrypted money blocks.

According to the present invention, in the sound wave settlement method using the cryptographic currency, when the settlement is settled through the n-th cipher currency instead of the real money at the merchant, the merchant identification information for identifying the settlement chargeable merchant through the n-th cipher currency is registered And the merchant's cryptographic account information identifying the merchant's cryptographic account set to identify the cryptographic unit held by the merchant (or merchant) on the n-th block chain network implementing the n-th cryptographic currency, A procedure for registering merchant-side password money registration information including merchant-side password money transaction authentication information set for a password currency transaction using a password currency account unit held in the merchant's password money account according to a block-chain algorithm implemented on a network , A step of registering the merchant-side password account information and the merchant- By linking the transaction authentication information, the merchant identifying information stored in the specified management DB and may further include a management step that manages the transaction merchant side cryptocurrency.

According to the present invention, the managing step reads the details of the encrypted currency transactions included in the i (i? 2) blocks included in the latest updated nth encrypted currency block in the designated block storage area, A step of calculating a cryptographic unit held in the merchant's cryptographic currency account and a step of storing the cryptographic unit information held in the merchant's cryptographic currency account in association with the merchant's cryptographic account information in the management DB .

According to the present invention, the calculating step may include verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, As shown in FIG.

According to the present invention, the sound wave settlement method using the cryptography is a method of receiving user information about the user through an app of a user wireless terminal, receiving password information of a user on a n-block- Unit encrypted currency account information identifying a user password currency account set to identify the unit and a password using the password currency account unit held in the user password currency account according to a block chain algorithm implemented on the nth block chain network A step of registering user-side password money registration information including user-side password money transaction authentication information set for a money transaction; a step of registering the user-side password money account information and user- Information is stored in the designated management DB in association with the user, The administration may further comprise the step of managing.

According to the present invention, the managing step reads the details of the encrypted currency transactions included in the i (i? 2) blocks included in the latest updated nth encrypted currency block in the designated block storage area, A step of calculating a cipher unit held in the user's cipher money account, and a step of storing the cipher unit information held in the user's cipher money account in association with the user's cipher account information in the management DB .

According to the present invention, the calculating step may include verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, As shown in FIG.

According to the present invention, the sound wave settlement method using the cryptography is a method of confirming the exchange rate information set for the exchange between the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency, Step &lt; / RTI &gt;

According to another aspect of the present invention, there is provided a sound wave settlement method using the encrypted currency, comprising the steps of: confirming the settlement currency rate information based on the n-th cipher currency and the designated real currency exchange rate information at the time of confirming the settlement request using the n-th cipher currency, And a step of determining a settlement unit for a settlement corresponding to a settlement amount of the settlement information based on the settlement exchange rate information.

According to the present invention, the settlement exchange rate information includes exchange rate information that is the same as current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include at least one exchange rate information.

According to another aspect of the present invention, there is provided a sound wave settlement method using a cipher money, comprising the steps of: confirming exchange rate information for exchange between a cipher money corresponding to a cipher money block stored in a designated block storage area and a specified real money, And updating the exchange rate information stored in the designated exchange rate storage area by confirming the exchange rate information that is changed every designated period.

According to another aspect of the present invention, there is provided a sound wave settlement method using the cryptographic currency, wherein when the settlement request using the n-th cipher currency is confirmed, the settlement currency rate information based on the current exchange rate information between the n & And determining a unit of a unit of a password for settlement corresponding to a settlement amount of the settlement information based on the settlement exchange rate information.

According to the present invention, the settlement exchange rate information includes exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a predetermined ratio, And may include at least one exchange rate information of the exchange rate information adjusted to hedge the loss due to the exchange rate based on the fluctuation of the exchange rate information for a predetermined period.

According to another aspect of the present invention, there is provided a sound wave settlement method using the cipher money, comprising the steps of: providing cipher currency settlement confirmation information including the settlement currency exchange information to an app of the user wireless terminal; Receiving the user confirmation information that agrees with the encrypted money settlement corresponding to the encrypted money settlement confirmation information from the application of the user wireless terminal when the encrypted currency settlement corresponding to the encrypted currency settlement confirmation information is agreed upon; And authenticating the validity of the authentication information.

According to the present invention, the encrypted currency settlement confirmation information may further include information on a cryptographic unit for settlement to be withdrawn from the user's cryptographic currency account for the cryptographic currency settlement based on the settlement exchange rate information.

According to the present invention, the user confirmation information includes at least one of secret information registered by the user, biometric information for authenticating the user's biometrics, authentication confirmation information confirming that the user's biometrics is authenticated by the user wireless terminal, And at least one of cryptographic transaction authentication information for a cryptographic currency transaction that fetches a designated cryptographic unit from the account.

According to the present invention, the sixth step is a step of transferring the settlement amount of the payment information to the user's cryptographic account of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher, And a step of authenticating whether or not the unit has the unit of the currency bill payment validity authentication procedure.

According to the present invention, the sixth step may include performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the nth encrypted currency block, And validating the validity of the money block.

According to the present invention, in the sixth step, the user's cryptographic account is included in the withdrawal account of the cryptographic transaction details broadcasted to the n-th block-chain network on the basis of the time point when the payment request using the n-th cryptographic currency is confirmed And performing a cryptographic transaction validity authentication procedure for authenticating that there is no idle-state withdrawal-related unrecognized cryptographic transaction transaction details not included in the n-th cryptographic currency block.

According to another aspect of the present invention, there is provided a sound wave settlement method using a cipher key, the method comprising the steps of: when confirming an idle state withdrawal-related unrecognized cipher currency transaction details including the user's cipher account as an withdrawal account on the nth block- And a payment amount of the payment information in the user's password money account using at least one of the encrypted currency unit included in the unsettled password currency transaction history associated with the user-side withdrawal and the encrypted currency unit held in the user's password money account And performing a cryptographic currency validity authentication procedure including a procedure for authenticating whether or not the valid cryptographic unit has a valid cryptographic unit that can be settled.

According to the present invention, the sound wave settlement method using the cipher money may further comprise the step of, when confirming a standby state of the user-side withdrawal-related unconfirmed ciphering transaction details including the user's cipher account in the withdrawal account on the nth block- in order to include in the n-th cipher block the transaction details of the settlement password rather than the confirmed uninitialized cipher transaction history related to the user-side withdrawal in connection with the block chaining process based on the block chain algorithm implemented in the n-block- And performing the specified procedure.

According to the present invention, the seventh step is a step of fetching a billing unit for billing corresponding to the settlement amount of the billing information among the billing units held in the user's cryptographic account of the n-th cipher currency, To the n-th block-chain network by generating a password transaction for settlement for transfer to the n-th block-chain network.

According to the present invention, the settlement password account includes an escrow for temporarily storing the currency unit for settlement among the cryptographic currency units held in the user's cryptographic currency account of the n-th cipher currency for the real currency unit, May include an escrow cryptography account of the nth cryptographic currency designated for.

According to the present invention, the billing password account for sale may request to sell the billing unit for billing among the bill units held in the user's password account of the n-th cipher according to a designated cipher transaction procedure, And may include a cryptographical account of the buyer buying the currency unit.

According to the present invention, the billing password account may include the merchant's password account when the merchant's password account for the n-th cipher currency transaction of the merchant is registered.

According to the present invention, in the eighth step, the settlement result information including the result of the settlement-based payment approval for the settlement information is broadcasted within a predetermined time after broadcasting the settlement password transaction transaction history to the nth block- To the app of the user wireless terminal and the merchant terminal.

According to the present invention, when the payment information including the payment amount is received from the merchant terminal, the unique identification code for uniquely identifying the payment information is provided to the merchant terminal, and the unique identification If the unique identification code is received from an app of a user wireless terminal that has recognized the code and authenticated, there is an advantage of processing the settlement of the payment information by using a designated block chain (Blockchain) -based cipher money as payment means capable of payment in real time .

According to the present invention, it is advantageous to provide secure block-chain-based cryptographic key settlement by eliminating various technical and / or security defects occurring in the process of applying block-chain-based cryptography to payment related fields.

1 is a diagram illustrating a configuration of a sound wave settlement system using a cipher according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chain network according to an embodiment of the present invention.
3 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.
4 is a diagram illustrating a process of registering information for a user's cipher currency transaction according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of registering information for an encryption transaction on the merchant's side according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a process of confirming reverse sound wave settlement using a cipher according to an embodiment of the present invention. Referring to FIG.
7 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.
9 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

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

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

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

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

1 is a diagram illustrating a configuration of a sound wave settlement system using a cipher money according to an embodiment of the present invention.

1, when the payment information including the payment amount is received from the merchant terminal 175, a unique identification code for uniquely identifying the payment information is provided to the merchant terminal and transmitted from the merchant terminal 175 Upon receipt and authentication of the unique identification code from the application of the user wireless terminal 180 that has recognized the unique identification code encoded in one sound wave signal, the payment of the payment information is processed through the designated block chain (Blockchain) based password 1 is a block diagram illustrating a configuration of a system according to an exemplary embodiment of the present invention. Referring to FIG. 1, Some or all of the constituent parts may be omitted, or a subdivided or combined implementation method) The present invention is not limited to the above-described embodiments.

The system of the present invention provides settlement information including a settlement amount at an offline merchant to the designated operating server 100, encodes the unique identification code provided by the operation server 100 into a sound signal, And a user wireless terminal having a function of recognizing the unique ID code encoded in the sound wave signal transmitted from the sound wave from the merchant terminal 175 and providing the unique ID code to the operation server 100 180), and when the payment information is received from the merchant terminal (175), a unique identification code for uniquely identifying the payment information is determined and provided to the merchant terminal, And an operation server (100) having a function of receiving and authenticating a unique identification code recognized through a sound wave transmitted from a sound wave at the terminal (175) And a cryptographic server (not shown) that performs a procedure of processing a cryptographic key-based settlement for the settlement information in cooperation with the block-chain network 165 implementing the specified block-chain-based cryptographic key . However, in the embodiment of FIG. 1, the functional block for processing a block-chain-based encrypted money settlement in cooperation with the block-chain network 165 will be described with reference to the operation server 100, And a functional configuration unit for processing the block-chain-based encrypted money settlement in cooperation with the block-chain network 165 may be implemented in the operation server 100 and / or a separate (or more than one) ) &Lt; / RTI &gt; cryptographic server.

The merchant terminal 175 is a collective term for the terminal devices provided in the merchant for reverse sound wave settlement. For example, the merchant terminal 175 for forward payment, such as a POS terminal or a CAT terminal, A reverse sound wave settlement function according to the present invention can be provided to a mobile terminal of a mobile phone, a smart phone, a tablet PC, or the like, which is operated by an affiliated store or used by a merchant as another example, and / It can be implemented by installing an app for merchants to run. It is to be noted that, in the following description for the sake of convenience, the description describing the franchise terminal 175 as a subject is executed through an application installed in the franchise terminal 175 without any specific description.

According to the embodiment of the present invention, the merchant terminal 175 receives the settlement amount and / or receives at least one recognizer (for example, a barcode reader, an RF reader, a camera, etc.) provided in the merchant terminal 175 Recognizes the product code, inquires the designated DB on the basis thereof, calculates the settlement amount based on the commodity price of the confirmed commodity information, and / or displays a list of the commodity information registered in the commodity terminal 175, Or a store), and calculating a settlement amount based on the commodity price of the confirmed commodity information. Thereafter, the payment information including the input / calculated settlement amount And transmits it to the operation server 100 through the designated communication network.

According to an embodiment of the present invention, the settlement amount of the settlement information may include amount information of a real currency unit. For example, the payment amount may include amount information in KRW 'KRW' unit.

On the other hand, the merchant terminal 175 transmits the payment information to the merchant terminal 175 in place of at least one real money based payment means including at least one of a credit card, a check card, a cash card, a debit card, It is possible to transmit the encrypted money settlement request information requesting settlement of the settlement information by using the coded money as the settlement means or to request the settlement of at least a part of the settlement amount of the settlement information through the designated block chain- (In this case, the remaining money can be requested through the real money-based payment means or another block chain-based password money). Based on the information, the operation server 100 transmits the password money payment request information to the merchant terminal 175, Based payment settlement request information, and confirm the settlement-based settlement of the settlement information .

Meanwhile, according to another embodiment of the present invention, when the merchant requests or permits payment using a specific password, the payment amount of the payment information may include one or more specific currency units designated by the merchant, The present invention is not limited thereto. On the other hand, a cipher unit can contain up to a specified number of decimal places.

According to the method of the present invention, the payment information may include, in addition to the input / calculated payment amount, an affiliation store number, merchant store information, terminal identification information for identifying the affiliate shop terminal 175, (For example, a product name, a product code, an item name, an item name, a product name, and a product name) that are input through the merchant terminal 175 and / Product price, unit price, quantity, etc.).

The operation server 100 receives payment information including the payment amount from the merchant terminal 175, determines a unique identification code of a designated code system that uniquely identifies the received payment information, (Or information included in the payment information among the information included in the payment information) and the determined unique ID code to the designated operating DB, and provides the unique ID code mapped to the payment information to the merchant terminal.

The merchant terminal 175 receives the unique identification code from the operation server 100 and transmits the unique identification code to the sound wave signal of the sound wave frequency band (for example, an audible frequency band or an invisible frequency band) And transmits the sound wave at the designated signal output intensity. According to the embodiment of the present invention, the merchant terminal 175 specifies the receiver to receive the sound wave signal, broadcasts the sound signal at a short distance instead of feeding the sound wave signal, A device having a sound input unit of the device is capable of receiving the sound wave signal.

The user wireless terminal 180 is a collective term of a wireless communication device owned (or possessed) by a user for reverse acoustic wave settlement and preferably includes a wireless terminal 180 such as a mobile phone, a smartphone, a tablet PC, A user application for executing a reverse sound wave settlement function according to the present invention is installed and executed. For the sake of simplicity, it is to be noted that, in the detailed description of the present invention, the description describing the user wireless terminal 180 as a subject is configured to be executed through an application installed in the user wireless terminal 180 without any specific description.

According to an embodiment of the present invention, the app of the user wireless terminal 180 reads the sound data input through the sound input unit of the user wireless terminal 180 and transmits the sound data corresponding to the sound wave signal transmitted from the affiliate terminal 175 Recognizes the sound wave data, and recognizes the unique ID code encoded in the sound wave signal by reading the sound wave data. The application of the user wireless terminal 180 transmits the unique identification code to the designated operation server 100 and the operation server 100 receives the unique identification code from the application of the user wireless terminal 180. Meanwhile, the operation server 100 reads the unique ID code received from the app of the user wireless terminal 180 according to a designated code system and authenticates the unique ID code provided to the merchant terminal 175 and / The unique ID code received from the app of the wireless terminal 180 and the unique ID code provided to the merchant terminal 175 can be compared and authenticated.

Meanwhile, the application of the user wireless terminal 180 transmits the unique identification code and uses the block-chain-based password as a payment unit instead of the real-money-based payment unit to request the settlement of the payment information Or request payment of at least a part of the settlement amount of the settlement information through the designated block chain-based cipher currency (in this case, the remaining amount can be requested through the real money-based payment means or another block chain-based password money The operating server 100 may receive the encrypted money settlement request information from the application of the user wireless terminal 180 and may transmit the encrypted money settlement request information . Hereinafter, embodiments of the present invention will be described by way of example only, with reference to the accompanying drawings, in which the present invention is not limited thereto. Based payment means can be used to process the settlement of the payment information.

The operating server 100 is a general term for a server-side configuration for reverse acoustic wave settlement and a server-side configuration for block-chain cryptography-based settlement, and is not limited to a specific (or any) physical server device. That is, each component of the operation server 100 shown in FIG. 1 is implemented through a server operated by one of the operators (or a company, an organization, etc.) and / (Or companies, institutions, etc.) that are distributed and / or distributed through two or more servers or devices operated by two or more affiliated providers (or corporations, organizations, etc.) Etc.) are implemented in the form of software added to or installed on a server or device that has been built and / or added / installed on two or more servers or devices operated by two or more affiliated companies (or companies, institutions, etc.) And the present invention is not limited by the manner in which the operating server 100 is implemented. In the detailed description and claims of the present invention, the meaning of 'to process' or 'to perform' a specific function executed by a component provided in the operating sheet means that the server of the specific operator Or software) directly executes the function, as well as requesting the execution of the function through a server or device of another carrier affiliated with the server (or software) of the specific carrier, or a server or device of another carrier Means that a preprocessing necessary for executing the function is performed or that a server or a device of another provider is provided with a result of executing the function, and the subject of the action corresponding to this description is a person (For the avoidance of scope of rights) to be executed by another provider's server or device, Batdeorado or provide execution results clearly revealed leave bayida that can be interpreted as being attributable to the conduct of certain operators.

According to an embodiment of the present invention, the operating server 100 can communicate with an app of the user wireless terminal 180, directly or indirectly interlock with the affiliate terminal 175, and communicate with the app of the user wireless terminal 180 Or executes a server side configuration for reverse sound wave settlement by directly or indirectly interlocking with the merchant terminal 175. When a block chain cipher based payment is requested in an application of the user wireless terminal 180, Run server-side configuration for payment. Hereinafter, for the sake of convenience, the operation server 100 can provide a block-chain cryptography-based settlement through N (N? 1) ciphers implemented on a block-chain basis, An embodiment for providing a cipher-based payment using a cipher key will be mainly described, but it is not limited to an embodiment for providing a settlement through a specified one block-chain cipher currency, The present invention can be applied to all embodiments that select a cryptographic currency to provide settlement, and the present invention can be applied to an embodiment (or a scope of rights) using any one specified block-chain cryptographic key and an implementation using two or more block- Examples (or ranges of rights) are encompassed.

Referring to FIG. 1, the operation server 100 is configured to perform a block chaining algorithm based on a block chaining algorithm implemented on N block chain networks 165 implementing N (N? 1) A cryptographic block storing unit 103 for identifying a cryptographic block including blocks generated or agreed and chained and storing the cryptographic block in a designated block storage area, and a block chaining algorithm implemented on the N block- And a crypto-currency block updating unit 106 for performing a procedure of confirming a new block newly created or agreed upon and chaining the new block to a cryptographic block stored in a designated block storage area and updating the cryptographic block.

The block-chain algorithm included in an article by Satoshi Nakamoto, anonymous on October 31, 2008, in the Gmane cryptographic technology community, says that on January 03, 2009, a password coin called "Bitcoin" Since its first implementation, to date, there have been at least several hundred variant examples of block-chain algorithms. In the meantime, the present invention is characterized in that even a ciphertext implemented through any block chain algorithm among block chain algorithms that are modified (or modified in the future) by several hundreds or more is used as a payment means equivalent to real money.

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (peer-to-peer) scheme rather than a server-centralized scheme, a block-chain network 165 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, or a server corresponding to a peer participating in the block-chain network 165 as a 'node device 170'.

The block chain network 165 includes a private block chain network 165 that includes a public block chain network 165 that can be joined by anyone or only a limited (or pre-authenticated) According to an embodiment of the present invention, the block-chaining algorithm may include a hybrid block-chain network 165 that partially blends features of the public block-chain network 165 and the private-block-chain network 165 .

According to an embodiment of the present invention, the node device 170 on the block-chained network 165 is connected to a cipher key 165 generated on the designated block-chain network 165 based on the block- A function of storing a block in a designated storage area, a function of collecting a cryptographic transaction history broadcasted in a designated block chain network 165, a function of forming a block by blocking the collected specified number of cryptographic transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake), CBB (Consensus-By-Bet)) to generate a new block, a function of requesting the other node device 170 to settle the newly generated block, Verifying the validity of the block chain of the requested block based on the block-chain verification value included in the block requested to be concluded from the device 170, and connecting the verified block to the pre-stored encrypted currency block A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 165 is installed and all the node devices 170 operating on the specific block chain network 165 execute the same block It is preferable that the same version of the block chain program to which the chain algorithm is applied is executed.

According to the present invention, the operating server 100 can use N (N &gt; = 1) cipher systems implemented on a block-chain basis as payment means, and the operating server 100 ) Of the components of the cryptography-related part of the block-chain-based cryptography (e.g., the components of the cryptography-related part of the components of the designated block-chain network 165) Or a virtual node capable of participating in the designated block-chain network 165 (for example, a block-chain-program-implementing-block-chain- A virtual node that is implemented through the same program as the block chain program) and / or is implemented on the designated block-chained network 165 and is operative Node device can work with real-time (170). In the present invention, N pieces of cipher money include not only embodiments using a plurality of cipher keys, but also embodiments using any one particular number of cipher keys. However, even if the N ciphers are represented (or described) in the detailed description or the claims of the present invention for the sake of convenience in the following description, it is only for the sake of convenience of explanation. In the present invention, N ciphers Embodiments (or ranges of rights), as well as embodiments (or scope of rights) using a single cryptographic currency.

According to a first cryptography embodiment of the present invention, the N ciphers may be provided to the operating server 100 (or the node device 170 associated with the operating server 100) on a designated block-chain network 165 And may include a cryptogram in which a block is generated according to a block chain algorithm implemented in an active node that can request a consensus. Here, the active node is an actual node device 170 implemented on a designated block-chained network 165, or a node that operates in an equivalent manner, based on a block-chain algorithm implemented on a designated block- A function of storing a cryptographic currency block generated on the block chain network 165 designated by the designated block chain network 165 in a designated storage area and a function of collecting cryptographic transaction details broadcasted to the designated block chain network 165, A function of constructing a block by blocking the history of the encrypted currency transaction, a function of generating at least one hash value for chaining the constructed block, and a valid block chain verification value for chaining and integrity verification of the composed block A function of generating a new block by applying the new block to the node device 170, A function of verifying the block chain validity of the block requested to be concluded on the basis of the block chain verification value included in the block requested to be concluded from the other node device 170 and a function of chaining the verified block to the pre- And may perform the functions defined in the block chain algorithm implemented on the block-chain network 165 among the connecting functions.

According to a second cryptography embodiment of the present invention, the N ciphers may be provided to the operating server 100 (or the node device 170 associated with the operating server 100) on a designated block-chain network 165 And a cipher money which is generated or agreed through a block chain algorithm implemented in the passive node capable of real-time checking the chained block. Herein, the passive node is a node that is created or agreed upon on a block-chain network 165 in cooperation with an actual node device 170 implemented on a designated block-chain network 165 to confirm a chained block in real time, Storing in a designated storage area a cipher block generated on a block-chain network (165) based on a block-chain algorithm implemented on a block-chain network (165) 170) for verifying the block-chain validity of the block requested to be concluded on the basis of the block-chain verification value included in the block requested to be concatenated, and a function of chaining the verified block to the pre-stored encrypted currency block One function can be performed.

According to the third cryptographic embodiment of the present invention, the N ciphered currencies may include the cryptographic currency of the operator issued through its own block-chain network 165 implemented in the operator operating the operating server 100 have. The private block chain network 165 implemented by the operator may include a public block chain network 165 or may include a private block chain network 165 or may include a public block chain network 165 and a private block chain 165. [ And a hybrid block-chain network 165 that partially blends the features of the network 165. [

According to the first self-block-chain network 165 of the present invention, the self-block-chain network 165 implemented by the operator can be operated in the form of a public-block-chain network 165 that can participate as a node.

According to the second self-block-chain network 165 of the present invention, the self-block-chain network 165 implemented by the operator may include a designated number of node devices 170 distributedly constructed and operated by the operator In this case, the own block chain network 165 may be operated in the form of a private block chain network 165.

According to the third self-block-chain network 165 of the present invention, the self-block-chain network 165 implemented by the operator includes a designated number of node devices 170 distributedly constructed and operated by the operator, In this case, the own block chain network 165 may include a designated number of node devices 170 operated by an operator. In this case, And a hybrid block-chain network 165 in which an external node device 170 participates.

According to the fourth self block chain network 165 of the present invention, the self block chain network 165 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the own block-chain network 165 may be operated in the form of a virtual private block-chain network 165.

According to the fifth self block chain network 165 of the present invention, the own block chain network 165 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the own block chain network 165 may include a virtual node operated by an operator and an external node device 170 participating in the network. The hybrid block chain network 165 can be operated in the form of a network.

According to the sixth self block chain network 165 of the present invention, the own block chain network 165 implemented by the operator includes a designated number of node devices 170 distributedly constructed and operated by the operator, And may include a virtual node implemented in software via one or more operating servers, in which case the own block-chain network 165 may include a designated number of node devices 170 and a specified number of virtual nodes And may be operated in the form of a private block chain network 165.

According to the seventh self-block-chain network 165 of the present invention, the own block-chain network 165 implemented by the operator includes a designated number of node devices 170 distributedly constructed and operated by the operator, And a virtual node that is implemented in software through one or more servers that are operated by the node device 170. The node device 170 may allow participation of an external node device 170 in addition to the virtual node and the designated number of node devices 170, The own block chain network 165 may be operated in the form of a hybrid block chain network 165 in which a specified number of node devices 170 operated by an operator and a virtual node and an external node device 170 participate.

According to the eighth self-block-chain network embodiment 165 of the present invention, the self-block-chain network 165 implemented by the operator includes at least two of the first through seventh self- At least partially in combination, and the present invention clearly encompasses these embodiments as well.

The cryptographic block storing unit 103 stores at least one (1) block in the N block-chain networks 165 implementing N (N? 1) ciphers to be used as the payment means among the ciphers implemented based on the block chain N encrypted blocks including blocks ciphered or agreed upon in accordance with respective block chain algorithms implemented on the N block-chain networks 165 in cooperation with the node device 170 of the node device 170, Stores N encrypted currency blocks in the designated block storage area. That is, the block-chain-based encrypted money is stored in the respective node devices 170 provided in the block-chain network 165 in a P2P form without a centralized server, and is periodically updated , The encrypted money block storage unit 103 can identify N encrypted money blocks in association with at least one node device 170 provided in the N block chain networks 165 and store them in a designated block storage area.

On the other hand, the node devices 170 provided in the N block-chain networks 165 perform a procedure of creating and / or agreeing a new block according to the block-chain algorithm implemented in the block-chain network 165, The money block updating unit 106 checks a new block newly created or agreed on the N block-chain networks 165 according to the block-chain algorithm implemented on the N block-chain networks 165, And performs a procedure of chaining and updating the identified new block in each of the encrypted money blocks stored in the area.

According to the method of the present invention, the encrypted currency block updating unit 106 updates the encrypted currency block stored in the designated block storing area a verification operation for verifying the validity of the hash values included in each of the blocks to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value contained in each of the blocks is valid and / (Or validity of each block included in the cryptographic block) stored in the block storage area through an operation of verifying the validity of the hash values included in each block through the included block chain verification value) Can be performed. In this case, the encrypted currency block updating unit 106 updates the validated cryptographic currency block (or the validated blocks including the verified blocks) when the validity of the cryptographic currency block (or the validity of each of the blocks included in the cryptographic currency block) A new block can be chained and updated in the encrypted money block.

According to the method of the present invention, the crypto-money block updating unit 106 updates the cryptographic money that has been newly generated or agreed upon on the block-chain network 165 used as the payment means while the specified cryptogram is used as a payment means It is preferable that the new block is repeatedly executed by confirming the new block and chaining it in the encrypted currency block of the corresponding encrypted currency stored in the designated block storage area.

Referring to FIG. 1, the operation server 100 identifies a merchant that can settle and settle through the n-th cipher money when payment is settled through the nth (1? N? N) cipher instead of the real money at the merchant (Or an affiliate shop) on the n-th block-chain network 165 that implements the n-th cipher system, the merchant-side password that identifies the merchant's cipher money account set to identify the cipher unit held by the merchant The cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account according to the money account information and the block chain algorithm implemented on the nth block- A cryptographic information registration unit 115 for performing a procedure for registering the merchant's password money registration information including the franchise point password information, And a cryptographic information management unit (118) for storing the cryptographic transaction authentication information in association with the merchant identification information and storing the cryptographic transaction authentication information in a designated management DB, wherein the cryptographic information management unit (118) (I &lt; [chi] &gt;) blocks included in the latest updated n-th cipher block are included in the cipher currency cipher account of the n-th cipher, so as to calculate the cipher unit held in the merchant cipher account of the n-th cipher And stores it in the management DB in association with the merchant's password money account information. On the other hand, during the process of reading the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block, the cipher information management unit 118 stores the i- A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each of the blocks.

According to the method of the present invention, a franchisee can settled the settlement amount according to the settlement approval through the real money when the cryptographic money based settlement according to the present invention is approved, or settle the settlement amount according to the settlement approval instead of the real money Some of the settlement amounts settled by the settlement of accounts or settlement approval may be settled through real money, and others may be settled through cryptography.

If the merchant receives the settlement amount (or a part of the settlement amount) according to the approval of the password-based payment through the password, instead of the real money, the information related to the cipher money for settlement of the password-based payment is registered in the merchant You should perform the procedure.

When the merchant receives payment settlement through the nth (1? N? N) cipher rather than the real money at the merchant, the merchant terminal 175 (or designated registration terminal) (Or merchant account) on the n-th block-chain network 165 that implements the n-th cipher system, the merchant's cryptographic account that identifies the merchant's cryptographic account set to identify the cryptographic unit held by the merchant The cryptographic transaction authentication information (for example, the cryptographic transaction information) set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account according to the block chain algorithm implemented on the nth block- The password, the authentication code, the registration code, the certificate information, the certificate password, etc.) for the password transaction, etc. And the cryptographic information registering unit 115 registers the merchant identification information for identifying the merchant that can settle and settle the settlement through the n-th cipher according to the designated registration procedure, and receives the n-th cipher, The merchant's cryptographic account information for identifying the merchant's cryptographic account set for identifying the cryptographic unit held by the merchant (or merchant) on the chain network 165 and the merchant's cryptographic account information for identifying the merchant's cryptographic account, And the merchant's cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant's cryptographic account according to the chain algorithm, The money information management unit 118 stores the merchant's password money account information and the merchant's password money transaction authentication information In the designated management DB in association with the merchant store identification information, the settled amount based on the payment approval at the time of approval of the password-based payment is settled to the merchant's password money account through the merchant's password money account information and the merchant's password money transaction authentication information And can be managed so that a cryptographic transaction can occur. In other words, the owner of the cryptographic money account can not be confirmed by the cryptographic money information management unit 118 through the merchant's cryptographic account information on the n-th block-chain network 165, The owner of the cryptographic account corresponding to the merchant's password account information can identify and manage the franchisee corresponding to the merchant identification information by storing the information and the merchant identification information in association with each other.

On the other hand, when the franchise-side encrypted money registration information is registered, the cryptographic information management unit 118 updates i (i, j) included in the latest updated n-th cipher block in the block storage area based on the merchant- i &gt;) blocks (e.g., checking the details of the password currency transactions including the merchant's password account information as the withdrawal account or including the merchant account as the withdrawal account), and / The encrypted money transaction details included in i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 170 on the block chain network 165, The cryptographic unit held at the merchant's cryptographic account of the user can be calculated. In this case, the encrypted money information managing unit 118 may store the encrypted currency unit information held in the merchant's password money account in association with the merchant's password money account information in the management DB.

According to the method of the present invention, the cryptographic information management unit 118 reads the i blocks included in the n-th cipher block for calculating the cipher unit held in the merchant cipher currency account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value included in each block is valid and / or And the validity of the hash values included in each block is verified through the block chain verification value included in each block). In this case, the cryptographic information management unit 118 may execute the cryptographic information management unit 118, If the validity of the hash values included in each block is verified for the chaining of the i blocks included in the merchant, the cryptographic unit held in the merchant's cryptographic account is calculated The merchant-side in conjunction with the password money account information can be stored in the management DB.

Referring to FIG. 1, the operating server 100 registers user information on the user through an application of the user wireless terminal 180 and receives the user information on an n-th block-chain network 165 The user side password money account information identifying the user password money account established to identify the user's password currency unit and the block chain algorithm implemented on the nth block chain network 165 A cryptographic information registering unit 115 for registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for cryptographic transaction using the cryptographic account unit, And stores the account information and the user-side cryptographic currency transaction authentication information in association with the user information in a specified management DB, And the cryptographic information management unit 118 manages the i (i? 2) blocks included in the latest updated n-th ciphertext block in the designated block storage area The encrypted money transaction details included in the user password money account of the n-th cipher currency may be read out to calculate the cipher currency unit held in the user's cipher currency account of the n-th cipher currency and stored in the management DB in connection with the user's cipher currency account information. On the other hand, during the process of reading the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block, the cipher information management unit 118 stores the i- A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each of the blocks.

When an application of the user wireless terminal 180 requests payment through the n-th (1? N? N) cipher, the app of the user wireless terminal 180 registers the user information for the user, The user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the n block chain network 165 implementing the n block chain network 165, (For example, a password for password transaction, an authentication code, a registration code, and a certificate information) set for a password currency transaction using a password currency account unit held in the user password money account according to a block chain algorithm , A certificate password, etc.), and the cryptographic information registration unit 115 registers the user's cryptographic information A user-side cryptographic key for identifying the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 165 implementing the n-th cryptographic scheme, Includes the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the account information and the block chain algorithm implemented on the nth block-chain network And the cryptographic information management unit 118 associates the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information with the user information and transmits the user's cryptographic transaction authentication information to the designated management DB Side encrypted money account information and the user's cryptographic currency transaction authentication information So that transactions can occur cryptocurrency for cryptocurrency payments can be managed. In other words, the owner of the cryptographic account can not be identified by the user on the n-th block-chain network 165 through the user's cryptographic account information. However, the cryptographic information manager 118 can not determine the owner of the cryptographic account By storing information and user information in association with each other, the owner of the cryptographic account corresponding to the user-side encrypted money account information can identify and manage the user corresponding to the user information.

On the other hand, when the user-side encrypted money registration information is registered, the encrypted money information managing unit 118 updates i (i, j) included in the latest updated n-th cipher block in the block storage area based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i &gt; The encrypted money transaction details included in i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 170 on the block chain network 165, The user can calculate the cipher unit held in the user's cipher account. In this case, the encrypted money information managing unit 118 may store the encrypted currency unit information held in the user's password money account in the management DB in connection with the user's password money account information.

According to the method of the present invention, the cryptographic information management unit 118 stores i (i? 2) blocks included in the latest updated n-th cipher block in a designated periodic (or repeatedly) designated block storage area (E. G., Verifying the password currency transaction details that include the user side cryptographic account information into or out of the withdrawing account), and / or validating the valid &lt; RTI ID = 0.0 &gt; (I &gt; = 2) blocks included in the latest updated n-th cipher block are read through the node device 170 and stored in the user's cipher account of the n-th cipher currency (Or repeats) the process of calculating the encrypted currency unit and storing the calculated encrypted currency unit information in the management DB.

According to an embodiment of the present invention, the cryptographic information management unit 118 reads the i blocks included in the n-th cipher block to calculate the cipher unit held in the user's cipher account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value included in each block is valid and / or And the validity of the hash values included in each block is verified through the block chain verification value included in each block). In this case, the cryptographic information management unit 118 may execute the cryptographic information management unit 118, If the validity of the hash values included in each block is verified for chaining the i blocks included in the block, the cryptographic unit held in the user's cryptographic account is calculated The user side in conjunction with the password money account information can be stored in the management DB.

Referring to FIG. 1, the operation server 100 checks a currency exchange corresponding to a cipher money block stored in a designated block storage area and exchange rate information for exchanging a specified real currency, And a currency exchange rate update unit 112 for updating the exchange rate information stored in the designated exchange rate storage area by confirming the exchange rate information that is changed every predetermined period when the exchange rate information is changed.

N encrypted banknotes are stored in a designated block storage area through the encrypted banknote storage block 103 and / or N encrypted banknote blocks are stored in a designated block storage area via the crypto coin block update module 106 The encrypted currency exchange rate storage unit 109 stores the exchange rate between the N ciphers corresponding to N encrypted currency blocks stored in the block storage area and the designated real currency (for example, KRW, USD, etc.) Confirm the information and save it in the specified exchange rate storage area.

According to the first exchange rate embodiment of the present invention, the exchange rate information between the encrypted currency and the real exchange currency stored in the exchange rate storage area may include exchange rate information that can be arbitrarily changed (for example, arbitrarily changed according to the sale / have. If the exchange rate information is arbitrarily changed, the encrypted currency exchange rate update unit 112 may periodically update the exchange rate information stored in the designated exchange rate storage area by checking the exchange rate information that varies according to the designated period.

According to the second exchange rate embodiment of the present invention, the exchange rate information stored in the exchange rate storage area may include exchange rate information fixed (or set by a designated agency) without being changed. In this case, the encrypted currency exchange rate update unit 112 may not update the exchange rate information periodically.

Referring to FIG. 1, the operation server 100 includes a payment information receiving unit 121 for receiving payment information including a payment amount from an affiliate terminal 175, a designated code system for uniquely identifying the received payment information, A unique ID code providing unit 127 for providing the unique identification code to the merchant terminal and a unique identification code providing unit 127 for providing the unique identification code to the merchant terminal 175, A unique ID code receiving unit 130 for receiving the unique ID code from an app of the user wireless terminal 180 that has recognized the unique ID code encoded in the user ID code of the user wireless terminal 180, A unique identification code authenticating unit 133 for authenticating validity; a cryptographic money settlement confirmation unit for confirming settlement using the n-th (1? N? N) cryptographic currency for the payment information corresponding to the authenticated unique identification code 136) Respectively.

The merchant terminal 175 receives the payment amount for the reverse sound wave settlement and / or recognizes the product code through at least one recognizer provided in the merchant terminal 175, A payment amount is calculated on the basis of the commodity price of the commodity information and / or a list of commodity information registered in the merchant terminal 175 is displayed, and a DB set on the basis of a selection value inputted through the merchant employee After the process of calculating the payment amount based on the commodity price of the inquired and confirmed commodity information, the payment information including the input / calculated payment amount is formed and transmitted to the operation server 100 through the designated communication network , The payment information receiving unit 121 receives the payment information including the payment amount from the merchant terminal 175.

When the payment information is received from the merchant terminal 175, the unique identification code determiner 124 determines whether payment information received from a specific merchant terminal 175 among the payment information, which is received uniquely from a plurality of merchant terminals 175, The unique identification code of the designated code system is determined in order to identify uniquely and uniquely for a specified period of time. According to the method of the present invention, it is preferable that the unique identification code includes a designated code system capable of authenticating that it is a code used for reverse acoustic wave settlement according to the present invention. For example, the unique ID code may include a serial code generated / assigned without being duplicated, and may include a time code corresponding to the time stamp at which the unique ID code was determined, an arbitrary random number code, And a check sum code for checking the checksum. The checksum code may further include a check sum code for checking the checksum.

When the payment information is received from the merchant terminal 175 and a unique identification code of a specified code system for uniquely identifying the payment information is determined, the unique identification code determination unit 124 maps the payment information and the unique identification code And can be stored and managed in the designated payment management DB. The unique identification code providing unit 127 provides the unique identification code to the merchant terminal.

The merchant terminal 175 receives the unique identification code from the operation server 100 and transmits the unique identification code to the sound wave signal of the sound wave frequency band (for example, an audible frequency band or an invisible frequency band) And transmits the sound wave at the designated signal output intensity. According to the embodiment of the present invention, the merchant terminal 175 specifies the receiver to receive the sound wave signal, broadcasts the sound signal at a short distance instead of feeding the sound wave signal, A device having a sound input unit of the device is capable of receiving the sound wave signal.

The app of the user wireless terminal 180 located near the merchant terminal 175 reads the sound data input through the sound input unit of the user wireless terminal 180 and responds to the sound wave signal transmitted from the merchant terminal 175 And recognizes the unique ID code encoded in the sound wave signal by reading the sound wave data. The app of the user wireless terminal 180 transmits the unique identification code to the specified operating server 100. The unique identification code receiving unit 130 receives the unique identification code, And receives the unique identification code from an app of the user wireless terminal 180 that has recognized the identification code.

Meanwhile, when receiving the unique ID code from the app of the user wireless terminal 180, the unique ID code authenticator 133 authenticates the validity of the received unique ID code based on the code system of the unique ID code And / or compare the unique identification code received from the app of the user wireless terminal 180 with the unique identification code provided to the merchant terminal 175. For example, the unique ID code authenticating unit 133 may authenticate whether a predetermined bit is included in the designated bit region of the unique ID code based on the code scheme, and / or authenticate whether the unique ID code is included in the unique ID code Authenticate that each code is included, and / or perform an authentication procedure to authenticate the checksum of the unique identification code.

When the validity of the unique identification code is authenticated, the encrypted currency settlement confirmation unit 136 reads the received encrypted currency settlement request information while receiving the settlement information from the merchant terminal 175, (N) (1? N? N) cipher based on the block chain by reading the received cipher settlement request information while receiving the unique identification code from the app of the cipher block.

Referring to FIG. 1, the operation server 100 confirms the settlement exchange rate information based on the exchange rate information stored in the exchange rate storage area designated for the n-th cipher currency at the time of confirming the payment request using the n-th cipher currency And a cryptographic unit determining unit 142 for determining a cryptographic unit for settlement corresponding to the settlement amount of the settlement information based on the confirmed settlement exchange rate information.

When the settlement request using the n-th cipher currency is confirmed through the cipher currency settlement confirmation unit 136, the cipher currency exchange rate confirmation unit 139 stores the n-th cipher currency to be used as the payment means in the exchange rate storage area designated Check the exchange rate information based on the exchange rate information.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange storage area are arbitrarily changed according to the first exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 139 reads the cipher currency exchange rate update unit 112), and confirms the current exchange rate information between the n-th ciphered currency and the designated real currency, and confirms the settlement exchange rate information based on the confirmed current exchange rate information. Here, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And exchange rate information adjusted to hedge a loss due to exchange of exchange based on the fluctuation of the exchange rate information of the exchange rate information.

In the case where the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storing area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 139 checks the n-th cipher currency, It is possible to confirm the exchange rate information and confirm the exchange rate information based on the confirmed exchange rate information. Here, the settlement exchange rate information includes at least one of exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, and exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include exchange rate information.

If the settlement exchange rate information between the n &lt; th &gt; cipher currency and the designated real currency is confirmed through the cipher currency exchange rate confirmation unit 139, the cipher currency unit determination unit 142 determines, based on the confirmed settlement exchange rate information, And decides a unit for billing for payment corresponding to the settlement amount of the settlement information.

1, when confirming a payment request using the n-th cipher system, the operating server 100 transmits a cipher unit held by a user on an n-th block-chain network 165 implementing the n-th cipher system A cryptographic currency account identification unit 145 for identifying a user's cryptographic account set for identification, and a cryptographic unit for identifying at least the cryptographic unit based on the user's cryptographic currency account of the n-th cryptographic currency and the latest updated n-th cryptographic currency block of the n-th cryptographic currency And a validity authentication unit 148 for performing one password money settlement validity authentication procedure.

When the settlement request using the n-th cipher money is confirmed through the cipher currency settlement confirmation unit 136, the cipher currency account identification unit 145 inquires of the management DB managed through the cipher information management unit 118 The user can confirm the user's cipher money account established to identify the cipher unit held by the user on the n-th block-chain network 165 implementing the n-th cipher. On the other hand, in accordance with the method, the cryptographic currency account identification unit 145 retrieves the cryptographic unit denominated in the cryptographic unit held by the user on the n block-chain network 165 from the management DB, The user can confirm the user's cryptographic transaction authentication information for proceeding / authenticating the currency transaction. According to another embodiment of the present invention, at least one of the user-side encrypted currency account information and the user-side encrypted currency transaction authentication information may be received from the app of the user wireless terminal 180, It is not limited.

If the user's password account established to identify the cipher unit held by the user on the n-th block-chain network 165 is confirmed through the cipher account checking unit 145, The procedure for authenticating the validity of the password currency settlement based on the password currency transaction for fetching the settlement password currency unit determined through the password currency unit determination unit 142 from the user's password currency account of the password currency and entering the designated password currency account .

According to an embodiment of the first password settlement validity authentication method of the present invention, the validity authentication unit 148 may be configured such that the validity authenticating unit 148 authenticates the user's cryptographic account of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher And a step of authenticating whether or not the settlement amount of the settlement information has a valid cryptographic currency unit in which the settlement amount can be settled. According to the embodiment of the present invention, the validity authentication unit 148 reads the latest updated n-th cipher block (for example, i (i &gt; 2 ) Blocks by reading the withdrawal / withdrawal history of the cryptographic currency based on the cryptographic transaction details included in the n &lt; th &gt; blocks, (Or repeatedly) stored in the management DB designated by the cryptographic information manager 118, and / or the user's cryptographic unit account of the n-th cryptographic unit based on the cryptographic unit information stored periodically N block chain network 165, and / or a valid node device 170 on the n-th block-chain network 165 ) To identify and read the latest updated n-th cipher block, and authenticate whether or not the user has a valid cipher unit capable of paying the payment amount of the payment information in the user's cipher currency account of the n-th cipher currency can do. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but instead controls the number of ciphers specified in each node device 170 provided in the block- The validity authentication unit 148 may read the latest updated n-th cipher block of the n-th cipher key in real time, or may update the cipher block of the n-th cipher, And / or a management DB storing information for reading the latest updated n-th cipher block of the n-th cipher currency, so as to enable the payment of the settlement amount of the payment information in the user's cipher account of the n-th cipher It is possible to perform a cryptographic payment validity authentication procedure to confirm that the cryptographic unit is held.

According to an embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 148 may be configured to authenticate the i &lt; th &gt; And a step of verifying validity of the n-th cipher block by performing a specified verification operation of the hash values. According to an embodiment of the present invention, the validity authentication unit 148 may perform a specified verification operation of hash values included in i (i? 2) blocks included in the latest updated n-th cipher block, I &lt; / RTI &gt; included in the nth cipher currency block used to calculate the cipher unit held in the user's cipher currency account of the node device 170 on the nth block-chain network 165 and / 2) blocks of the hash values. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but rather a plurality of node devices 170 provided in the block- The validity authentication unit 148 may determine whether the latest updated n-th cipher block of the n-th cipher is valid by using the cipher currency validation authentication procedure Can be performed. According to the embodiment of the present invention, when validity of the n-th cipher block is verified through the validity authenticator 148, the process of calculating the cipher unit held in the user's cipher account of the n-th cipher Is preferably performed.

According to the third embodiment of the present invention, the validity authentication unit 148 may include the user's password account as the withdrawal account from among the details of the encrypted currency transaction transmitted to the n-th block-chain network 165 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

According to the method of the present invention, the block-chain algorithm for implementing the block-chain-based cryptography is a method for real-time chaining the encrypted currency transaction details generated for the cryptographic currency transaction in each transaction history unit when a predetermined cryptographic currency transaction occurs (I.e., not including the hash value of the previous password transaction history in the current password transaction history), blocks the encrypted currency transaction history generated for a predetermined time (and / or a predetermined number of times) (I.e., include the hash value of the previous block linked from the original block into the current block and / or generate or apply the block chain verification value for the hash value of the current block) In order for the encrypted currency transaction details to be blocked or chained in the encrypted currency block, a predetermined (or predetermined) This is necessary. For example, in some block-chain-based cryptography, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Accordingly, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as the withdrawal account is broadcast to the nth block-chain network 165 at a certain point in the past, The user-side withdrawal-related cipher transaction history may be a standby state not included in the n-th cipher block before the waiting time set for blocking or chaining the n-th block-chain algorithm.

Meanwhile, according to some block-chain algorithms, a plurality of node devices 170 provided on the block-chain network 165 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 170 issues a new cryptogram to the device 170 and / or provides a transaction fee of the cryptographic transaction details contained in the block-chained block to the node device 170 that has succeeded in block-chaining, You can include a high transaction fee in a block that you create, and you can exclude or include it in a block. Therefore, in the case of the partial password transaction details broadcasted to the block-chain network 165, even if the waiting time on the corresponding block chain algorithm is set to 10 minutes, the node devices 170 provided in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In the extreme, in the case of some encrypted currency transaction details, it may not be included in the cipher block until the corresponding block chain network 165 is closed. Therefore, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on a time point when the payment request using the n-th cipher currency is confirmed, it is desirable that there is no user-side withdrawal-related unrecognized password currency transaction history on the n block-chain network 165. This prevents delays in the password transaction for settlement or improves the error occurrence probability .

According to an embodiment of the present invention, when the payment authenticating unit 148 confirms a payment request using the n-th cipher money, the validity authenticator 148 transmits the payment request using the n-th cipher money to the n-th block- The at least one user side withdrawing account including the user's cryptographic account as a withdrawal account among the cryptographic transaction details broadcasted to the nth block-chain network (165) If the at least one user-side withdrawal-related cipher transaction transaction history including the user's cipher account as an withdrawal account is confirmed, the verified user-side withdrawal-related cipher currency transaction details are stored in the n-th password It is possible to carry out a procedure for confirming whether or not it is a standby state not included in the money block. If at least one user-side withdrawal account including the user's cryptographic account as a withdrawal account among the details of the cryptographic currency transactions transmitted to the n-th block-chain network 165 based on a time point when the payment request using the n-th cryptographic currency is confirmed, If the related password money transaction details are not confirmed and / or the user-side withdrawal-related password money transaction details broadcasted to the n-th block-chain network 165 are confirmed, the confirmed user- If the validity authentication unit 148 includes the ciphertext block (or is immediately included) and is finally determined as a valid ciphertext transaction, the validity authentication unit 148 can authenticate the validity of the ciphertext payment using the nth ciphertext. On the other hand, at least one user-side withdrawal account including the user's cryptographic account as the withdrawal account among the cryptographic transaction details broadcasted to the n-th block-chain network 165 based on the time point when the payment request using the n-th cipher currency is confirmed Or the user side withdrawal related cipher transaction history broadcasted to the n &lt; th &gt; block chain network 165 is not included in the n &lt; th &gt; The validity authentication unit 148 can confirm that the validity of the password currency settlement using the n-th cipher currency is invalid according to the specified rule. For example, the validity authentication unit 148 may transmit the user's password account of the encrypted currency transaction history broadcasted to the n-th block-chain network 165 on the basis of the time when the payment request using the n-th cipher currency is confirmed When the at least one user-side withdrawal-related cipher transaction history included in the withdrawal account is confirmed, it can be confirmed that the validity of the cipher currency payment using the n-th cipher currency is invalid. Alternatively, the validity authentication unit 148 may transmit the user's password account to the withdrawal account of the encrypted currency transaction details broadcasted to the n-th block-chain network 165 based on the time point when the payment request using the n-th cipher currency is confirmed And the at least one user-side withdrawal-related cipher transaction transaction history including the at least one user-side withdrawal-related cipher transaction transaction history included in the n-th cipher block, It can be confirmed that the payment validity is invalid. Alternatively, the validity authentication unit 148 may authenticate the validity of the encrypted currency settlement as in the fourth password settlement validity authentication example described below.

According to the embodiment 4 of the present invention, the validity authentication unit 148 may be configured to retrieve the user's password in the waiting state including the user's cryptographic account as the withdrawal account on the n-th block-chain network 165 When the user confirms the related unconfirmed password currency transaction details, the user uses the at least one encrypted currency unit among the encrypted currency unit included in the confirmed undisplayed password currency transaction details related to the user-side withdrawal related relationship and the encrypted currency unit held in the user password money account, And a step of authenticating whether or not the encrypted currency unit has a valid encrypted currency unit capable of paying the settlement amount of the payment information. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 165, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 148 checks whether the password currency account unit held in the user password currency account is smaller than or equal to the password currency unit corresponding to the payment amount of the payment information, It can be confirmed that it is authenticated. Alternatively, for example, if the block-chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 165 after the user-side withdrawal-related cipher transactional transaction is broadcasted, In the case where the encrypted password account unit is included in the money block and the password currency account unit held in the user password currency account is subtracted, the validity authentication unit 148 determines whether or not the encrypted currency unit corresponding to the payment amount of the payment information, Confirming that the sum of the cipher units included in the related unrecognized cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher currency account, it can be confirmed that the cipher currency payment validity is authenticated.

According to the embodiment 5 of the present invention, the validity authentication unit 148 may be configured to at least partially combine at least two embodiments among the first through fourth password settlement validity authentication embodiments It is possible to certify the validity of the password currency settlement, and it is evident that the present invention can also include the embodiment of this type in the scope of the present invention.

Referring to FIG. 1, when the operation server 100 authenticates one or more designated password settlement validity, the operation server 100 transmits the settlement of the payment information using the cipher unit denominated in the user's cipher currency account of the n-th cipher currency A cryptographic transaction processing unit 151 for executing a cryptographic transaction procedure designated for payment of the amount of money, and a cryptographic transaction processing unit 151 for checking the cryptographic operation based payment result information that has processed the payment information through the n-th cryptographic currency within a predetermined period And a result information providing unit 160 for providing the encrypted money based settlement result information to the app of the user wireless terminal 180 and the merchant terminal 175, And a cryptographic currency transaction management unit 154 for managing the cryptographic currency transaction to be effectively included in the n-th cryptographic currency block during the course of the transaction procedure.

If the validity authentication unit 148 verifies the validity of one or more designated password currency settlements (for example, when the settlement processing of the settlement information is possible through the n-th cipher currency and / or the password transaction for settlement is generated The cryptographic transaction processing unit 151 transmits the encrypted password to the user's cryptographic account of the n-th cipher chain, A password for a settlement for withdrawing from the user's cryptographic account of the n-th cryptographic currency the settlement decryption unit determined by the cryptographic unit determination unit 142, The transaction history may be generated and broadcasted to the n-th block-chain network 165.

According to the first billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, You may include escrow cryptographic accounts of nth cryptographic currency designated for escrow that you are saving to exchange. In the present invention, the billing password transaction recorded in the n-th block-chain network 165 is a transaction history of the cryptographic transaction, not a transaction history of the encrypted currency and the real currency. Therefore, in order for the billing unit for the billing currency withdrawn from the user's cryptographic account of the n-th cipher currency to be converted into the real currency unit, the selling of the cipher unit using the designated cipher currency exchange (for example, the exchange operated by the affiliated exchange or the operator) At least one currency exchange transaction including exchange transactions using real currency based on buy / sell transactions and / or currency exchange transactions using exchange allowance of a business person should be generated, and the exchange transaction to such a real currency takes a certain time. On the other hand, since the password-based settlement using the n-th cipher currency as the settlement means is processed and the cipher currency unit for settlement held in the user's cipher currency account of the n-th cipher currency is fetched, The user may include an escrow cryptographic currency account of the nth cryptographic currency designated to temporarily store the billing currency unit withdrawn from the user's cryptographic account of the nth cryptographic currency until the currency unit is converted into the real currency unit.

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, when the exchange transaction of the n-th cipher currency is actively performed in real time, and the cipher unit determining unit 142 determines the unit of the cipher unit for payment corresponding to the payment amount of the payment information, when the value of the n-th cipher currency is lower than a current rate of the n-cipher currency by a certain ratio to calculate the cipher unit for billing, (Or within a specified time). Alternatively, when a company purchases the above-mentioned settlement unit for currency using a predetermined exchange allowance, the settlement unit may be bought in real time (or within a designated time) at the same time as the sale request. If the billing unit for billing is available for purchase in real time (or within a designated time) at the same time as the bid request, the billing password account is used to sell the billing password unit held in the user's password account of the nth password And a buyer's cryptographic account that holds the buyer's cryptographic units that request and buy in real time (or within a specified time).

According to the third embodiment of the password settlement account of the present invention, the merchant that supports the password money settlement can settle the settlement amount using the n-th cipher currency instead of the real currency. If the merchant's password money account information corresponding to the merchant's password money account for the nth password transaction of the merchant is registered through the merchant terminal 175 or the designated registration terminal, The merchant's cryptographic currency account. In this case, the billing unit for billing for withdrawal from the user's password account of the n-th cipher can be entered into the account of the merchant cipher.

On the other hand, in the case where the idle state user-side withdrawal-related unrecognized password currency transaction details including the user password money account as the withdrawal account is confirmed on the nth block-chain network 165 through the validity authentication unit 148, The money transaction management unit 154 may use the n-th cipher than the confirmed uninitiated cipher transaction history in connection with the block chaining process based on the block chain algorithm implemented in the n-th block-chain network 165 The cryptographic unit may perform a procedure designated to include in the n-th cipher block for the settlement of the password transaction for billing generated for payment and broadcast to the n-block-chain network 165. [ For example, when a block-chain algorithm implemented in the n-th block-chain network 165 is transmitted to the node device 170 that has successfully block-chained among a plurality of node devices 170 provided on the n-th block- The cryptographic currency transaction management unit 154 may be configured to determine whether or not the transaction fee of the cryptographic currency transaction included in the block-cached block is greater than the transaction fee set in the confirmed user- It is possible to set the transaction fee of the settlement password currency transaction history to be higher so that the settlement password currency transaction history is included in the nth cipher currency block before the user-side withdrawal-related unconfirmed password currency transaction details. Alternatively, when the operator operating the operation server 100 implements and operates the n-th block-chain network 165, the payment password transaction history is given priority and the password transaction history May be set so as to be included in the n &lt; th &gt; ciphered currency block prior to the unauthorized cipher transaction history related to the user side withdrawal.

Meanwhile, the result information confirming unit 157 receives the n &lt; th &gt; cipher money transaction &lt; RTI ID = 0.0 &gt; Based payment result information that has processed the settlement of the payment information through the Internet. If the billing password transaction details are broadcast to the n-th block-chain network 165 through the cryptographic transaction processing unit 151, the result information verifying unit 157 obtains It is possible to confirm the payment result information including the result of the password-based payment approval.

According to the first result information confirmation embodiment of the present invention, the result information confirmation unit 157 transmits the password transaction history to the n-th block-chain network 165 via the cryptographic transaction processing unit 151 The payment result information including the result of the password-based payment approval for the payment information can be checked before the payment password transaction is included in the nth password block. On the other hand, if the settlement password transaction history is not yet included in the n-th cipher currency block, the result information verifier 157 obtains a result of the cipher sucking for the cipher money settlement (e.g., Based on the result of the payment approval of the final settlement state).

According to the second result information checking embodiment of the present invention, when the settlement password currency transaction details are broadcasted within the predetermined time after the settlement password money transaction details are broadcasted to the nth block chain network 165, Block (for example, when the cycle of incorporating the encrypted currency transaction details into the n &lt; th &gt; cipher block is within a specified reference time, and / or if the operation server 100 determines that the password transaction The result information confirming unit 157 confirms that the settlement password transaction history is broadcast to the n-th block-chain network 165 through the cryptogram transaction processing unit 151 After confirming that the above-mentioned settlement password currency transaction history is included in the n-th cipher currency block, the settlement result information including the result of the password-based settlement approval for the settlement information It can be found. On the other hand, if the settlement password transaction details are included in the n-th cipher block, the result information verifier 157 obtains the actual approval result (for example, The result of the payment approval corresponding to the details of the password transaction of the settlement for payment).

The result information providing unit 160 transmits the cryptogram-based payment result information confirmed according to the first or second result information checking example to the app and / or merchant terminal 175 of the user wireless terminal 180 And the app and / or merchant terminal 175 of the user wireless terminal 180 may receive and output the cryptography-based payment result information.

FIG. 2 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on the block-chain network 165 according to an embodiment of the present invention.

In more detail, FIG. 2 is a block diagram of a block cipher system according to an exemplary embodiment of the present invention. Referring to FIG. 2, blocks or blocks are generated or agreed upon according to a block chain algorithm implemented on N block chain networks 165 implementing N (N? 1) And stores the coded block in the designated block storage area. The new block is newly created or agreed according to the block chain algorithm implemented on the N block-chain network 165, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the scope and spirit of the present invention. It will be appreciated that various implementations (e.g., some steps omitted or alternate implementations) may be deduced, And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

2, a node device 170 on a block-chained network 165 receives a specified number of cryptographic transactions 162 broadcast to the block-chain network 165 in accordance with a block- And transmits the generated new block to another node device 170 on the block-chain network 165 to perform a block-chaining process. Then, the agreed-upon blocks are chained (200), the operation server 100 performs a procedure of distributing and storing a cipher block including the cipher block to each of the node devices 170. The operation server 100 includes N block chain networks (205) that is generated or agreed upon in accordance with the block-chaining algorithm implemented on block 165 and contains the cached blocks. If the encrypted money block is confirmed, the operating server 100 stores the identified encrypted money block in a designated block storage area (210).

Thereafter, the operation server 100 confirms (215) whether a new block is created or agreed according to the block chain algorithm specified on the block chain network 165 corresponding to the encrypted money block stored in the block storage area. If a new block is created or agreed on the block-chain network 165, the operating server 100 identifies (220) a new block that is newly created or agreed on the block-chain network 165, Stores the updated new block in the cipher block stored in the cipher block network and updates and stores the new block in the cipher block stored in the block storage area The updating and storing process is repeated periodically and / or continuously. As a result, the latest cipher block can always be kept in the block storage area.

FIG. 3 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.

In more detail, FIG. 3 shows a process of confirming and storing and / or updating exchange rate information set for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, Those skilled in the art will be able to refer to and / or modify the FIG. 3 to understand various methods of managing the exchange rate information (e.g., some steps may be omitted, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 3, the operation server 100 confirms the exchange rate information set for the exchange between the cryptographic currency corresponding to the encrypted currency block stored in the designated block storage area and the designated real currency (300). For example, the operation server 100 can check the exchange rate information in cooperation with a server of a designated cryptographic exchange. Alternatively, the operation server 100 may check the exchange rate information by referring to the block chain network 165 corresponding to the encrypted currency block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 100 stores the confirmed exchange rate information in the designated exchange rate storage area (305).

On the other hand, if the exchange rate information is periodically fluctuating exchange rate information, the operation server 100 checks the current exchange rate information which is varied according to the designated dony period (310) The current exchange rate information is updated and stored (315), so that exchange rate information that can be immediately exchanged can be maintained in the exchange rate storage area.

FIG. 4 is a diagram illustrating a process of registering information for a user-side cryptographic currency transaction according to an embodiment of the present invention.

FIG. 4 is a block diagram illustrating a user's information about a user, a user's password money account information for the user's password money transaction, and a user's password money transaction authentication information for a real name-based password currency transaction using a password held by a user The user can register and store the user's password money registration information including the user's password in the information registration process of the present invention. If a person skilled in the art is aware of the present invention, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood and appreciated that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 4, when the user of the user wireless terminal 180 registers the user information using the n-th cipher (400), the operation server 100 receives the user information and stores it in the designated management DB 405). On the other hand, in the app of the user wireless terminal 180, a user side password money account that identifies a user password money account established to identify a cryptographic currency unit held by the user on the nth block-chain network 165 implementing the nth cryptographic currency And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block- When the user side password money registration information is registered 410, the operating server 100 receives 415 the user side password money registration information including the user side password money account information and the user side password money transaction authentication information, , The user side password money account information and the user side password money transaction authentication information are linked with the user information to the designated management DB Section by section 420, stores information for the user-side password monetary transactions based blindness.

The node devices 170 on the n-th block-chain network 165 corresponding to the n-th cipher are broadcasted to the n-th block-chain network 165 in accordance with a block-chaining algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with the previous block including the specified number of encrypted currency transaction details and transferring the generated new block to another node device 170 on the n-th block- The operation server 100 performs a procedure of distributing and storing the ciphered blocks including the agreed blocks in the respective node devices 170 through the process of FIG. N &lt; / RTI &gt; cipher block of the n &lt; th &gt; cipher from the block storage area and / And the latest update of the n-th cipher block currency of the n-th cipher currency from the node device 170 (430).

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) The validity is verified (435). If the validity of the n &lt; th &gt; ciphered currency block is not verified, the operating server 100 (again) verifies the latest valid valid n &lt; th &gt; cipher block from the valid node device 170 of the n & Stored in a designated block storage area (440), and (re-) checking the validity of the confirmed / stored nth encrypted currency block.

On the other hand, if the validity of the n-th cipher block is not verified, the operating server 100 reads the details of the cipher transactions included in the i blocks included in the verified n-th cipher block, The user's currency of currency The currency unit of currency held in the account is calculated (445). If the cryptographic unit held in the user's cryptographic account of the n-th cipher is calculated, the operating server 100 associates the cipher unit information held in the user's cipher account with the user's cipher account information And stores it in the management DB (450).

FIG. 5 is a diagram illustrating a process of registering information for a password transaction on the merchant's side according to an embodiment of the present invention.

More specifically, FIG. 5 shows registration and storage of merchant-side password money registration information including merchant identification information that identifies an affiliated merchant, password information of the merchant for the merchant-side password transaction and authentication information of the merchant- It will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention by referring to and / 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. 5, when the merchant receives settlement settlement using the n-th cipher instead of the real money, the merchant identification information identifying the merchant that can settle and settle the settlement through the n-th cipher money is registered in the merchant terminal 175 ), The operation server 100 receives the merchant identification information and stores it in the designated management DB (505). On the other hand, on the merchant terminal 175, a merchant-side password (e.g., a password) identifying the merchant's cryptographic account set for identifying the cryptographic unit held by the merchant (or merchant) on the n-th block- The cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account according to the money account information and the block chain algorithm implemented on the nth block- (510), the operating server 100 receives merchant-side password money registration information including the merchant-side password money account information and merchant-site password money transaction authentication information ( 515), associating the merchant-side encrypted money account information and the merchant's password money transaction authentication information with the merchant store identification information By storing 520 in the management DB, information for the password transaction of the merchant based on the real name is stored.

The node devices 170 on the n-th block-chain network 165 corresponding to the n-th cipher are broadcasted to the n-th block-chain network 165 in accordance with a block-chaining algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with the previous block including the specified number of encrypted currency transaction details and transferring the generated new block to another node device 170 on the n-th block- The operation server 100 performs a procedure of distributing and storing the ciphered money blocks including the agreed blocks in the respective node devices 170 (525) N &lt; / RTI &gt; cipher block of the n &lt; th &gt; cipher from the block storage area and / And the latest update of the n-th cipher block currency of the n-th cipher currency from the node device 170 (530).

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) The validity is verified (535). If the validity of the n &lt; th &gt; ciphered currency block is not verified, the operating server 100 (again) verifies the latest valid valid n &lt; th &gt; cipher block from the valid node device 170 of the n & Stored in a designated block storage area (540), and (re-) checked the validity of the confirmed / stored nth encrypted currency block.

On the other hand, if the validity of the n-th cipher block is not verified, the operating server 100 reads the details of the cipher transactions included in the i blocks included in the verified n-th cipher block, The cryptographic unit held in the merchant's cryptographic account of the currency is calculated (545). If the encrypted currency unit held in the merchant's cryptographic account of the n-th cipher is calculated, the operating server 100 associates the encrypted currency unit information held in the merchant's cipher currency account with the merchant's cipher account information And stores it in the management DB (550).

FIG. 6 is a flowchart illustrating a process of confirming reverse sound wave settlement using a cipher according to an embodiment of the present invention.

6, if the payment information including the payment amount is provided from the merchant terminal 175, the operation server 100 determines a unique identification code of the designated code system that uniquely identifies the payment information and transmits the payment information to the merchant terminal 175 The user wireless terminal 180, which has received the unique identification code from the merchant terminal 175 and transmits the sound signal encoded by the unique identification code at a short distance and recognizes the unique identification code encoded in the sound signal, If the unique ID code is transmitted from the app of the mobile phone, the reverse identification of the sound wave using the encrypted money is confirmed by receiving or authenticating the unique identification code. If a person of ordinary skill in the art to which the present invention belongs, Referring to and / or modified with reference to FIG. 6, various methods of confirming the reverse sound wave payment using the encryption money (for example, The present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments, and various modifications may be made without departing from the scope of the present invention.

Referring to FIG. 6, the merchant terminal 175 constructs payment information including a payment amount according to a designated procedure (600), transmits the payment information through a designated communication path (605) (610) the payment information through the designated communication path.

The operation server 100 determines a unique identification code of a designated code system that uniquely identifies the payment information, maps the payment information and the unique identification code, stores the mapped payment information, The merchant terminal 175 receives the unique identification code through the designated communication path 630 and encodes the unique identification code into the sound signal of the designated frequency band (Or adjusted) to a signal strength (for example, a sound power output strength that can be effectively input at a specified distance), and transmits the sound wave (635).

Meanwhile, when the unique ID code is encoded in the sound wave signal of the frequency band designated by the merchant terminal 175 and the sound wave is transmitted (635), the app of the user wireless terminal 180 transmits the sound wave signal And recognizes the unique ID code encoded in the sound wave signal (640). Meanwhile, the application of the user wireless terminal 180 may perform a user authentication procedure using a password or a living body before inputting the sound wave signal and recognizing the unique identification code, so that the present invention is not limited thereto.

When the application of the user wireless terminal 180 transmits the recognized unique identification code to the operation server 100 through the communication network 645, the operation server 100 transmits the communication network from the application of the user wireless terminal 180 The unique identification code is received (650) and the validity of the received unique identification code is authenticated (655). If the validity of the unique identification code is authenticated, the operation server 100 can process the settlement-based payment for the settlement information. On the other hand, if the validity of the unique ID code is not authenticated, the operation server 100 provides error information through a communication network 660, and the app of the user wireless terminal 180 receives the error information through a communication network (665).

FIG. 7 is a flowchart illustrating a process for confirming a settlement based on a password according to an embodiment of the present invention.

In more detail, FIG. 7 is a flow chart illustrating an example of a process of checking settlement exchange rate information based on a n-th cipher currency and a real currency exchange rate when an n-th cipher currency based settlement is requested from an app of a user wireless terminal 180 A step of confirming the settlement consent of the user for the settlement exchange rate information (and / or the ciphering currency unit for settlement) through the application of the user wireless terminal 180 after confirming the settlement password unit corresponding to the settlement amount of the information Those skilled in the art will be able to refer to and / or modify FIG. 7 to illustrate various implementations of the cryptography-based payment verification process (e.g., some steps may be omitted , Or alternatively, the order may be changed), but the present invention includes all of the above-mentioned embodiments, Only not exclusively those technical features.

Referring to FIG. 7, when an n-th cipher based payment for payment information is requested from an app of the user wireless terminal 180 through the process of FIG. 6, the operation server 100 transmits an n-th And confirms the password-based settlement request (700). If the n-th cipher based payment request is confirmed, the operation server 100 determines the settlement exchange rate information based on the n-th cipher currency and the real currency exchange rate information stored in the exchange rate storage area, (705), and determines a cipher unit for payment corresponding to the payment amount of the payment information based on the confirmed settlement exchange rate information (710).

On the other hand, the operation server 100 configures 710 the encrypted currency settlement confirmation information including the settlement currency exchange information (and / or the settlement currency unit), and provides the encrypted currency settlement confirmation information through the communication network (720). The application of the user wireless terminal (180) receives and outputs the encrypted money settlement confirmation information through a communication network (725).

Meanwhile, the application of the user wireless terminal 180 confirms the settlement agreement of the user with respect to the encrypted money settlement confirmation information (730). If the payment agreement of the user is not confirmed, the app of the user wireless terminal 180 may stop the cipher-based payment (735). On the other hand, if the payment agreement of the user is confirmed, the app of the user wireless terminal 180 receives or extracts the user confirmation information corresponding to the password settlement payment agreement (740) and transmits the user confirmation information through the communication network (Operation 745), the operation server 100 receives the user confirmation information through a communication network (operation 750).

The operation server 100 authenticates the validity of the user confirmation information (755). If the validity of the user confirmation information is not authenticated, the operation server 100 provides error information through a communication network 760, and the application of the user wireless terminal 180 transmits the error information through a communication network And receives and outputs it (765).

FIG. 8 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.

8, in order to identify a cryptographic unit held by a user on the n-th block-chain network 165 implementing the n-th cipher system, when the operation server 100 confirms a payment request using the n-th cipher system Checking the set user password currency account, and performing one or more password currency validity authentication procedures based on the user's password currency account of the n-th cipher currency and the latest updated n-th cipher currency block of the n-th cipher currency Those skilled in the art will appreciate that various changes and modifications may be made to the present invention without departing from the spirit and scope of the present invention. For example, Or alternatively, the order may be changed). However, the present invention includes all of the above-described embodiments, Only the exemplary method shown in FIG. 8 is not limited that technical feature.

Referring to FIG. 8, if the n-th cipher based settlement is requested through the process of FIG. 6 and / or the cipher unit for the settlement is determined through the process of FIG. 7, or the user consent for the cipher- The operation server 100 determines the user's password account established to identify the cipher unit held by the user on the n-th block-chain network 165 implementing the n-th cipher system, (800). If the user encryption account is not confirmed, the operation server 100 provides error information through a communication network (805), and the app of the user wireless terminal 180 receives the error information through a communication network and outputs the error information (810).

The node devices 170 on the n-th block-chain network 165 corresponding to the n-th cipher are broadcasted to the n-th block-chain network 165 in accordance with a block-chaining algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with the previous block including the specified number of encrypted currency transaction details and transferring the generated new block to another node device 170 on the n-th block- (815) a process of distributing and storing the cryptographic blocks including the agreed blocks in each node device 170 after the cryptographic blocks of the n &lt; th &gt; , The operating server 100 checks the latest updated n-th cipher block of the n-th cipher from the designated block storage area through the process of FIG. 2 and / (820) the latest updated n-th cipher block of the n-th cipher from the node device 170 on the n-th block-chain network 165 corresponding to the n-th cipher.

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) And performs a cryptographic payment validity authentication procedure for authenticating validity (825). If the validity of the n-th cipher block is not authenticated, the operating server 100 provides error information through a communication network (805), and the app of the user wireless terminal (180) (810).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 100 adds the n-th cipher block to the user's cipher account of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher (830) a cryptographic payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether or not it has a valid cryptographic currency unit in which the payment amount of the payment information can be paid. If the validity of the user's password unit is not authenticated, the operating server 100 provides error information through a communication network (805), and the app of the user wireless terminal 180 transmits the error information through a communication network And outputs it (810). According to an embodiment of the present invention, when the validity of the user-held cipher currency unit is authenticated, the operating server 100 uses the n-th cipher currency to perform a cipher currency transaction procedure for the cipher-based settlement of the payment information The present invention is not limited thereto.

On the other hand, if the validity of the user-held cipher currency unit is authenticated, the operating server 100 transmits a password transaction to the n-th block-chain network 165 based on a time point at which the payment request using the n-th cipher currency is confirmed And a password cryptograph to authenticate the block chaining validity that includes the user's cryptographic account as a withdrawal account and authenticate that there is no idle-state withdrawal-related inexact cryptographic currency transaction details not included in the n-th cryptographic currency block A payment validity authentication procedure is performed (835). According to an embodiment of the present invention, when the validity of the block chaining is authenticated, the operation server 100 performs a cryptographic currency trading procedure for the settlement-based settlement of the settlement information using the n-th cipher currency And the present invention is not limited thereto.

If the validity of block chaining is not verified by confirming the idle-state user-side withdrawal-related unrecognized password currency transaction details including the user's password money account as the withdrawal account on the n-th block-chain network 165, (100) further comprises a step of, in the user's cryptographic account, using at least one of the encrypted denominations contained in the confirmed uninitialized encrypted currency transaction details and the encrypted denominations held in the user's cryptographic account (840) a cryptographic payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user has a valid cryptographic currency unit in which the payment amount of the payment information can be paid. According to an embodiment of the present invention, when the validity of the user-held cipher currency unit is authenticated, the operating server 100 uses the n-th cipher currency to perform a cipher currency transaction procedure for the cipher-based settlement of the payment information The present invention is not limited thereto.

If the block chaining validity is not authenticated and / or if the user does not authenticate the user with the password cryptographic module, If the validity of the user-held cipher currency unit is not authenticated by using at least one of the encrypted currency unit included in the side withdrawal-related unconfirmed password currency transaction details and the encrypted currency unit held in the user's password money account, The operation server 100 transmits the above-mentioned password transaction for settlement to the banking chain based on the block chain process based on the block chain algorithm implemented in the n-th block-chain network 165, Lt; RTI ID = 0.0 &gt; n &lt; / RTI &gt; (845), the cipher transaction procedure for the settlement-based settlement of the settlement information can be performed using the n-th cipher currency. In this case, the operation server 100 may determine that there is a user-withdrawal-related undeclared password currency transaction history previously broadcasted to the n-th block-chain network 165 and / or that the unauthorized password- To the application of the user wireless terminal 180. In this case, the present invention is not limited to this.

9 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a case where the operation server 100 authenticates at least one designated password settlement validity by using the encrypted currency unit held in the user's password account of the n-th cipher currency, It is possible to use the cryptographic transaction processing procedure of the present invention as shown in FIG. 9 and / or the modification of the present invention. It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention may be practiced otherwise than as specifically described herein, The technical characteristics thereof are not limited.

Referring to FIG. 9, when at least one designated password settlement validity is authenticated through the process of FIG. 8, the operation server 100 determines whether the password of the n &lt; th &gt; (915) a payment password transaction description for withdrawing the payment password unit corresponding to the payment amount of the payment information and transferring the unit to the designated password account for settlement (915) And performs a procedure of broadcasting the generated password transaction details for settlement to the chain network 165 (905). The node devices 170 on the n-th block-chain network 165 corresponding to the n-th cipher are broadcasted to the n-th block-chain network 165 in accordance with a block-chaining algorithm implemented in the corresponding block- And generates a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details including the settlement password transaction, and transmits the generated new block to another node device 170, and performs a process of distributing the encrypted money blocks including the agreed-upon blocks to each of the node devices 170 (910).

On the other hand, the operation server 100 broadcasts the password transaction information for settlement to the n-th block-chain network 165 and then transmits a password-based settlement request including a password- The result information is confirmed (915). If the password-based payment result information is confirmed, the operation server 100 provides the cryptography-based payment result information to the app of the user wireless terminal 180 and the merchant terminal 175 (920) The app of the wireless terminal 180 and the merchant terminal 175 receive and output the cipher-based payment result information (925).

100: Operation server 103: Crypto-money block storage unit
106: a cipher block updating unit 109: a cipher currency exchange storage unit
112: Password Currency Exchange Rate Update Unit 115: Password Money Information Registration Unit
118: Password Money Information Management Unit 121: Payment Information Receiving Unit
124: unique identification code determination unit 127: unique identification code provider
130: unique identification code receiving unit 133: unique identification code authentication unit
136: Cryptographic currency settlement confirmation unit 139: Cryptographic currency exchange rate confirmation unit
142: Cryptographic unit determining unit 145: Cryptographic currency checking unit
148: validity authentication unit 151: cryptographic transaction processing unit
154: Cryptographic money transaction management unit 157: Result information confirmation unit
160: Result information provider 165: Block Chain Network
170: Node device 175: Merchant terminal
180: wireless terminal

Claims (31)

A method of executing via an operation server communicating with a user wireless terminal and operable with an affiliate terminal operating at an affiliate store,
A cryptographic block including chained blocks created or agreed on N block-chain networks that implement N (N &gt; = 1) ciphers based on a block chain is identified and stored in a designated block storage area, A first step of checking and updating the agreed block;
A second step of receiving payment information including a payment amount from the merchant terminal;
Determining a unique identification code of a designated code system that uniquely identifies the received payment information, and providing the unique identification code to the merchant terminal;
A fourth step of receiving and authenticating the unique ID code from an app of a user wireless terminal that has recognized a unique ID code encoded in a sound wave signal transmitted from a sound wave from the merchant terminal;
A fifth step of confirming payment using the n-th (1? N? N) cipher currency for the payment information corresponding to the authenticated unique identification code;
Wherein the control unit checks the user's cryptographic account of the n-th cipher currency upon checking the payment request using the n-th cipher currency, and updates the user's cipher account of the n-th cipher with the latest updated n-th cipher A sixth step of performing at least one encrypted currency settlement validity authentication procedure based on the block;
Performing a cryptographic currency transaction procedure for payment of the payment amount of the payment information using the cryptographic unit held in the user's cryptographic currency account of the nth cryptographic currency when the at least one specified cryptographic currency payment validity is authenticated Step 7; And
Based payment result information that has processed settlement of the settlement information through the n-th cipher currency, and providing the result to the app of the user wireless terminal and the merchant terminal, .
The method of claim 1,
And a cryptographic unit for generating a block according to a block chain algorithm implemented on a designated block-chain network and participating in an active node capable of making a consensus request, in response to the operation server (or the node apparatus connected to the operation server) And a sound wave settlement method using a password.
The method of claim 1,
The operation server (or the node device connected to the operation server) is created or agreed through a block chain algorithm implemented on a designated block-chain network, and a cipher money And transmitting the sound wave to the sound wave receiver.
The method of claim 1,
And a password of an operator issued through a block chain network implemented by an operator operating the operating server.
5. The method of claim 4, wherein the block chain network implemented by the operator further comprises:
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network partially mixing characteristics of a public block chain network and a private block chain network.
2. The method according to claim 1,
A cipher block containing blocks ciphered or generated according to a block-chain algorithm implemented on N block-chain networks implementing N (N &gt; = 1) ciphers implemented on a block-chain is identified and designated Storing in a block storage area; And
Performing a procedure of identifying a new block newly created or agreed upon according to a block chain algorithm implemented on the N block-chain networks and chaining and updating the new block in a cryptographic block stored in a designated block storage area; And a sound wave settlement method using a password.
The method according to claim 1,
If the payment is made through the n-th cipher instead of the real money at the merchant,
An affiliated store that is registered to identify the merchant identification information that identifies the merchant that can settle and settle the settlement through the n-th cipher currency, and which is set up to identify the cipher unit held by the merchant (or merchant) A merchant-side password money account information identifying a cryptographic account and a franchise-point password account established for a cryptographic currency transaction using a cryptographic account unit held in the merchant cryptographic account in accordance with a block-chain algorithm implemented on the n-th block- A registration step of registering merchant-side password money registration information including cryptographic transaction authentication information; And
And a management step of managing the franchise-side cipher currency transaction information by storing the franchise-side cipher account information and the franchise-side cipher transaction authentication information in association with the franchisee identification information in a designated management DB, Sound wave payment method using money.
8. The method according to claim 7,
Reads the encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated n-th cipher currency block in the designated block storage area and stores the encrypted currency transactions held in the merchant cipher currency account of the n-th cipher A calculating step of calculating a unit; And
And storing the encrypted currency unit information held in the merchant's password money account in association with the merchant's password money account information in the management DB.
9. The method according to claim 8,
And verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, Sound wave payment method using cryptography.
The method according to claim 1,
A user side terminal for registering user information for the user through an app of a user wireless terminal and for identifying a user's cryptographic account established to identify a cryptographic unit held by a user on an nth block- And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account in accordance with the cryptographic account information and the block chain algorithm implemented on the nth block- A registration step of performing a procedure of registering user-side password money registration information; And
And a management step of managing the user's cipher currency transaction information by storing the user's cipher currency account information and the user's cipher currency transaction authentication information in a designated management DB in association with the user information, .
11. The method according to claim 10,
Reads the encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated n-th cipher currency block in the designated block storage area, and stores the encrypted currency transaction account in the user's cipher currency account of the n-th cipher currency A calculating step of calculating a unit; And
And storing the encrypted currency unit information held in the user's password money account in association with the user's password money account information in the management DB.
12. The method according to claim 11,
And verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, Sound wave payment method using cryptography.
The method according to claim 1,
Further comprising the steps of: confirming exchange rate information set for exchange between a cryptogram corresponding to a cryptographic currency block stored in a designated block storage area and a specified real currency, and storing the exchange rate in a designated exchange storage area; Payment Method.
14. The method of claim 13,
When confirming a payment request using the n-th password,
Confirming settlement exchange rate information based on exchange rate information between the n-th cipher currency and the designated real currency; And
Further comprising the step of determining a settlement unit for a settlement corresponding to a settlement amount of the settlement information based on the settlement exchange rate information.
15. The method according to claim 14,
The exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency,
Wherein the at least one exchange rate information includes at least one of exchange rate information that is calculated by lowering a value of the n-th cipher currency by a predetermined ratio than the current exchange rate information.
The method according to claim 1,
It is possible to check exchange rate information for currency exchange between a cipher money corresponding to a cipher money block stored in a designated block storage area and a specified real money, store it in a specified exchange rate storage area, check exchange rate information changed in a specified cycle, And updating the stored exchange rate information based on the stored exchange rate information.
17. The method of claim 16,
When confirming a payment request using the n-th password,
Confirming the settlement exchange rate information based on the current exchange rate information between the updated n-th cipher currency and the designated real currency; And
Further comprising the step of determining a settlement unit for a settlement corresponding to a settlement amount of the settlement information based on the settlement exchange rate information.
18. The method according to claim 17,
The exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency,
The exchange rate information for calculating the value of the n-th cipher currency by a certain percentage lower than the current exchange rate information,
Wherein the exchange rate information includes at least one exchange rate information of the exchange rate information adjusted to hedge the loss due to the exchange rate based on the fluctuation of the exchange rate information for a predetermined period.
18. The method of claim 17,
Providing encrypted money settlement confirmation information including the settlement exchange rate information to an app of the user wireless terminal;
If the user decides that the encrypted currency settlement corresponding to the encrypted currency settlement confirmation information is accepted through the application of the user wireless terminal, Receiving; And
And authenticating the validity of the user confirmation information based on the user identification information.
The method as claimed in claim 19,
Further comprising information on a billing unit for billing to be withdrawn from the user's password bank account for the password settlement based on the settlement exchange rate information.
20. The method of claim 19,
Secret information registered by the user,
Biometric information for authenticating the user's biometric information,
Authentication confirmation information for confirming that the user's wireless terminal has authenticated the user's body,
And a cipher currency transaction authentication information for a cipher currency transaction for fetching a designated cipher currency unit from a user's cipher currency account of the n-th cipher currency.
The method as claimed in claim 1,
And a step of authenticating whether or not the user has a valid cryptographic currency unit capable of paying the payment amount of the payment information to the user's cryptographic account of the n-th cryptographic currency based on the latest updated n-th cryptographic currency block of the n-th cryptographic currency And performing a password currency validity authentication procedure based on the password.
The method as claimed in claim 1 or 22,
And verifying the validity of the n-th cipher block by performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the n-th cipher block, And transmitting the sound wave to the sound source.
The method as claimed in claim 1,
Wherein the n &lt; th &gt; block encryption unit includes the user's cryptographic account as a withdrawal account of the cryptographic transaction details broadcasted to the n &lt; th & Further comprising the step of: performing a password validation authentication procedure for authenticating that there is no unacknowledged password currency transaction history related to a user-side withdrawal related to a standby state.
25. The method of claim 24,
When the user confirms the idle state withdrawal-related unrecognized password currency transaction details including the user's password account on the n-th block-chain network as the withdrawal account, the encrypted money And a step of authenticating whether or not the user has a valid cryptographic unit capable of paying the settlement amount of the payment information in the user's cryptographic currency account using at least one cryptographic unit of the cryptographic unit held in the user's cryptographic account And performing a password currency validity authentication procedure based on the password.
25. The method of claim 24,
When the user confirms the unexecuted password transaction details regarding the user-side withdrawal related to the standby state including the user's cryptographic account as the withdrawal account on the nth block-chain network, the block chaining process based on the block chain algorithm implemented in the nth block- Further comprising the step of performing a designated procedure for including in the n-th cipher currency block the settlement history of the settlement password in preference to the confirmed undischarged cipher transaction history of the user-side withdrawal related to the user Sound wave payment method using cryptography.
The method as claimed in claim 1,
A password password transaction transaction for withdrawing a password unit for settlement corresponding to the settlement amount of the settlement information among the cryptographic units held in the user's cipher currency account of the n-th cipher currency and transferring the unit to the specified cipher password for settlement And performing a procedure of broadcasting the generated signal to the n-th block-chain network.
The billing method according to claim 24,
An escrow cryptographic account of the n-th cipher currency designated for escrow which temporarily reserves the cipher unit of the cipher currency held in the user's cipher currency account of the n-th cipher currency for the exchange in the real currency unit, And transmitting the sound wave to the sound wave receiver.
The billing method according to claim 24,
And a cryptographic money account for purchasing the cryptographic unit for settlement after requesting to sell the cryptographic unit for settlement among the cryptographic units held in the user's cryptographic currency account of the n-th cryptographic currency according to a designated cryptographic transaction procedure, And the sound wave is transmitted to the sound source.
The billing method according to claim 24,
And when the merchant's cryptographic money account for the n-th cipher currency transaction of the merchant is registered, the franchisee's cipher currency account is included.
25. The method of claim 24,
And transmits settlement result information including a result of a password-based settlement approval for the settlement information to an app and an affiliate terminal of the user wireless terminal within a predetermined time after broadcasting the settlement password transaction transaction history to the nth block-chain network And transmitting the encrypted password to the user terminal.

Images