KR20190065833A - Method for Managing Payment based on Sound Wave by using Blockchain - Google Patents

Abstract

The present invention relates to a method for managing a sound wave payment using a block chain. The method is executed by an operating server interworking with a member store terminal communicating with a user wireless terminal and operated by a member store. The method comprises: a first step of implementing a block chain network for blockchainizing a transaction statement of a statement structure designated through N (N >= 2) node devices operated by a designated block chain algorithm, or interworking with a pre-implemented block chain network; a second step of receiving payment information including a payment amount from a member store terminal; a third step of determining a unique identification code of a designated code system uniquely identifying the received payment information and providing the same for the member store terminal; a fourth step of receiving the unique identification code from an application of a user wireless terminal recognizing the unique identification code encoded in a sound wave signal transmitted from the member store terminal in a sound wave and authenticating the same; a fifth step of confirming payment result information obtained by processing a payment of the payment information corresponding to the authenticated unique identification code; a sixth step of generating the transaction statement including a payment result of the payment result information in a designated statement structure which can be blockchainized through the block chain algorithm; and a seventh step of processing a blockchainization precedure of the generated transaction statement through the block chain network.

Description

[0001] The present invention relates to a sound wave payment management method using a block chain,

In 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 determined, and the payment information is mapped and stored to the merchant terminal, When a payment of the payment information is processed as a result of receiving and authenticating the unique identification code in an app of a user wireless terminal that has recognized a unique identification code encoded in a sound wave signal, The transaction details included in the specified structure are generated and block-chained by the block chain algorithm implemented in the designated block-chain network to be stored and managed.

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-mentioned problems, an object of the present invention is to provide a method and system for determining a unique ID code that uniquely identifies the payment information when receiving payment information including a payment amount from a merchant terminal, mapping the payment information to the payment information, And when the settlement of the settlement information is processed as a result of receiving the unique ID code and receiving the unique ID code as an app of a user wireless terminal that recognizes the unique ID code encoded in the sound wave signal transmitted from the credit terminal at the merchant terminal, A transaction history in which the settlement result of settlement result information for settlement processing is included in a specified history structure is generated and a block chain is block-chained by a block chain algorithm implemented in a designated block chain network to be stored and managed .

It is a further object of the present invention to provide a method and system for blocking the use of a block chain in a sound wave settlement service by supplementing a technical and / or security flaw occurring in the course of applying a block- And a method of managing a sound wave payment using a chain.

A method of executing a sound wave payment management method using a block chain according to the present invention is a method executed by an operation server communicating with a user wireless terminal and interworking with an affiliate terminal operated by a merchant, ≪ / RTI > < RTI ID = 0.0 > 2) < / RTI > node devices, or a block chain network implementing the block chain network for block- A third step of determining a unique code of a designated code system that uniquely identifies the received payment information and providing the unique identification code to the merchant terminal; Receiving the unique identification code from an app of the user wireless terminal that recognized the code, A fifth step of confirming settlement result information that has processed settlement of settlement information corresponding to the authenticated unique identification code; a fifth step of confirming settlement result information that has processed settlement of settlement information corresponding to the authenticated unique identification code; And a seventh step of performing a block chaining process of the generated transaction details through the block chain network.

According to the present invention, the block-chain network includes a self-block chain network implemented through N node devices built by an operator operating the operation server, and N node devices through at least one server operated by the operator (Nn) virtual node devices emulated through n (1? N < N) node devices constructed by the operator and emulated through at least one server operated by the operator, And may include at least one block-chain network among the composite block-chain networks implemented.

According to the present invention, the block-chain network includes a block-chain network implemented for cryptographic transaction, a block-chain network implemented for bank-related ledger management, a block-chain network implemented for information storage, And at least one outer block chain network that can be interlocked.

According to the present invention, the block-chain network includes a public block-chain network, or includes a private block-chain network, or a hybrid block-chain network in which characteristics of a public block-chain network and a private block- can do.

According to the present invention, the block-chain network generates a new block according to a specified block-chain algorithm by the operation server (or the node device associated with the operation server) and transmits the new block to an active node Lt; RTI ID = 0.0 &gt; block-chain &lt; / RTI &gt;

According to the present invention, the block-chain network is a passive node capable of real-time checking of chained effective blocks generated or agreed upon according to a specified block-chaining algorithm to the operating server (or the node device associated with the operating server) And may include a participating block-chain network.

According to the present invention, in the first step, N (N? 2) node devices operating in accordance with a specified block chain algorithm participate to generate a new block including a specified number of transaction details, A block chain network that distributes transaction history blocks including the valid blocks that have been chained through the above-mentioned consensus process to each node device by implementing a procedure of agreeing blocks into valid blocks, And interacting with the chain network.

According to the present invention, the first step further includes checking a transaction history block including chained blocks generated or agreed upon according to a block chain algorithm implemented in the block-chain network, and storing the transaction history block in a designated block storage area .

According to the present invention, the first step may include performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the transaction history block, thereby validating the transaction history block And a step of verifying the verification result.

According to the present invention, the sixth step may include generating transaction details including m (1? M? M) pieces of information among the M (M? 2) pieces of information included in the payment result information have.

According to the present invention, in the sixth step, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment result information are checked, The method of claim 1, further comprising the steps of: confirming j private items of information (1? J <m); matching the identified j pieces of private information with unique identification information and storing them in a designated management DB, (Mj) pieces of publicly available information included in the payment result information and the stored / verified identification information.

According to the present invention, in the sixth step, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment result information are checked, The method comprising the steps of: identifying j (1 < = j &lt; m) pieces of non-disclosure target information; generating hash information having the unidirectionally hashed hash information of the identified j number of pieces of confirmed target information through a specified hash algorithm; And generating transaction details including the (mj) pieces of publicly available information and the generated hash information.

According to the present invention, in the sixth step, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment result information are checked, A step of generating encrypted information by encrypting the confirmed j pieces of private information through a cryptosystem for encrypting only j (1? J <m) pieces of private information to be decrypted only through a specified decryption key And generating transaction details including (mj) pieces of publicly available information included in the payment result information and the generated password information.

According to the present invention, the sixth step may include: confirming a settlement approval result included in the settlement result information; checking whether the payment approval result is included in a specified history structure that can be block- The transaction history including the transaction history.

According to the present invention, in the sixth step, if the payment approval result is confirmed, m (1? M? M) pieces of information to be included in the transaction details among the M (M? (J) of the m pieces of identified information, identifying the j pieces of private information to be searched and matching the unique pieces of identification information to the j pieces of private information to be stored in the designated management DB, The method comprising the steps of: confirming j pieces of non-disclosure target information and identification information previously stored in the DB; and generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the stored / .

According to the present invention, in the sixth step, if the payment approval result is confirmed, m (1? M? M) pieces of information to be included in the transaction details among the M (M? (1? J? M) pieces of non-disclosure object information among the m pieces of information identified; generating hash information having one-way hash information of the identified j pieces of non-disclosure information through a hash algorithm; And generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the generated hash information.

According to the present invention, in the sixth step, if the payment approval result is confirmed, m (1? M? M) pieces of information to be included in the transaction details among the M (M? (Jjm) number of pieces of secret information among the m pieces of identified information, and encrypting the identified j pieces of secret information by encrypting the j pieces of secret information by decrypting only the decryption key And generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the generated password information.

According to the present invention, the decryption key may include at least one of a key value included in a designated secure area of the operation server, and a private key of a server-side certificate of the operation server.

According to the present invention, the seventh step may include broadcasting the generated transaction details to the block-chain network and performing a block chaining process.

According to another aspect of the present invention, the seventh step includes checking whether the number of transaction details broadcasted to the block-chain network for a specified reference time is less than a specified reference number, A predetermined number of dummy transaction details for maintaining the transaction details of the specified reference number or more in the number of transaction details broadcasted to the block chain network during the designated reference time, The method may further include a step of broadcasting through a network.

According to the present invention, the seventh step includes broadcasting the transaction details via the at least one node device among the N node devices provided in the block-chain network within a predetermined time after broadcasting the transaction details to the block- The new block may be generated.

According to the present invention, the seventh step includes broadcasting the transaction details via the at least one node device among the N node devices provided in the block-chain network within a predetermined time after broadcasting the transaction details to the block- And confirming that a procedure for negotiating with another node device is performed.

According to the present invention, in the seventh step, a transaction history block including (or loading) the valid blocks generated or agreed including the broadcast transaction details within a predetermined time after broadcasting the transaction details to the block- And confirming that the N node devices are distributedly stored in the N node devices provided in the block-chain network.

According to the present invention, the step (7) further comprises the step of identifying a transaction history block including blocks chained or created according to a block chain algorithm implemented in the block-chain network and storing or updating the transaction history block in a designated block storage area .

According to the present invention, the seventh step performs a specified verification operation of hash values included in each of the blocks to chain i (i? 2) blocks included in the transaction history block so as to validate the transaction history block And a step of verifying the verification result.

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 determined, and the payment information is mapped and stored to the merchant terminal. When the payment of the payment information is processed as a result of receiving and authenticating the unique identification code by an app of the user wireless terminal that has recognized the unique identification code encoded in the sound wave signal transmitted from the sound wave, The transaction details including the results in the specified structure are generated, and block chaining is performed through the block chain algorithm implemented in the designated block chain network, thereby safely storing and managing such that it can not be forged.

According to the present invention, there is an advantage of providing a sound wave settlement service that is managed securely through a block chain by eliminating various technical and / or security defects occurring in a process of applying a block chain technology to a payment related field.

1 is a diagram illustrating a configuration of a reverse acoustic wave payment system using a block chain according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of implementing or interlocking a block-chain network for block-chaining transaction details according to an embodiment of the present invention.
3 is a diagram illustrating a sound wave transmission process for sound wave settlement according to an embodiment of the present invention.
4 is a diagram illustrating a sound wave settlement process according to an embodiment of the present invention.
5 is a diagram illustrating a process of managing reverse sound wave settlement using a block chain according to an embodiment of the present invention.

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

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

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

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

FIG. 1 is a diagram illustrating a configuration of a reverse acoustic wave payment system using a block chain according to an embodiment of the present invention.

1, when a payment information including a payment amount is received from an affiliate shop terminal 180, a unique identification code that uniquely identifies the payment information is determined, and the unique identification code is mapped with the payment information and is provided to the merchant terminal And receives the unique identification code from the user wireless terminal 190 that has recognized the unique ID code encoded in the sound wave signal transmitted from the merchant terminal 180 and processes the payment of the payment information as a result of authentication A transaction history in which the settlement result of the settlement result information for the settlement processing is included in the specified history structure is generated and block chained by the block chain algorithm implemented in the designated block chain network 170 is processed for storage management And those skilled in the art will appreciate that the present invention is not limited to the embodiments illustrated in the drawings, (E.g., some of the constituent parts may be omitted, or a subdivided or combined implementation method) may be inferred from the various methods of the reverse sound wave settlement system using the block chain, And the technical features thereof are not limited only by the method shown in FIG.

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 180 and providing the unique ID code to the operation server 100 (190), and when the payment information is received from the merchant terminal (180), a unique ID code for uniquely identifying the payment information is determined and provided to the merchant terminal The terminal 180 receives and authenticates the unique identification code recognized through the sound wave transmitted by the sound wave from the terminal 180 and confirms payment of the payment information mapped with the authenticated unique identification code And an operation server 100 for performing a procedure for processing the data. However, the present invention is not limited thereto by referring to the functional block for processing transaction details in cooperation with the block-chain network 170 in the embodiment of FIG. 1, The functional components for processing transaction details in cooperation with the block chain network 170 may be implemented in the operating server 100 and / or in a separate (or more than one) server that interfaces with the operating server 100 It is clear that it is possible.

The merchant terminal 180 is a collective term for the terminal devices provided at the merchant for reverse sound wave settlement. For example, the merchant terminal 180 for a conventional forward payment such as a POS terminal, 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 of the present invention, the description describing the merchant terminal 180 as a subject is executed through an app installed in the merchant terminal 180 without any other description.

According to the embodiment of the present invention, the merchant terminal 180 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 180 The merchandise code is recognized and the specified DB is inquired to calculate the payment amount based on the commodity price of the confirmed commodity information and / or the list of the commodity information registered in the merchant terminal 180 is displayed, 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.

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 180, (For example, a product name, a product code, an item name, an item name, an item name, a product name, and a product name) that are input through the merchant terminal 180 and / Product price, unit price, quantity, etc.).

The operation server 100 receives payment information including the payment amount from the merchant terminal 180, 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 180 receives the unique ID code from the operation server 100 and transmits the unique ID code to the sound wave signal of a 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 180 broadcasts the sound wave signal at a short distance instead of feeding the sound wave signal by specifying the receiver side to receive 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 190 is a general term of a wireless communication device owned (or possessed) by a user for reverse sound wave settlement and preferably includes a wireless terminal 190 such as a mobile phone, a smart phone, 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 convenience, it should be noted that, in the detailed description of the present invention, the description describing the user wireless terminal 190 as a subject is executed through an application installed in the user wireless terminal 190 without any other description.

The app of the user wireless terminal 190 reads the sound data input through the sound input unit of the user wireless terminal 190 and transmits the sound data corresponding to the sound wave signal transmitted from the merchant terminal 180 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 190 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 190. Meanwhile, the operation server 100 reads the unique ID code received from the app of the user wireless terminal 190 according to a designated code system, authenticates the unique ID code provided to the merchant terminal 180, and / The unique ID code received from the app of the wireless terminal 190 and the unique ID code provided to the merchant terminal 180 can be compared and authenticated.

Meanwhile, the application of the user wireless terminal 190 may use 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, a prepaid card, You can process the payment.

Meanwhile, according to the embodiment of the present invention, the app of the user wireless terminal 190 requests / processes payment for the payment information using the real money based payment means and / or the cipher money based payment means based on the block chain , Or requesting / processing payment of at least a part of the payment amount of the payment information through the password-based payment means (in this case, the remaining amount can be requested / processed through the real money-based payment means or other block chain- )can do.

The operating server 100 is a general term for a server side configuration for reverse sound wave settlement and a server side configuration for block chain based transaction history management 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 operation server 100 can communicate with an app of a user wireless terminal 190 and directly or indirectly interlock with an affiliate terminal 180, and can communicate with an app of a user wireless terminal 190 Or a server chain for performing reverse sound wave settlement by directly or indirectly interlocking with the merchant terminal 180. In addition, a transaction history including a settlement approval result is generated in a specified structure at the time of payment approval, And executes a server-side configuration for block-chaining and storing via a block-chain algorithm implemented in FIG.

1, the operation server 100 includes a block-chain network (hereinafter, referred to as &quot; block-chain network &quot;) that block- And a block-chain management unit (104) for interfacing with the block-chain network (170) implementing the block-chain network (170) And a block management unit 108 for identifying and storing a transaction history block in a designated block storage area.

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. However, the present invention can be used with any block chain algorithm among hundreds or more of the block chain algorithms modified (or modified in the future).

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-centric scheme, a block-chain network 170 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, a server, or the like corresponding to a peer participating in the block-chain network 170 as a 'node device 175'.

According to the method of the present invention, the node device 175 on the block-chain network 170 can store the transaction history block, which is configured on the basis of the block-chain algorithm included in the designated block-chain network 170, A function of collecting transaction details broadcasted to the block chain network 170, a function of generating a new block by blocking the collected transaction details of the specified number, and a function of generating at least one (Proof-Of-Work), POS (Proof-Of-Stake), CBB (Consensus-Of-Stake), and so on for validation of chaining and integrity of the generated new block. By-Bet), or applying the block-chain verification value to the new block, and providing a verification-target block including the hash value or the block-chain verification value to the other node device 175 A function of verifying the verification target block as a valid block using a hash value or a block chain verification value of a verification target block requested to be agreed from another node device 175, A block chain program for performing functions defined in a block chain algorithm included in the block chain network 170 among the functions for chaining and connecting the transaction history block stored in a designated storage area to a transaction history block stored in a designated storage area, It is preferable that all the node devices 175 operating on the same block chain algorithm are installed and executed.

The block-chain operating unit 104 generates N blocks (N &gt; = 2) of node devices 175 operating according to a specified block-chain algorithm to generate a new block including a specified number of transaction details and / (Or loading) a valid block that has been chained through the process of consensus, by configuring the new block as a valid block between the node devices 175 And a block-chain network 170 for performing a block-chaining process for distributing the block-chaining process to the block-chain network 170. The block-

According to the first block-chained network 170 embodiment of the present invention, an operator operating the operational server 100 may implement his own block-chain network 170 by self-building N physical node devices 175 , The block chain operating unit 104 interlocks (or controls) with the N node devices 175 (or at least one node device 175) included on the self-block chain network 170, The new block is chained to a valid block through a process of creating a new block including a specified number of transactions according to a specified block chain algorithm applied to the network 170 and / or a process of agreement between the node devices 175, A transaction history block including (or loading) chained valid blocks may be constructed and distributed to be stored in the N node devices 175.

According to the second block-chain network 170 embodiment of the present invention, the block-chain operating unit 104 may include at least one server (e.g., the operating server 100 or a separate virtualization server) A virtual block chain network 170 including N virtual node devices 175 may be implemented by emulating a virtual node device 175 in a software manner via an N (Or control) a plurality of virtual node devices 175 (or at least one node device 175) in accordance with a specified block chain algorithm applied to the virtual block chain network 170 The new block is chained to a valid block through a process of creating a block and / or an agreement process between the node devices 175, and the new block is added to (or loaded with) the validated or chained effective block A transaction history block may be constructed and distributed to be stored in the N virtual node devices 175. [ According to an embodiment of the present invention, the virtual block chain network 170 may include an emulation unit for emulating N virtual node devices 175 and a cloud storage for storing the transaction history block.

According to the third block-chain network 170 embodiment of the present invention, the operator may construct n (1? N <N) actual node devices 175 to implement their own block- (Nn) virtual node devices 175 by software (Nn) virtual node devices 175 through at least one server (for example, the operation server 100 or a separate virtualization server, etc.) (Nn) virtual node devices 175 implementing the virtual block-chain network 170 including the n virtual node devices 175 and the virtual block-chain network 170 including the n virtual node devices 175, (Or merging) a virtual block-chain network 170 implemented in the hybrid block-chain network 170. [ The block-chain operating unit 104 may include n node devices 175 (or at least one node device 175) and / or (Nn) virtual node devices 175 (Or at least one virtual node device 175) to generate a new block containing a specified number of transactions in accordance with a specified block chain algorithm applied to the hybrid block-chain network 170, and (Or 175), the new block is chained to a valid block, and a transaction history block including (or loading) the agreed or chained effective block is constructed to form N virtual node devices 175, (E.g., n node devices 175 and (Nn) virtual node devices 175). According to an embodiment of the present invention, the virtual block-chain network 170 of the complex block-chain network 170 includes an emulation unit for emulating (Nn) virtual node devices 175 and a cloud for storing the transaction history block 170. [ Storage. &Lt; / RTI &gt;

According to the fourth block-chain network 170 of the present invention, the block-chain operating unit 104 may interwork with an external block-chain network 170 implemented externally. The block chain operating unit 104 may operate in conjunction with the N node devices 175 (or at least one node device 175) included on the designated outer block-chain network 170, A transaction history block including (or loading) valid blocks that are chained by creating or agreeing a new block including a specified number of transaction details according to a designated block chain algorithm applied to the N node devices 175 is distributed and stored . According to an embodiment of the present invention, the external block chain network 170 includes a block-chain network 170 implemented for cryptographic transactions, a block-chain network 170 implemented for bank-related ledger management, Chain block network 170 that can be interlocked with the operating server 100 among the block-chain networks 170 implemented for the block-chain network 170, (Or stacked) valid blocks that are chained by creating or agreeing a new block including transaction details of the structure can be distributedly stored in the N node devices 175, 170).

According to the fifth block-chain network 170 embodiment of the present invention, the block-chain operating unit 104 may be configured to at least partially combine at least two of the first through fifth block- The present invention is not limited to these embodiments, and the present invention is not limited thereto.

According to an embodiment of the present invention, the block-chain network 170 implemented through the first through fifth block-chain networks 170 includes a public block-chain network 170 in which anyone can participate , Or a private block-chain network 170 that can only participate in a limited (or pre-authenticated) peer. The block-chain algorithm may further include a hybrid block-chain network 170 that partially blends the characteristics of the public block-chain network 170 and the private-block-chain network 170.

The block-chain network 170 implemented through the first through fifth block-chain networks 170 may be implemented in the operating server 100 (or in connection with the operating server 100) And a block-chain network 170 in which a new block is generated according to a designated block-chain algorithm, and the new block is joined to an active node that can request a consensus as a valid block. Here, the active node is an actual node device 175 implemented on the designated block-chaining network 170 or a node operating equivalently, preferably based on a block-chaining algorithm included in the designated block-chaining network 170 A function of storing a transaction history block generated on the designated block chain network 170 in a designated storage area, a function of collecting transaction details broadcasted to the block chain network 170, A function of generating a new block, a function of generating at least one hash value for chaining the generated new block, and a function of generating a valid block chain verification value for chaining and integrity verification of the generated new block, A function of applying the block-chain verification value to a new block, and a function of verifying the block- A function of providing a block to another node device 175 and requesting the other node device 175 to conclude a valid block, and a function of validating the verification target block using a hash value or a block chain verification value of a verification target block requested to be agreed from another node device 175 Block function and a function of chaining the verified valid block to a transaction history block stored in a designated storage area and connecting the verified valid block to a transaction history block stored in a designated storage area and performing a function defined in a block chain algorithm included in the block chain network 170 .

The block-chain network 170 implemented through the first through fifth block-chain networks 170 may be implemented in the operating server 100 (or in connection with the operating server 100) And a block-chain network 170 in which a validated block, which is generated or agreed according to a designated block-chaining algorithm, is added to a passive node capable of real-time confirmation of a chained effective block. Here, the passive node is a node for real-time confirmation of chained effective blocks generated or agreed upon on the block-chain network 170 in cooperation with an actual node device 175 implemented on a designated block-chain network 170, Storing transaction history blocks created on a designated block chain network 170 based on a block chain algorithm provided in a designated block chain network 170 in a designated storage area; 175) for verifying the block chain validity of the verification target block requested to be concluded on the basis of the block chain verification value included in the verification subject block requested to be agreed upon; and a function for verifying the verified valid block in the transaction history block And a function of chaining and connecting to each other.

The block management unit 108 may be implemented in the block-chain network 170 in cooperation with at least one node device 175 provided on the block-chain network 170 implemented or interlocked with the block- (Or loaded) chained effective blocks generated or agreed upon according to the block chain algorithm, and stores the verified transaction history block in the designated block storage area.

According to the embodiment of the present invention, the block management unit 108 determines the validity of the hash values included in each block in order to chain i (i? 2) blocks included in the transaction history block stored in the designated block storage area (For example, an operation for verifying whether the hash value contained in each block is valid and / or an operation for verifying the validity of the hash values included in each block through the block chain verification value included in each block, etc.) The validation of the transaction history block (or the validity of each block included in the transaction history block) may be performed. In this case, when the validity of the transaction history block (or the validity of each block included in the transaction history block) is verified, the block management unit 108 updates the verified transaction history block (or the transaction history block including the verified blocks ) Can be stored in the block storage area.

Meanwhile, the node devices 175 included in the block-chain network 170 generate a new block according to a block-chain algorithm implemented in the corresponding block-chain network 170 and / The block manager 108 confirms validated blocks on a block-chain network 170 according to a block-chain algorithm included in the block-chain network 170, And performs a procedure of chaining and verifying the valid block in the transaction history block stored in the designated block storage area.

According to the embodiment of the present invention, the block management unit 108 updates the transaction history block stored in the designated block storage area every (i) (For example, an operation for verifying whether the hash value contained in each block is valid and / or a block chain verification included in each block) to verify the validity of the hash values included in each block (Or validity of each block included in the transaction history block) stored in the block storage area through an operation of verifying the validity of the hash values included in each block through the value can do. In this case, when the validity of the transaction history block (or the validity of each block included in the transaction history block) is verified, the block management unit 108 updates the verified transaction history block (or the transaction history block including the verified blocks ), And perform a procedure of chaining and updating the valid block.

1, the operation server 100 includes a payment information receiving unit 112 for receiving payment information including a payment amount from the merchant terminal 180, a designated code system for uniquely identifying the received payment information, A unique identification code determination unit 116 for determining a unique identification code of the merchant terminal, a payment information mapping unit 120 for mapping and storing the payment information and the unique identification code, A unique ID code receiving unit for receiving the unique ID code from an app of the user wireless terminal 190 that has recognized the unique ID code encoded in the sound wave signal transmitted from the merchant terminal 180 A unique ID code authenticating unit 132 for authenticating the validity of the received unique ID code, a payment information verifying unit 136 for confirming the payment information mapped with the received / authenticated unique ID code, Prize A settlement processing procedure unit 140 for performing a settlement procedure for settlement of previously confirmed settlement information, a result information confirmation unit 144 for confirming settlement result information for processing settlement of the settlement information, And a result information providing unit 148 for providing the payment result information to the merchant terminal 190 and the merchant terminal 180.

The merchant terminal 180 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 180, 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 180 is displayed, and a DB set on the basis of a selection value input 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 112 receives the payment information including the payment amount from the merchant terminal 180.

When the payment information is received from the merchant terminal 180, the unique identification code determiner 116 determines whether the payment information received from a specific merchant terminal 180 among the payment information, which is received uniquely from a plurality of merchant terminals 180, 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 180 and a unique identification code of a designated code system for uniquely identifying the payment information is determined, the payment information mapping unit 120 maps the payment information to a unique identification code The unique ID code providing unit 124 provides the unique ID code to the merchant terminal.

The merchant terminal 180 receives the unique ID code from the operation server 100 and transmits the unique ID code to the sound wave signal of a 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 180 broadcasts the sound wave signal at a short distance instead of feeding the sound wave signal by specifying the receiver side to receive 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 190 located near the merchant terminal 180 reads the sound data input through the sound input unit of the user wireless terminal 190 and responds to the sound wave signal transmitted from the merchant terminal 180 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 190 transmits the unique identification code to the specified operating server 100. The unique identification code receiver 128 receives the unique ID code from the sound wave signal transmitted from the merchant terminal 180 And receives the unique identification code from the app of the user wireless terminal 190 that has recognized the identification code.

On the other hand, when the unique ID code is received from the app of the user wireless terminal 190, the unique ID code authenticator 132 authenticates the validity of the received unique ID code based on the code system of the unique ID code do. For example, the unique ID code authenticating unit 132 authenticates whether a predetermined bit is included in the designated bit region of the unique ID code based on the code system, and / or authenticates 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 payment information checking unit 136 inquires the payment management DB to check the payment information stored and mapped with the received / authenticated unique identification code, 140 transmits the payment information corresponding to the payment means information (or part of the payment means information) registered in advance through the application of the specified payment means (for example, the user wireless terminal 190) through the application of the user wireless terminal 190 A payment means for processing the payment of the payment information through the payment means corresponding to the payment means identification information for identifying the registered payment means, the payment means corresponding to the payment means information received in real time via the application of the user wireless terminal 190) Perform the procedure. Preferably, the payment processing procedure unit 140 may perform a payment procedure for processing payment of the payment information through a designated payment means in cooperation with a specified payment processing server (not shown).

The result information verifying unit 144 confirms the payment result information that processed the payment information. Preferably, the payment processing procedure unit 140 can confirm the payment result information that is linked to the payment processing procedure unit 140 and / or processed in connection with the payment processing server and processed the payment information.

When the payment result information processing the settlement of the payment information is confirmed through the result information confirmation unit 144, the result information providing unit 148 transmits the payment result information to the application terminal 180 of the user wireless terminal 190, And provides the settlement result information. The payment result information may include a payment approval result for approving payment for the payment information, or may include a payment error result corresponding to a payment error.

Referring to FIG. 1, the operation server 100 is connected to a specified structure that can be block-chained by a block-chain algorithm of a block-chain network 170, which is implemented or interlocked with the block- A transaction history generating unit 156 for generating a transaction history including a settlement result of the transaction history and a block chaining algorithm of the block chain network 170, And a block chaining management unit (164) for managing the transaction history to be effectively included in the transaction history block while block chaining of the transaction history is being performed, And an approval result confirmation unit 152 for confirming the result.

When the settlement result information processing the settlement of the settlement information is confirmed through the result information verifying unit 144, the transaction history generating unit 156 generates the transaction history by using the block chain implemented or interlocked through the block- A transaction history including the settlement result of the settlement result information is generated in the designated history structure that can be block-chained by the block chain algorithm provided in the network 170.

According to the first transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M? 2) pieces of information among M (M? 2) pieces of information included in the payment result information through the block chain operating unit 104 (1 &lt; = m &lt; M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm provided in the block chain network 170. [

According to the second transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment result information through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 &lt; = j &lt; m) non-disclosure target information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history generating unit 156 may generate identification information for uniquely matching identification of the identified j number of pieces of secret information (for example, j pieces of identification information for identifying j pieces of pieces of private information individually, or pieces of pieces of j pieces of pieces of private information , One or more pieces of identification information for identifying j pieces of private object information, etc.), stores the j pieces of private object information and the pieces of identification information in a specified management DB And / or j pieces of non-disclosure information and identification information previously stored in the management DB, which are matched with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction history generation unit 156 generates (mj) pieces of publicly available information and the stored / verified identification information among the pieces of information included in the payment result information You can create a transaction history that includes.

According to the third transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment result information through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 &lt; = j &lt; m) non-disclosure target information. When the i un-airworthy object information is confirmed, the transaction history generating unit 156 generates hash information having the one-way hashed hash information of the confirmed j pieces of secret information through the specified hash algorithm, (mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if j pieces of private object information are acquired and the j pieces of private object information are hashed with the same hash algorithm to check whether they match the hash information included in the transaction details, the hash information corresponding to the transaction details J pieces of non-disclosure target information.

According to the fourth transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M? 2) pieces of M (M? 2) information included in the payment result information through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 < = j &lt; m) non-disclosure target information. When the i un-open object information is confirmed, the transaction history generating unit 156 generates cryptographic information in which the confirmed j pieces of private information are encrypted through a cryptosystem for decrypting only the specified decryption key , It is possible to generate transaction details including (mj) pieces of publicly available information included in the payment result information and the generated password information. Meanwhile, the decryption key may include at least one of a key value provided in a designated security zone of the operation server 100, and a private key of a server side certificate of the operation server 100.

Meanwhile, according to the embodiment of the present invention, the transaction history generator 156 may generate transaction details including the payment approval result when the payment result information includes the payment approval result. For this, the approval result confirmation unit 152 confirms the payment approval result included in the payment result information. If the settlement approval result contained in the settlement result information is confirmed, the transaction history generating unit 156 may generate a transaction history including the settlement approval result in a specified history structure that can be block-chained by the block chain algorithm have.

According to the fifth transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment approval result through the block chain operating unit 104 (1 &lt; = m &lt; M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm included in the block chain network 170. [

According to the sixth transaction history embodiment of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment approval result through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 &lt; = j &lt; m) non-disclosure target information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history generating unit 156 may generate identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information that individually identify j pieces of private information pieces, or j pieces of pieces of private information pieces , One or more pieces of identification information for identifying j pieces of pieces of private object information, etc.), stores the j pieces of private object information and the pieces of identification information in a specified management DB And / or j pieces of non-disclosure information and identification information previously stored in the management DB, which are matched with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction history generation unit 156 generates (mj) pieces of publicly available information and the stored / You can create a transaction history that includes.

According to the seventh transaction details of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment approval result through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 &lt; = j &lt; m) non-disclosure target information. When the i un-open object information is confirmed, the transaction history generating unit 156 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, (mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if j pieces of private object information are acquired and the j pieces of private object information are hashed with the same hash algorithm to check whether they match the hash information included in the transaction details, the hash information corresponding to the transaction details J pieces of non-disclosure target information.

According to the eighth transaction details of the present invention, the transaction history generating unit 156 generates M (M &gt; = 2) pieces of information included in the payment approval result through the block chain operating unit 104 (1? M? M) pieces of information to be included in transaction details corresponding to a specified structure that can be block chained by a block chain algorithm included in the block chain network 170, (1 &lt; = j &lt; m) non-disclosure target information. When the i un-open object information is confirmed, the transaction history generating unit 156 generates cryptographic information in which the confirmed j pieces of private information are encrypted through a cryptosystem for decrypting only the specified decryption key , It is possible to generate transaction details including (mj) pieces of publicly available information included in the payment approval result and the generated password information. Meanwhile, the decryption key may include at least one of a key value provided in a designated security zone of the operation server 100, and a private key of a server side certificate of the operation server 100.

According to an embodiment of the ninth transaction of the present invention, the transaction history generator 156 may generate the transaction information by at least partially combining at least two embodiments among the first through eighth transaction details embodiments, A transaction history of a specified history structure that can be block chained can be generated, and the present invention can also include such an embodiment as a right scope.

If transaction details of a specified structure that can be block chained are generated through the block chain algorithm according to at least one of the first through ninth transaction details through the transaction history generation unit 156, The chaining procedure unit 160 broadcasts the transaction details generated through the transaction history generating unit 156 to the block chain network 170 that implements / interlocks with the block chain operating unit 104, (Or loading) a valid block that has been chained through the process of creating or making a new block including the transaction details through the node device 175 on the node device 175 have.

According to an embodiment of the present invention, the node device 175 on the block-chain network 170 has the function of collecting transaction details broadcast to the block-chain network 170 according to a specified block-chain algorithm, A function of generating a new block by blocking the transaction details of the new block, a function of generating at least one hash value for chaining the generated new block, and a function of generating a valid block chain for chaining and integrity verification of the generated new block A function of generating a verification value or applying the block chain verification value to the new block, and providing a verification target block including the hash value or the block chain verification value to another node device 175 and requesting agreement with a valid block And a hash value or a block chain verification value of the verification target block requested to be agreed from the other node device 175, To perform the function of one or more functions of the functions for connecting to the verification of the effective block chaining the transaction history stored on a given storage block to verify a valid block.

According to the embodiment of the present invention, the block-chain algorithm is not used to real-time chain the transaction history unit (for example, instead of including the hash value of the previous transaction history in the current transaction history) (I.e., the hash value of the previous block connected from the first block is included in the current block and / or the block chain verification value is generated for the hash value of the current block) (Or applied), a predetermined (or predetermined) waiting time is required for a transaction history to be blocked or chained in the transaction history block. For example, in some block-chain algorithms, 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. Meanwhile, according to some block chain algorithms, a plurality of node devices 175 provided on the block-chain network 170 competitively participates in the process of creating and chaining a block in which transaction details are blocked, 175) dominate the gain caused by block chaining, the node devices 175 first include a transaction history in which the gain is maximized (for example, a transaction with a high commission) in a block generated by the node device 175, You can exclude or include it later. Therefore, in the case of some transaction details broadcasted to the block-chain network 170 (for example, the external block-chain network 170) to which the block-chain algorithm is applied, a predetermined waiting time for block- It may take several hours to several days, a few weeks, or several months depending on when the node devices 175 included in the block chain network 170 include the transaction details in the block. In other words, It may not be included in the transaction history block until the network 170 is closed. In order to solve this problem, the block chaining management unit 164 broadcasts the transaction details to the block-chain network 170 through the block-chaining procedure unit 160, It is preferable to perform a procedure of managing the transaction history so that the transaction history is effectively included in the transaction history block while the block chaining of the history is proceeding.

According to the embodiment of the present invention, the block-chaining management unit 164 determines whether or not a transaction history broadcast to the block-chain network 170 is broadcasted through the block- The number of transaction details broadcasted to the block chain network 170 is checked during a reference time (e.g., a waiting time for blocking or a time corresponding to a certain rate of the waiting time). If the number of transaction details broadcasted to the block chain network 170 is less than a specified reference number (for example, the minimum number required for blocking transactions), the block chaining management unit 164, The number of transaction details broadcasted to the network 170 may be broadcast to the block chain network 170 by generating a specified number of dummy transaction details to maintain the number of transaction details to be equal to or greater than the designated reference number. Here, the dummy transaction history is not a valid transaction corresponding to actual payment result information, but is used to manage at least one of a time delay, an error occurrence, or a security problem due to a defect in some block chain algorithm (i.e., (Or fake) history information so that a new effective block is generated and validly chained at a valid block creation time in the algorithm). For example, if the block-chain network 170 is a block-chain network 170 that is self-imitating in the operator and / or a block-chain network 170 that is used locally only in a particular country / region, If there is a possibility that more than a specified number of valid payments will not be generated, the block chaining manager 164 checks the number of transaction details broadcasted to the block-chain network 170 for a specified reference time, The block chain network 170 may generate a specified number of dummy transaction details so as to maintain the number of transaction details broadcasted to the block chain network 170 to be equal to or greater than the specified reference number.

According to an embodiment of the present invention, the block chain management unit 164 may include at least one node device 175 provided in the block-chain network 170 after the transaction details are broadcasted to the block- It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 175 among the N node devices 175 provided in the block chain network 170 in a predetermined period of time. If a new block including the broadcasted transaction details is not generated within a predetermined time, the block chaining manager 164 interlocks with one or more node devices 175 provided in the block-chain network 170, May be intervened in the block chain algorithm executed through the device 175 to process a new block including the broadcast transaction details.

The block chain management unit 164 may transmit at least one node device 175 included in the block-chain network 170 after the transaction details are broadcasted to the block-chain network 170, A new block including the broadcast transaction details is generated through at least one node device 175 among the N node devices 175 provided in the block chain network 170 in a predetermined time, It is possible to confirm that a procedure for agreeing with one or more other node devices 175 provided in the network 170 is performed. If a new block including the broadcasted transaction details is generated within a predetermined time and the agreed procedure is not performed, the block chaining manager 164 notifies the block chain network 170 of one or more node devices 175 Or intervenes in a block chain algorithm executed through the node device 175 and processes the new block including the broadcast transaction details to be merged.

The block chain management unit 164 may transmit at least one node device 175 included in the block-chain network 170 after the transaction details are broadcasted to the block-chain network 170, A transaction history block including (or loading) valid blocks including the broadcast transaction details generated or agreed within a predetermined time period is transmitted to N node devices 175 included in the block-chain network 170 It can be confirmed whether or not it is distributed and stored. If a transaction history block including (or loading) valid blocks including the broadcast transaction details including the broadcast transaction details is distributed to N node devices 175 provided in the block-chain network 170, The block chaining manager 164 intervenes in the block chain algorithm that is interlocked with or executed through the one or more node devices 175 provided in the block chain network 170 or the block chain management algorithm executed through the node device 175, Transaction history blocks containing (or loading) effective blocks including generated or agreed-upon transaction details may be distributedly stored in the N node devices 175 provided in the block-chain network 170. [

Meanwhile, when a transaction history block including (or loading) a valid block including the broadcast transaction details is stored in the node device 175 included in the block-chain network 170, the block chain management unit 164 checks the transaction history block stored in the node device 175 of the block chain network 170 in association with the node device 175 provided in the block chain network 170 and stores the transaction history block in the designated block storage area, Or a process of adding (or loading) and updating the valid block, which is generated or agreed to include the broadcast transaction details, in the transaction history block in the designated block storage area.

According to the embodiment of the present invention, the block chain management unit 164 includes a transaction history block stored in the node device 175 of the block-chain network 170 or a transaction history block stored / updated in the designated block storage area A verification operation for verifying the validity of the hash values included in each block in order to chain the i (i? 2) blocks that have been subjected to the verification (e.g., an operation for verifying whether the hash value contained in each block is valid and / (Or validity of each block included in the transaction history block) through the operation of verifying the validity of the hash values included in each block through the block chain verification value . In this case, when the validity of the transaction history block (or the validity of each block included in the transaction history block) is verified, the block chain management unit 164 updates the verified transaction history block (or the transactions including validated valid blocks) History block) can be stored in the block storage area.

FIG. 2 is a diagram illustrating a process of implementing or interlocking a block-chain network 170 for block-chaining transaction details according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a block chain network 170 that implements block caching of transaction details of a specified structure through N (N? 2) node devices 175 operating according to a specified block chain algorithm, 2 block and / or modified by a person having ordinary skill in the art to which the present invention pertains, the process of synchronizing the transaction history block It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, The technical features are not limited by the method alone.

Referring to FIG. 2, the operation server 100 generates new blocks including N (N? 2) node devices 175 operating according to a designated block chain algorithm, and includes a specified number of transaction details, A transaction history block in which the new block is concluded as a valid block between the apparatuses 175 and is chained or the transaction history block containing (or loaded) chained effective blocks through the agreement process is distributed to each node device 175 (E.g., its own block-chain network 170 implemented with N node devices 175 built by the operator in-house), a virtual block-chain network 170 (e.g., (1 < n &lt; N) that is built by the operator in the hybrid block chain network 170 (e.g., virtual block chain network 170 implemented by emulating N node devices 175 through at least one server) dog At least one block-chain network (e.g., a hybrid-block-chain network 170 implemented by including a node device 175 and (Nn) virtual node devices 175 emulated through at least one server operating in the operator) 170 may be implemented (200). Or N (N? 2) node devices 175 operating in accordance with a specified block chain algorithm participate in creating a new block containing a specified number of transaction details or between each node device 175 A transaction history block containing a chained effective block through the negotiation process or a process of agreeing the new block as a valid block is distributed to each node device 175, A block chain network 170 implemented for bank management, a block-chain network 170 implemented for bank-related ledger management, a block-chain network 170 implemented for information storage (E.g., at least one external block chain network 170 that can be interlocked with the operation server 100).

Meanwhile, the node devices 175 on the block-chain network 170 include a specified number of transaction details broadcasted to the block-chain network 170 according to a block-chain algorithm implemented in the corresponding block-chain network 170, And transmits the generated new block to another node device 175 on the block chain network 170 to request the new block to be concatenated into a valid block or to request the concatenation requested block from the other node device 175 to the valid block (210), and the operation server (100) carries out a procedure of distributing and storing the transaction history block including the agreed valid blocks, A valid block that is generated or agreed to be included in the transaction history of the designated structure according to the block chain algorithm included in the block-chain network 170, It must be confirmed (or loading) a recent transaction history block (215). If the transaction history block is confirmed, the operation server 100 stores the confirmed transaction history block in the designated block storage area (220).

Thereafter, the operation server 100 checks whether a new block including a specified number of transaction details is generated according to the block chain algorithm specified on the block-chain network 170 and is agreed upon as a valid block (step 225). If a new block is created on the block-chain network 170 and the new block is concluded as a valid block, the operating server 100 identifies (230) an agreed valid block on the block-chain network 170, Stores the updated valid block in the stored transaction history block, updates and stores the valid block in the stored transaction history block (235), checks the newly created or agreed valid block on the block chain network (170) Periodically and / or continuously. As a result, the latest transaction history block can always be maintained in the block storage area.

FIG. 3 is a diagram illustrating a sound wave transmission process for sound wave settlement according to an embodiment of the present invention.

In more detail, when the merchant terminal 180 provides the payment information including the payment amount, the operation server 100 determines a unique identification code of a designated code system that uniquely identifies the payment information, And stores the mapping and provides the unique identification code to the merchant terminal 180 to transmit the sound signal encoded in the unique identification code to the merchant terminal 180 in a short distance. (See, for example, FIGS. 3 and 4), it is possible to perform various methods of delivering a sound wave for the reverse sound wave settlement (for example, It should be understood that the present invention includes all of the above-described embodiments of the present invention, This technical feature is not limited.

Referring to FIG. 3, the merchant terminal 180 constructs payment information including a payment amount according to a designated procedure (300), transmits the payment information through a designated communication path (305) (310) the payment information via the designated communication path.

The operation server 100 determines a unique identification code of a designated code system that uniquely identifies the payment information 315, maps the payment information and the unique identification code and stores the same, The unique identification code is provided 325 and the merchant terminal 180 receives the unique identification code through the designated communication path 330 and then encodes the unique identification code into the sound wave 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 short range), and transmits the sound wave (335).

4 is a diagram illustrating a sound wave settlement process according to an embodiment of the present invention.

4, when the unique ID code is transmitted from an app of the user wireless terminal 190 that has recognized the unique ID code encoded in the sound wave signal transmitted from the merchant terminal 180 provided with the unique identification code, When the server 100 receives or authenticates the unique identification code and provides the payment information mapped with the unique identification code to the application of the user wireless terminal 190, 4, and various modifications of the method of the reverse sound wave settlement process (for example, the steps of FIG. 4) may be performed by a user who has ordinary skill in the art to which the present invention belongs. Is omitted or the order is changed), but the present invention includes all of the above-mentioned embodiments, The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 4, when the unique identification code is encoded in the sound wave signal of the frequency band designated by the merchant terminal 180, which has received the unique identification code through the process of FIG. 3, The app receives the sound wave signal in the designated frequency band and recognizes the unique ID code encoded in the sound wave signal (400). Meanwhile, according to the embodiment of the present invention, the user of the user wireless terminal 190 may perform the user authentication process including the PIN authentication and the biometric authentication before receiving the sound wave signal and recognizing the unique identification code.

When the application of the user wireless terminal 190 transmits the recognized unique identification code to the operation server 100 through the communication network 405, the operation server 100 transmits the communication network from the application of the user wireless terminal 190 The unique identification code is received (410) and the validity of the received unique identification code is authenticated (415). If the validity of the unique identification code is not authenticated, the operation server 100 provides the error information through the communication network 420 and the app of the user wireless terminal 190 receives the error information through the communication network (425).

Meanwhile, when the validity of the unique identification code is authenticated, the operation server 100 confirms the payment information mapped with the unique identification code (430). In response to the payment information, A payment procedure for processing payment is performed (step 435), and payment result information for processing the payment information is confirmed (step 440). If the settlement result information processing the settlement information is confirmed, the operation server 100 provides the settlement result information to the user wireless terminal 190 (step 445), and the user wireless terminal 190 Receives and displays the payment result information (450). Meanwhile, the operation server 100 provides the settlement result information to the merchant terminal 180 (445) according to the method, and the merchant terminal 180 can receive and output the settlement information.

5 is a diagram illustrating a process of managing reverse sound wave settlement using a block chain according to an embodiment of the present invention.

FIG. 5 shows a detailed structure of the payment result information, which is block chained by the block chain algorithm, when the settlement result information that has processed settlement of payment information is confirmed through the application of the user wireless terminal 190 And a block chain process of the generated transaction details is performed through the block chain network 170. The block chain network 170 is a process for generating a transaction history including a result, It is possible to refer to and / or modify this FIG. 5 to infer various implementations of the reverse acoustic wave settlement process (e.g., omitting some steps or changing the order) using the block chain , The present invention includes all of the above-mentioned methods of practicing the invention, Technical features are not limited.

Referring to FIG. 5, a block-chain network 170 (block 170) for block-chaining transaction details of a specified structure through N (N? 2) node devices 175 operating in accordance with a block- ) Or interworking with the block chain network 170 implemented in FIG. 4, and when confirming the payment result information processing the settlement of payment information through the application of the user wireless terminal 190 through the process of FIG. 4, (100) performs a procedure of generating a transaction history including a payment result of the settlement result information in a designated history structure that can be block-chained by a block chain algorithm (500).

According to the first transaction history embodiment of the present invention, the operation server 100 can block-chained through a block-chaining algorithm of the block-chain network 170 among M (M? 2) A transaction history including the specified m (1? M? M) information corresponding to the specified history structure can be generated (500).

According to the second transaction history embodiment of the present invention, the operation server 100 can block-chained through block-chain algorithms of the block-chain network 170 among M (M? 2) (1? M? M) pieces of information to be included in the transaction details corresponding to the specified structure, and identifies j (1? J <m) pieces of private object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 100 may further include identification information for uniquely matching identification of the identified j pieces of secret object information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of pieces of non- Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure target information and the identification information are stored / confirmed, the operation server 100 includes (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information A transaction history can be generated (500).

According to the third transaction history embodiment of the present invention, the operation server 100 can block-chained through block-chain algorithms of the block-chain network 170 among M (M? 2) (1? M? M) pieces of information to be included in the transaction details corresponding to the specified structure, and identifies j (1? J <m) pieces of private object information among the m pieces of confirmed information. When the i unavailability target information is confirmed, the operation server 100 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the specified hash algorithm, and outputs mj ) Disclosable information and the generated hash information (500).

According to the fourth transaction history embodiment of the present invention, the operation server 100 can block-chained through a block-chaining algorithm of the block-chain network 170 among M (M? 2) (1? M? M) pieces of information to be included in the transaction details corresponding to the specified structure, and identifies j (1? J <m) pieces of private object information among the m pieces of confirmed information. When the i unavailability target information is confirmed, the operation server 100 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, (Mj) pieces of publicly available information included in the payment result information and the generated password information (500).

According to the fifth transaction history embodiment of the present invention, the operation server 100 confirms the settlement approval result included in the settlement result information, and selects one of M (M &gt; = 2) A transaction history including the specified m (1? M? M) pieces of information corresponding to the specified history structure that can be block chained by the block chain algorithm of the chain network 170 can be generated (500).

According to the sixth transaction history embodiment of the present invention, the operation server 100 confirms the payment approval result included in the payment result information, and selects the M (M? 2) (1? M? M) pieces of information to be included in a transaction history corresponding to a specified history structure capable of being block chained by the block chain algorithm of the chain network 170, j < m) pieces of private object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 100 may further include identification information for uniquely matching identification of the identified j pieces of secret object information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of pieces of non- Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure target information and the identification information are stored / confirmed, the operation server 100 includes (mj) pieces of publicly available information included in the payment approval result and the stored / A transaction history can be generated (500).

According to the seventh transaction history embodiment of the present invention, the operation server 100 confirms the payment approval result included in the payment result information, and selects one of M (M &gt; = 2) (1? M? M) pieces of information to be included in a transaction history corresponding to a specified history structure capable of being block chained by the block chain algorithm of the chain network 170, j &lt; m) pieces of private object information. When the i unavailability target information is confirmed, the operation server 100 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the specified hash algorithm, ) Disclosable information and the generated hash information (500).

According to the eighth transaction details of the present invention, the operation server 100 confirms the settlement approval result included in the settlement result information, and selects one of the M (M &gt; = 2) (1? M? M) pieces of information to be included in a transaction history corresponding to a specified history structure capable of being block chained by the block chain algorithm of the chain network 170, j &lt; m) pieces of private object information. When the i unavailability target information is confirmed, the operation server 100 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, A transaction history including (mj) pieces of publicly available information included in the payment approval result and the generated password information may be generated (500).

According to an embodiment of the ninth transaction of the present invention, the operation server 100 may execute at least part of at least two embodiments among the first to eighth transaction details embodiments, A transaction detail of the chained executable history structure may be generated 500 and the present invention may include such an embodiment as well.

When the transaction history of the specified history structure that can be block chained is generated through the block chain algorithm of the designated block chain network 170, the operation server 100 broadcasts the generated transaction history to the block chain network 170, And processes to perform the chaining procedure (505).

The node device 175 on the block-chain network 170 collects a specified number of transaction details broadcasted to the block-chain network 170 according to a specified block-chain algorithm (510). If a specified number of transaction details are collected, the node device 175 on the block-chain network 170 generates a new block including a specified number of transaction details and requests agreement on the valid block through the other node device 175 And / or perform a procedure of verifying 515 the new block requested by the other node device 175 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction details is chained, the node device 175 on the block-chain network 170 transmits a transaction history block containing (or loading) the chained effective block (520), and stores the configured transaction history block in each node device (175) in a distributed manner (525).

Meanwhile, the operation server 100 determines whether the number of transaction details broadcasted to the block-chain network 170 is less than a specified reference number during a predetermined reference time (530). If the number of transaction details broadcasted to the block-chain network 170 during the designated reference time is a designated reference number, the operating server 100 determines whether the number of transaction details broadcasted to the block- Dummy transaction details may be generated and maintained to be broadcast to the block-chain network 170 in order to maintain the number of transaction details above the specified reference number (535). The node device 175 on the block-chain network 170 transmits to the block-chain network 170 the number of transactions broadcasted to the block-chain network 170, The transaction details are collected 510, a new block including the collected transaction details of the specified number is generated, and a procedure of requesting agreement with a valid block is performed through another node device 175 and / (515), and a transaction history block including (or loading) the chained effective block is constructed (520), and each node device 175) in a distributed manner (525).

Meanwhile, the operation server 100 broadcasts the transaction details to the block-chain network 170, and transmits the transactions to the block-chain network 170 in association with the block- (540) such that the history is effectively block-chained.

According to an embodiment of the present invention, the operation server 100 interworks with at least one node device 175 provided in the block-chain network 170 after the transaction history is broadcasted to the block- It is possible to confirm whether a new block including the broadcast transaction details is generated through at least one node device 175 among the N node devices 175 provided in the block chain network 170 within a predetermined time ). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 100 may interwork with one or more node devices 175 provided in the block-chain network 170, (Block 540) to intervene in the block chain algorithm executed through the transaction block 175 to generate a new block including the broadcast transaction details.

Meanwhile, according to an embodiment of the present invention, after the transaction details are broadcasted to the block-chain network 170, the operation server 100 transmits at least one node device 175, A new block including the broadcast transaction details is generated through at least one node device 175 among the N node devices 175 provided in the block chain network 170 in a predetermined time, (540) whether a procedure for negotiating with one or more other node devices (175) in the network (170) is performed. If a new block including the broadcast transaction details is generated within a predetermined period of time and the agreed procedure is not performed, the operation server 100 may access the one or more node devices 175 provided in the block- Or intervenes in a block chain algorithm executed through the node device 175 to process a new block including the broadcast transaction details to be merged (step 540).

Meanwhile, according to an embodiment of the present invention, after the transaction details are broadcasted to the block-chain network 170, the operation server 100 transmits at least one node device 175, A transaction history block including (or loading) valid blocks including the broadcast transaction details generated or agreed within a predetermined period of time is distributed to N node devices 175 included in the block-chain network 170 (540). If a transaction history block including (or loading) valid blocks including the broadcast transaction details including the broadcast transaction details is distributed to N node devices 175 provided in the block-chain network 170, The operating server 100 may intervene in a block-chain algorithm interfaced with or run through the one or more node devices 175 provided in the block-chain network 170, A transaction history block including (or loading) valid blocks including the transaction details including the transaction details may be distributedly stored in the N node devices 175 included in the block-chain network 170 ).

Meanwhile, when a transaction history block including (or loading) valid blocks including the broadcast transaction details is stored in the node device 175 included in the block-chain network 170, the operation server 100 Checks the transaction history block stored in the node device 175 of the block chain network 170 in cooperation with the node device 175 provided in the block chain network 170 and stores the transaction history block in the designated block storage area and / Alternatively, a procedure may be performed to add (or load) and update the valid block, which has been generated or agreed to include the broadcast transaction details, in the transaction history block in the designated block storage area.

According to an embodiment of the present invention, the operating server 100 may include a transaction history block stored in the node device 175 of the block-chain network 170 or a transaction history block stored in the transaction history block stored / a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Validity of each block included in the transaction history block) of the transaction history block through an operation of verifying the validity of the hash values included in each block through the block chain verification value have. In this case, when the validity of the transaction history block (or validity of each block included in the transaction history block) is verified, the operation server 100 checks the transaction history block (or the transaction history including the validated valid blocks Block) in the block storage area.

100: operating server 104: block chain operating section
108: block management unit 112: payment information reception unit
116: unique identification code determination unit 120: payment information mapping unit
124: Unique identification code providing unit 128: Unique identification code receiving unit
132: unique identification code authentication unit 136: payment information verification unit
140: Payment processing procedure part 144: Result information confirmation part
148: Result information providing unit 152: Approval result confirmation unit
156: transaction history generating unit 160: block chaining process unit
164: Block Chain Management Unit 170: Block Chain Network
715: Node device 180: Merchant terminal
190: wireless terminal

Claims (25)

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 first step of implementing a block-chain network for block-chaining transaction details of a specified structure through N (N? 2) node devices operating according to a specified block-chain algorithm, or interworking with a block-chain network implemented;
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 settlement result information that has processed payment information corresponding to the authenticated unique identification code;
A sixth step of generating a transaction history including a payment result of the settlement result information in a specified history structure that can be block chained by the block chain algorithm; And
And performing a block chaining procedure for the generated transaction details through the block chain network.
The method of claim 1, wherein the block-
A self-block chain network implemented through N node devices built by an operator operating the operation server,
A virtual block chain network implemented by emulating N node devices through at least one server operated by the operator,
At least one of a composite block-chain network implemented by including n (n < = n &lt; N) node devices built in the operating company and (Nn) virtual node devices emulated through at least one server operated by the operator And a block chain network of the block chain.
The method of claim 1, wherein the block-
Block chain network implemented for cryptographic transactions,
In order to manage financial related ledgers,
And at least one external block chain network capable of interlocking with the operation server among the block chain networks implemented for storing information.
4. The method according to claim 2 or 3, wherein the block-
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network in which characteristics of a public block chain network and a private block chain network are partially mixed with each other.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) generates a new block according to a specified block-chain algorithm and joins the active server as an active node capable of requesting a consensus as a valid block A method of sound wave payment management using block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) is created or agreed according to a designated block-chaining algorithm and participated in a passive node capable of real- A sound wave payment management method using a block chain.
2. The method according to claim 1,
N (N? 2) node devices operating in accordance with a specified block chain algorithm generate a new block including a specified number of transaction details or perform a procedure of agreeing the new block as a valid block between each node device Or block-chain networks for distributing and storing transaction history blocks containing (or loading) effective blocks that are chained through the above-mentioned consensus process, in cooperation with the block-chain network implemented or implemented Wherein the block chain comprises at least one of:
2. The method according to claim 1,
Further comprising the step of identifying a transaction history block including chained blocks created or agreed upon according to a block chain algorithm implemented in the block chain network and storing the transaction history block in a designated block storage area, How to manage your payments.
9. The method according to claim 1 or 8,
And verifying the validity of the transaction history block by performing a specified verification operation of hash values included in each of the blocks to chain i (i? 2) blocks included in the transaction history block A sound wave payment management method using a block chain.
The method as claimed in claim 1,
And generating transaction details including m (1? M? M) pieces of information among M (M? 2) pieces of information included in the payment result information. How to manage.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in transaction details among the M (M? 2) pieces of information included in the payment result information and identifies m Confirming the non-disclosure target information;
Matching the identified j pieces of private object information with unique identification information and storing the identified j pieces of private object information in a specified management DB or checking j pieces of private object information and identification information previously stored in the management DB; And
And generating transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment result information.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in transaction details among the M (M? 2) pieces of information included in the payment result information and identifies m Confirming the non-disclosure target information;
Generating hash information by unidirectionally hashing the identified j number of pieces of private information through the hash algorithm; And
And generating transaction details including (mj) pieces of publicly available information included in the payment result information and the generated hash information.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in transaction details among the M (M? 2) pieces of information included in the payment result information and identifies m Confirming the non-disclosure target information;
Generating cryptographic information by encrypting the identified j pieces of private information to be decrypted by using a cryptosystem for decrypting only the decrypted private key; And
And generating transaction details including (mj) pieces of publicly available information included in the payment result information and the generated password information.
The method as claimed in claim 1,
Confirming a payment approval result included in the payment result information;
And generating transaction details including the payment approval result in a specified structure that can be block-chained by the block chain algorithm when the settlement approval result is confirmed. .
15. The method of claim 14,
When the payment approval result is confirmed, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment approval result are checked and j 1 < = j &lt; m) pieces of private object information;
Matching the identified j pieces of private object information with unique identification information and storing the identified j pieces of private object information in a specified management DB or checking j pieces of private object information and identification information previously stored in the management DB; And
And generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the stored / confirmed identification information.
15. The method of claim 14,
When the payment approval result is confirmed, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment approval result are checked and j 1 < = j &lt; m) pieces of private object information;
Generating hash information by unidirectionally hashing the identified j number of pieces of private information through the hash algorithm; And
And generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the generated hash information.
15. The method of claim 14,
When the payment approval result is confirmed, m (1? M? M) pieces of information to be included in transaction details among M (M? 2) pieces of information included in the payment approval result are checked and j 1 < = j &lt; m) pieces of private object information;
Generating cryptographic information by encrypting the identified j pieces of private information to be decrypted by using a cryptosystem for decrypting only the decrypted private key; And
And generating transaction details including (mj) pieces of publicly available information included in the payment approval result and the generated password information.
The method as claimed in claim 13 or 17,
A key value included in a designated security zone of the operation server,
And a private key of a server-side certificate of the operating server.
The method as claimed in claim 1,
And transmitting the generated transaction details to the block-chain network and performing a block-chaining process.
19. The method of claim 18,
Confirming that the number of transaction details broadcasted to the block-chain network for a specified reference time is less than a specified reference number; And
When a transaction history of less than the specified reference number is broadcasted to the block chain network during a specified reference time, the number of transaction details broadcasted to the block chain network during the specified reference time is set to be greater than or equal to the specified reference number Generating a number of dummy transaction details and broadcasting the dummy transaction details to the block chain network.
19. The method of claim 18,
Confirming whether a new block including the broadcast transaction details is generated through at least one of the N node devices included in the block chain network within a predetermined time after broadcasting the transaction details to the block chain network And transmitting the sound wave to the sound source.
19. The method of claim 18,
A new block including the broadcast transaction details is generated through at least one of the N node devices included in the block chain network within a predetermined time after broadcasting the transaction details to the block chain network, And confirming whether or not a procedure for making a consensus is performed.
19. The method of claim 18,
A transaction history block including (or loading) valid blocks including the broadcast transaction details within a predetermined time after broadcasting the transaction details to the block chain network is transmitted to N node devices The method comprising the steps of: (a) determining whether a block chain is distributed and stored;
The method as claimed in claim 1,
Further comprising the step of identifying and storing the transaction history block including the chained blocks generated or agreed upon in accordance with the block chain algorithm implemented in the block chain network and storing or updating the transaction history block in the designated block storage area, Using sound wave payment management method.
The method of claim 1 or 24,
And verifying the validity of the transaction history block by performing a specified verification operation of hash values included in each of the blocks to chain i (i? 2) blocks included in the transaction history block A sound wave payment management method using a block chain.

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