KR20190065871A - Method for Providing Reverse Direction Payment based on Sound Wave by using Cryptocurrency - Google Patents

Abstract

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

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a reverse-

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 the user of the user wireless terminal that has recognized the unique ID code encoded in the transmitted sound wave signal requests payment using the block chain based cipher key for the payment information, Lt; / RTI &gt;

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, When the application of the user wireless terminal recognizing the unique ID code encoded in the sound wave signal transmitted from the sound terminal of the merchant terminal after providing it to the merchant terminal requests payment using the block chain based cipher key specified for the payment information And to provide a reverse sound wave settlement method using a cipher money to process payment of the settlement information by using a block chain-based cipher currency.

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

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

A method for a reverse sound wave settlement method using a cryptogram according to the present invention is implemented through an operation server communicating with a user wireless terminal and interworking with an affiliate terminal operated by a merchant, A cryptographic block including chained blocks generated or agreed upon on N block-chain networks implementing cryptographic currency is identified and stored in a designated block storage area, and a process of periodically checking and updating blocks newly created or agreed is performed A second step of receiving settlement information including a settlement amount from the merchant terminal; a second step of determining a unique code of a designated code system that uniquely identifies the received settlement information, mapping and storing the unique identification code with the settlement information A third step of providing the unique identification code to the merchant terminal, A fourth step of receiving the unique identification code from an app of a user wireless terminal that has recognized a unique identification code encoded in a sound wave signal transmitted from a sound wave; and a fourth step of checking the payment information, which is mapped with the received unique identification code, A fifth step of providing the payment information to an app of the user wireless terminal, a fifth step of providing a payment request using an nth (1? N? N) N is the number of the cryptographic unit of the n-th cryptographic unit, and the number of the n-th cryptographic unit of the n-th cryptographic unit is at least A seventh step of performing one cryptographic currency settlement validity authentication procedure; and a seventh step of, if the at least one specified cryptographic currency settlement validity is authenticated, An eighth step of performing a cryptographic currency transaction procedure designated to settle the settlement amount of the settlement information using the cryptographic unit held in the cryptographic currency account; And a ninth step of confirming the encrypted money based settlement result information and providing it to the app of the user wireless terminal and the merchant terminal.

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

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

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

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

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

According to the present invention, in the reverse sound wave settlement method using the cryptographic currency, when an account is settled and paid through the n-th cipher instead of the real money at the merchant, the merchant identification information for identifying the account And the merchant's cryptographic account information that identifies the merchant's cryptographic account that is registered to identify the cryptographic unit held by the merchant (or merchant) on the n-th block chain network implementing the n-th cryptographic currency, The franchise-side cryptograph registration information including the franchise-side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account in accordance with the block-chain algorithm implemented on the chain network is registered A step of registering the franchise-side encrypted money account information, And a management step of managing the merchant-side password money transaction by storing the encrypted money transaction authentication information in the designated management DB in association with the merchant store identification information.

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

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

According to another aspect of the present invention, there is provided a reverse sound wave settlement method using a cipher key, the method comprising: registering user information on the user through an app of a user wireless terminal; A user side password money account information identifying a user password money account set for identifying a currency unit and a block chain algorithm implemented on the nth block chain network, A step of registering user-side password money registration information including user-side password money transaction authentication information set for a password currency transaction, a step of registering the user side password money account information and user- User-side encryption by storing in the designated management database in association with user information A management step of managing the transaction may be further included.

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

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

According to the present invention, the fifth step may further include authenticating the validity of the received unique ID code.

According to the present invention, the reverse sound wave settlement method using the cipher money is characterized in that the exchange rate information set for the exchange between the cipher money corresponding to the cipher money block stored in the designated block storage area and the designated real money is confirmed and stored in the designated exchange storage area The method comprising the steps of:

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

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

According to the present invention, the reverse sound wave settlement method using the cryptography is a method of confirming exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And updating the exchange rate information stored in the designated exchange rate storage area by confirming the exchange rate information that is changed every designated period.

According to another aspect of the present invention, there is provided a reverse sound wave settlement method using the cipher money, wherein when the payment request using the n-th cipher currency is confirmed, based on the current exchange rate information between the updated n-th cipher currency and the designated real money, The method may further include the step of confirming the information and the step of determining a unit of a unit of password for payment corresponding to a settlement amount of the settlement information based on the settlement exchange rate information.

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

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

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

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

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

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

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

According to another aspect of the present invention, there is provided a reverse sound wave settlement method using the encrypted money, comprising the steps of: when confirming an idle state user-withdrawal-related unrecognized password money transaction history including the user's password money account in the nth block- The settlement amount of the settlement information in the user's cipher money account using one or more cipher currency units of the encrypted currency unit included in the confirmed uninitialized cipher currency transaction details and the encrypted currency unit held in the user's cipher currency account, And a step of authenticating whether or not the user has a valid cipher currency unit capable of payment.

According to another aspect of the present invention, there is provided a reverse sound wave settlement method using the encrypted money, comprising the steps of: when confirming an idle state user-withdrawal-related unrecognized password money transaction history including the user's password money account in the nth block- In the n &lt; th &gt; cipher block network, a block encryption process based on a block chain algorithm implemented in an n &lt; th &gt; block chain network, And performing the specified procedure for the first time.

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

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

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

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

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

According to the present invention, when the payment information including the payment amount is received from the merchant terminal, the unique identification code that uniquely identifies the payment information is determined, and the payment information is mapped and stored to the merchant terminal, If the user of the user wireless terminal that has recognized the unique ID code encoded in the sound wave signal transmitted from the sound wave transmitted from the sound wave transmitted from the user transmits a payment using the block chain based cipher currency specified for the payment information, There is an advantage in that settlement of the settlement information is processed by using it as a possible settlement means.

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

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

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

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

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

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

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

1, when a payment information including a payment amount is received from an affiliate shop terminal 185, a unique identification code for uniquely identifying the payment information is determined, and the unique identification code is mapped with the payment information and is provided to the merchant terminal The user of the user wireless terminal 190 that has recognized the unique ID code encoded in the sound wave signal transmitted from the merchant terminal 185 transmits the payment using the block chain based cipher specified for the payment information And if it is requested, processes the settlement of the payment information using the block chain-based cipher currency. As a person skilled in the art, referring to FIG. 1 and / or FIG. Various methods for the reverse sound wave settlement system using the encrypted money (for example, , Or would be able to infer the segmentation, or exemplary method or combined), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

The system of the present invention provides settlement information including a settlement amount at an offline merchant to the specified operating server 100, encodes the unique identification code provided by the operation server 100 into a sound signal, And a function of recognizing the unique ID code encoded in the sound wave signal transmitted from the sound wave transmitted from the merchant terminal 185 to the operating server 100, A user wireless terminal (190) having a function of receiving payment information mapped with a unique identification code, outputting the payment information, and requesting settlement of the payment information using a designated block chain-based password as a payment means; 185), determines a unique identification code that uniquely identifies the payment information, maps the payment information to the payment information, When receiving the unique identification code recognized through the sound wave signal transmitted from the sound wave transmitted from the merchant terminal 185 by the app of the user wireless terminal 190 to the blind spot terminal, And an operation server (100) having a function of providing payment information mapped with an identification code. The application of the user wireless terminal (190) uses the block chain- And a cryptographic server (not shown) for performing a procedure for processing a cryptographic transaction based on the settlement information in cooperation with the block-chain network 175 implementing the block-chain-based cryptographic process. However, for the sake of convenience, a functional block for processing a block-chain-based encrypted money settlement in conjunction with the block-chain network 175 in the embodiment of FIG. 1 will be described in the operating server 100, And a function configuration unit for processing the block-chain-based encrypted money settlement in cooperation with the block-chain network 175 may be implemented in the operation server 100 and / or a separate (or more than one) ) &Lt; / RTI &gt; cryptographic server.

The merchant terminal 185 is a collective term for the terminal devices provided at the merchant for reverse sound wave settlement. For example, the merchant terminal 185 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 for the sake of convenience, the description describing the franchise terminal 185 as a subject is executed through an application installed in the franchise terminal 185 without any specific description.

According to the method of the present invention, the merchant terminal 185 receives the settlement amount and / or transmits it to the merchant terminal 185 through at least one recognizer (for example, a barcode reader, an RF reader, a camera, etc.) Recognizes the product code, inquires the designated DB on the basis thereof, calculates the settlement amount based on the commodity price of the confirmed commodity information, and / or displays a list of the commodity information registered in the commodity terminal 185, 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.

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

According to the method of the present invention, the payment information may include, in addition to the input / calculated payment amount, the merchant number, the merchant information, the terminal identification information for identifying the merchant terminal 185 provided in the merchant terminal 185, (For example, a product name, a product code, an item name, an item name, an item name, a product name, a product name, and a product name) that are input through the merchant terminal 185 and / Product price, unit price, quantity, etc.).

The operation server 100 receives payment information including the payment amount from the merchant terminal 185, 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 185 receives the unique identification 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 audio 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 185 specifies the receiver to receive the sound wave signal, broadcasts the sound signal at a short distance instead of feeding the sound wave signal, A device having a sound input unit of the device is capable of receiving the sound wave signal.

The user wireless terminal 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.

According to the embodiment of the present invention, 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 185 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 may read the unique ID code received from the app of the user wireless terminal 190 according to a designated code system and authenticate the unique ID code provided to the merchant terminal 185. The operation server 100 confirms payment information mapped with the received / authenticated unique identification code, provides the payment information to an application of the user wireless terminal 190, and transmits the payment information to the user wireless terminal 190 The app receives and outputs the payment information.

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 application of the user wireless terminal 190 requests / processes payment for the payment information using the block chain-based password as a payment means instead of the real money-based payment means, Request / process payment of at least a part of the payment amount of the payment information through the designated block chain-based password currency (in this case, the remaining amount can be requested / processed through the real money-based payment unit or another block chain- can do. Hereinafter, the embodiment of the present invention will be described with respect to an embodiment in which the application of the user wireless terminal 190 requests / processes payment of the payment information through the block-chain-based cryptography specified by the user, Thus, the present invention is not limited thereto, and the application of the user wireless terminal 190 can request / process payment of the payment information by using the real money-based payment means in addition to the block chain-based password.

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

According to an embodiment of the present invention, the operating server 100 can communicate with an app of the user wireless terminal 190 and directly or indirectly interlock with the affiliate terminal 185, and can communicate with the app of the user wireless terminal 190 Or executes a server side configuration for reverse sound wave settlement by directly or indirectly interlocking with the merchant terminal 185. When a block chain cipher based payment is requested in an application of the user wireless terminal 190, Run server-side configuration for payment. Hereinafter, for the sake of convenience, the operation server 100 can provide a block-chain cryptography-based settlement through N (N? 1) ciphers implemented on a block-chain basis, An embodiment for providing a cipher-based payment using a cipher key will be mainly described, but it is not limited to an embodiment for providing a settlement through a specified one block-chain cipher currency, The present invention can be applied to all embodiments that select a cryptographic currency to provide settlement, and the present invention can be applied to an embodiment (or a scope of rights) using any one specified block-chain cryptographic key and an implementation using two or more block- Examples (or ranges of rights) are encompassed.

Referring to FIG. 1, the operation server 100 may perform a block chain algorithm based on a block chain algorithm implemented on N block chain networks 175 implementing N (N? 1) A ciphertext block storage unit 103 for identifying and storing a ciphertext block including generated blocks or chained blocks in a designated block storage area and a block chaining algorithm implemented on the N blockchain networks 175 And a crypto-currency block updating unit 106 for performing a procedure of confirming a new block newly created or agreed and chaining the new block to a cryptographic block stored in a designated block storage area and updating the cryptographic block.

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than in a server-centralized scheme, a block-chain network 175 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 175 as a 'node device 180'.

Meanwhile, the block-chain network 175 includes a public block-chain network 175 in which anyone can participate, or a private block-chain network 175 in which only a limited (or pre-authenticated) According to an embodiment of the present invention, the block-chaining algorithm includes a hybrid block-chain network 175 that partially mixes the characteristics of the public block-chain network 175 and the private-block-chain network 175 .

According to an embodiment of the present invention, the node device 180 on the block-chain network 175 is able to receive a cipher text generated on the designated block-chain network 175 based on the block-chain algorithm implemented on the designated block- A function of storing a block in a designated storage area, a function of collecting a cryptographic transaction history broadcasted in a designated block chain network 175, a function of forming a block by blocking the collected specified number of cryptographic transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake, and CBB (Consensus-By-Bet)) to generate a new block, a function of requesting the other node device 180 to settle the newly generated block, Verifying the block-chain validity of the requested block based on the block-chain verification value included in the block requested to be concluded from the device 180, and connecting the verified block to the pre-stored encrypted currency block A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 175 is installed and all the node devices 180 operating on the specific block chain network 175 execute the same block It is preferable that the same version of the block chain program to which the chain algorithm is applied is executed.

According to the present invention, the operating server 100 can use N (N &gt; = 1) cipher systems implemented on a block-chain basis as payment means, and the operating server 100 ) Of the components of the cryptography-related part of the block-chain-based cryptography (e. G., The components of the cryptography-related part of the components of the designated block-chain network 175) Or a virtual node participating in the designated block-chain network 175 (for example, a block-chain-program-implemented block-chain-program- A virtual node implemented through the same program as the block chain program) and / or implemented on the designated block-chain network 175 and effectively It can be linked in real time and the node device (180). In the present invention, N pieces of cipher money include not only embodiments using a plurality of cipher keys, but also embodiments using any one particular number of cipher keys. However, even if the N ciphers are represented (or described) in the detailed description or the claims of the present invention for the sake of convenience in the following description, it is only for the sake of convenience of explanation. In the present invention, N ciphers Embodiments (or ranges of rights), as well as embodiments (or scope of rights) using a single cryptographic currency.

According to the first cryptography embodiment of the present invention, the N ciphers may be provided to the operating server 100 (or the node device 180 associated with the operating server 100) on a designated block-chain network 175 And may include a cryptogram in which a block is generated according to a block chain algorithm implemented in an active node that can request a consensus. Here, the active node is an actual node device 180 implemented on a designated block-chain network 175, or a node that operates in an equivalent manner, and is preferably a block-chain algorithm implemented on a designated block- Storing the encrypted money blocks generated on the block chain network 175 designated by the designated block chain network 175 in a designated storage area, collecting the encrypted currency transaction details broadcasted to the designated block chain network 175, A function of constructing a block by blocking the transaction history of the encrypted money, a function of generating at least one hash value for chaining the configured block, and a function of generating a valid block chain verification value for chaining and integrity verification of the composed block A function of generating a new block by applying the new block to the node device 180, A function of verifying the block chain validity of the block requested to be concluded on the basis of the block chain verification value included in the block requested to be concluded from the other node device 180, And may perform the functions defined in the block chain algorithm implemented on the block chain network 175 among the connecting functions.

According to a second cryptography embodiment of the present invention, the N ciphers may be provided to the operating server 100 (or the node device 180 associated with the operating server 100) on a designated block-chain network 175 And a cipher money which is generated or agreed through a block chain algorithm implemented in the passive node capable of real-time checking the chained block. Herein, the passive node is a node that is created or agreed upon on a block-chain network 175 in cooperation with an actual node device 180 implemented on a designated block-chain network 175 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a designated block chain network 175 based on a block chain algorithm implemented on the block chain network 175; A function of verifying the block chain validity of the block requested to be concluded based on the block chain verification value included in the block requested to be concluded from the concatenated cryptographic block, One function can be performed.

According to the third cryptographic embodiment of the present invention, the N ciphered currencies may include the cryptographic currency of the operator issued through its own block-chain network 175 implemented in the operator operating the operating server 100 have. The private block chain network 175 implemented by the operator may include a public block chain network 175 or may include a private block chain network 175 or may include a public block chain network 175 and a private block chain 175. [ And may include a hybrid block-chain network 175 that partially combines the features of network 175.

According to the first self-block-chain network 175 of the present invention, the self-block-chain network 175 implemented by the operator can be operated in the form of a public-block-chain network 175 in which the node can participate.

According to the second self-block-chain network 175 embodiment of the present invention, the own block-chain network 175 implemented by the operator may include a designated number of node devices 180 distributedly constructed and operated by the operator And in this case, the own block-chain network 175 may operate in the form of a private block-chain network 175.

According to the third self block chain network 175 of the present invention, the own block chain network 175 implemented by the operator includes a designated number of node devices 180 distributedly constructed and operated by the operator, In this case, the own block chain network 175 may include a designated number of node devices 180 operated by an operator. In this case, And a hybrid block chain network 175 in which an external node device 180 participates.

According to the fourth self block chain network 175 of the present invention, the own block chain network 175 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator And in this case, the own block-chain network 175 can be operated in the form of a virtual private block-chain network 175.

According to the fifth self block chain network 175 of the present invention, the own block chain network 175 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the self-block-chain network 175 may include a virtual node operated by an operator and an external node device 180 participating in the virtual node, A hybrid block chain network 175 may be used.

According to the sixth self-block chain network 175 of the present invention, the own block chain network 175 implemented by the operator includes a designated number of node devices 180 distributedly constructed and operated by the operator, And may include a virtual node implemented in software via one or more operating servers, in which case the own block-chain network 175 includes a specified number of node devices 180 and a specified number of virtual nodes And may be operated in the form of a private block chain network 175.

According to the seventh self block chain network 175 of the present invention, the own block chain network 175 implemented by the operator includes a designated number of node devices 180 distributedly constructed and operated by the operator, And a virtual node that is implemented in software through one or more servers that are operated by the node device 180. The node device 180 may allow the participation of an external node device 180 in addition to the virtual node and the designated number of node devices 180, The own block-chain network 175 may be operated in the form of a hybrid block-chain network 175 in which a specified number of node devices 180 operated by an operator and a virtual node and an external node device 180 participate.

According to the eighth self-block-chain network 175 embodiment of the present invention, the self-block-chain network 175 implemented by the operator includes at least two of the first through seventh self- At least partially in combination, and the present invention clearly encompasses these embodiments as well.

The cryptographic block storing unit 103 stores at least one (1) block in the N block chain networks 175 implementing N (N? 1) To identify N ciphered currency blocks including blocks ciphered or agreed upon in accordance with respective block chain algorithms implemented on the N block-chain networks 175 in conjunction with the node device 180 of the node device 180, Stores N encrypted currency blocks in the designated block storage area. That is, the block-chain-based encrypted money is stored in the respective node devices 180 provided in the block-chain network 175 in a P2P form without a centralized server, and is periodically updated , The encrypted currency block storage unit 103 can identify N encrypted currency blocks in association with at least one node device 180 provided in the N block chain networks 175 and store the N encrypted currency blocks in a designated block storage area.

On the other hand, the node devices 180 provided in the N block-chain networks 175 perform a procedure for creating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chain network 175, The money block updating unit 106 checks a new block newly created or agreed on the N block chain networks 175 according to the block chain algorithm implemented on the N block chain networks 175, And performs a procedure of chaining and updating the identified new block in each of the encrypted money blocks stored in the area.

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

According to the embodiment of the present invention, the crypto-money block updating unit 106 updates the cryptographic money that has been newly created or agreed upon on the block-chain network 175 of the cryptography used as the payment means while the specified cryptogram is used as a payment means It is desirable that the new block is repeatedly executed by confirming the new block and chaining it in the encrypted currency block of the corresponding encrypted currency stored in the designated block storage area.

Referring to FIG. 1, the operation server 100 identifies a merchant that can settle and settle through the n-th cipher money when payment is settled through the nth (1? N? N) cipher instead of the real money at the merchant (Or an affiliate shop) on the n-th block-chain network 175 that implements the n-th cipher currency, and stores the merchant-side password that identifies the merchant's cipher account set to identify the cipher unit held by the merchant The cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account according to the money account information and the block chain algorithm implemented on the nth block- A cryptographic information registration unit 115 for performing a procedure for registering the merchant's password money registration information including the franchise point password information, And a cryptographic information management unit (118) for storing the cryptographic transaction authentication information in association with the merchant identification information and storing the cryptographic transaction authentication information in a designated management DB, wherein the cryptographic information management unit (118) (I &lt; [chi] &gt;) blocks included in the latest updated n-th cipher block are included in the cipher currency cipher account of the n-th cipher, so as to calculate the cipher unit held in the merchant cipher account of the n-th cipher And stores it in the management DB in association with the merchant's password money account information. On the other hand, during the process of reading the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block, the cipher information management unit 118 stores the i- A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each block.

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

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

In the case where the merchant terminal 185 (or the designated registered terminal) receives payment settlement through the nth (1? N? N) cipher rather than the real currency at the merchant, the merchant terminal 185 (Or merchant account) that identifies the cryptographic unit held by the merchant (or merchant) on the n-th block-chain network 175 implementing the n-th cryptographic currency, And the franchise-side cryptographic transaction authentication information (for example, franchise-side cryptographic transaction authentication information) set for the cryptographic currency transaction using the cryptographic account unit held in the merchant cryptographic account according to the block chain algorithm implemented on the n-th block- The password, the authentication code, the registration code, the certificate information, the certificate password, etc.) for the password transaction, etc. And the cryptographic information registering unit 115 registers the merchant identification information for identifying the merchant that can settle and settle the settlement through the n-th cipher according to the designated registration procedure, and receives the n-th cipher, The merchant's cryptographic account information for identifying the merchant's cryptographic account established to identify the cryptographic unit held by the merchant (or merchant) on the chain network 175, And the merchant's cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the merchant's cryptographic account according to the chain algorithm, The money information management unit 118 stores the merchant's password money account information and the merchant's password money transaction authentication information In the designated management DB in association with the merchant store identification information, the settled amount based on the payment approval at the time of approval of the password-based payment is settled to the merchant's password money account through the merchant's password money account information and the merchant's password money transaction authentication information And can be managed so that a cryptographic transaction can occur. In other words, the owner of the cryptographic money account can not be identified on the n-th block-chain network 175 through the merchant's cryptographic account information, but the cryptographic information management unit 118 can not identify the owner of the cryptographic money account The owner of the cryptographic account corresponding to the merchant's password account information can identify and manage the franchisee corresponding to the merchant identification information by storing the information and the merchant identification information in association with each other.

On the other hand, when the merchant-side password money registration information is registered, the password-money-information managing unit 118 stores i (i, j) included in the latest updated nth password block in the block storage area based on the merchant- i &gt;) blocks (e.g., checking the details of the password currency transactions including the merchant's password account information as the withdrawal account or including the merchant account as the withdrawal account), and / The encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 180 on the block chain network 175, The cryptographic unit held at the merchant's cryptographic account of the user can be calculated. In this case, the encrypted money information managing unit 118 may store the encrypted currency unit information held in the merchant's password money account in association with the merchant's password money account information in the management DB.

According to the method of the present invention, the cryptographic information management unit 118 reads the i blocks included in the n-th cipher block for calculating the cipher unit held in the merchant cipher currency account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value contained in each block is valid and / The cryptographic information management unit 118 may perform the operation of verifying the validity of the hash values included in each block through the block chain verification value included in the n & When the validity of the hash values included in each block is verified for chaining i blocks, the cryptographic unit held in the merchant's cryptographic account is calculated based on the validity of the hash values, It can be stored in the management DB in association with the blind spot side password account information.

1, the operating server 100 registers user information on the user through an application of the user wireless terminal 190 and receives the user information on an n-th block-chain network 175 implementing the n-th cipher system The user side password money account information identifying the user password money account established to identify the cryptographic unit held by the user and the block chain algorithm implemented on the nth block chain network 175 A cryptographic information registering unit 115 for registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for cryptographic transaction using the cryptographic account unit, And stores the account information and the user-side cryptographic currency transaction authentication information in association with the user information in a specified management DB, And the cryptographic information management unit 118 manages the i (i? 2) blocks included in the latest updated n-th ciphertext block in the designated block storage area The encrypted money transaction details included in the user password money account of the n-th cipher currency may be read out to calculate the cipher currency unit held in the user's cipher currency account of the n-th cipher currency and stored in the management DB in connection with the user's cipher currency account information. On the other hand, during the process of reading the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block, the cipher information management unit 118 stores the i- A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each block.

When an application of the user wireless terminal 190 requests payment through the n-th (1? N? N) cipher, the app of the user wireless terminal 190 registers the user information about the user, The user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the nth block chain network 175 implementing the n block chain network 175, (For example, a password for password transaction, an authentication code, a registration code, and a certificate information) set for a password currency transaction using a password currency account unit held in the user password money account according to a block chain algorithm , A certificate password, etc.), and the cryptographic information registration unit 115 registers the user's cryptographic information User password information identifying the user password money account established to identify the cryptographic unit held by the user on the n-th block-chain network 175 that implements the n-th cipher system, Includes the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the account information and the block chain algorithm implemented on the nth block chain network And the cryptographic information management unit 118 associates the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information with the user information and transmits the user's cryptographic transaction authentication information to the designated management DB Side encrypted money account information and the user's cryptographic currency transaction authentication information So that transactions can occur cryptocurrency for cryptocurrency payments can be managed. In other words, the owner of the cryptographic account can not be identified by the cryptographic information management unit 118 via the user's cryptographic account information on the n-th block-chain network 175, By storing information and user information in association with each other, the owner of the cryptographic account corresponding to the user-side encrypted money account information can identify and manage the user corresponding to the user information.

On the other hand, when the user-side encrypted money registration information is registered, the encrypted money information managing unit 118 updates i (i, j) included in the n-th cipher block updated in the block storage area designated based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i &gt; The encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated nth encrypted currency block are read through the valid node device 180 on the block chain network 175, The user can calculate the cipher unit held in the user's cipher account. In this case, the encrypted money information managing unit 118 may store the encrypted currency unit information held in the user's password money account in the management DB in connection with the user's password money account information.

According to the method of the present invention, the cryptographic information management unit 118 stores i (i? 2) blocks included in the latest updated n-th cipher block in a designated periodic (or repeatedly) designated block storage area (E. G., Identify the cryptographic transaction history that includes the user side cryptographic account information into the withdrawing account or into the withdrawing account) and / or validates the valid cryptographic transaction history &lt; RTI ID = 0.0 &gt; (I &gt; = 2) blocks included in the latest updated n-th cipher block are read through the node device 180 and stored in the user's cipher account of the n-th cipher (Or repeats) the process of calculating the encrypted currency unit and storing the calculated encrypted currency unit information in the management DB.

According to an embodiment of the present invention, the cryptographic information management unit 118 reads the i blocks included in the n-th cipher block to calculate the cipher unit held in the user's cipher account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value contained in each block is valid and / The cryptographic information management unit 118 may perform the operation of verifying the validity of the hash values included in each block through the block chain verification value included in the n & When the validity of the hash values included in each block is verified for chaining i blocks, the cryptographic unit held in the user's cryptographic account is calculated based on the validity of the hash values included in each block, It can be stored in the management DB in connection with the user's password money account information.

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

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

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

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

1, the operation server 100 includes a settlement information receiving unit 121 for receiving settlement information including a settlement amount from a merchant terminal 185, a designated code system for uniquely identifying the received settlement information, A payment information mapping unit 127 for mapping and storing the payment information and the unique identification code, and a unique identification code providing unit for providing the unique identification code to the merchant terminal, A unique ID code receiving unit (130) 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 (185) 133), a payment information confirmation unit (139) for confirming payment information mapped with the received unique identification code, and payment information providing the confirmed payment information as an app of the user wireless terminal (190) And a payment request confirming unit 145 for confirming a payment request using the n-th (1? N? N) cipher from the app of the user wireless terminal 190 provided with the payment information, And a unique ID code authentication unit (136) for authenticating the validity of the received unique ID code when receiving the unique ID code from an app of the user wireless terminal (190).

The merchant terminal 185 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 185, inquires the designated DB on the basis thereof, A payment amount is calculated on the basis of the commodity price of the commodity information and / or a list of the commodity information registered in the merchant terminal 185 is displayed, and a DB set on the basis of the 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 121 receives the payment information including the payment amount from the merchant terminal 185.

When the payment information is received from the merchant terminal 185, the unique identification code determiner 124 determines whether payment information received from a specific merchant terminal 185 among the payment information, which is received uniquely from a plurality of merchant terminals 185, 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 185 and a unique identification code of a designated code system for uniquely identifying the payment information is determined, the payment information mapping unit 127 maps the payment information to a unique identification code The unique ID code providing unit 130 provides the unique ID code to the merchant terminal.

The merchant terminal 185 receives the unique identification 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 audio 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 185 specifies the receiver to receive the sound wave signal, broadcasts the sound signal at a short distance instead of feeding the sound wave signal, A device having a sound input unit of the device is capable of receiving the sound wave signal.

The app of the user wireless terminal 190 located near the merchant terminal 185 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 185 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 specified operating server 100. The unique identification code receiver 133 receives the unique identification code encoded in the sound wave transmitted from the merchant terminal 185 And receives the unique identification code from the app of the user wireless terminal 190 that has recognized the identification code.

Meanwhile, when receiving the unique identification code from the app of the user wireless terminal 190, the unique identification code authentication unit 136 authenticates the validity of the received unique identification code based on the code system of the unique identification code do. For example, the unique identification code authentication unit 136 may authenticate whether a predetermined bit is included in the designated bit region of the unique identification code based on the code system, and / or authenticate whether the unique identification code is included in the unique identification code Authenticate that each code is included, and / or perform an authentication procedure to authenticate the checksum of the unique identification code.

The settlement information checking unit 139 inquires the settlement management DB to check the settlement information mapped with the received / authenticated unique identification code, and the settlement information providing unit 142 transmits the settlement information to the user wireless terminal 190 (Or payment information set to be provided to an application of the user wireless terminal 190 among the stored payment information) identified by the unique identification code by the application, and the application of the user wireless terminal (190) And receives and outputs information.

If the application of the user wireless terminal 190 uses an n-th (1? N? N) cipher based on block chaining rather than at least one real money based payment means as a payment means, (At least a part of the payment amount), the payment request confirming unit 145 requests payment using the n-th cipher money from the app of the user wireless terminal 190 And receives the encrypted currency settlement request information. The encrypted money settlement request information received from the app of the user wireless terminal 190 uniquely identifies at least one (or a combination of two or more) of the wireless terminal 190, user, and app requesting settlement using the n-th cipher currency A cryptographic identifier identifying the n-th cipher currency to be used as a payment means, user-side cipher currency account information for the n-th cipher currency through the cipher information management unit 118, and user-side cipher currency transaction authentication information And if it is not managed, information on at least one of the user side password money account information and the user side password money transaction authentication information.

According to another embodiment of the present invention, the merchant terminal 185 may request payment using the n-th cipher currency while transmitting the payment information (or after receiving the unique identification code), and in this case, The confirmation unit 145 may receive the password settlement request information requesting settlement using the n-th cipher currency from the merchant terminal 185. The encrypted money settlement request information received from the merchant terminal 185 includes a unique identifier for uniquely identifying at least one (or a combination of two or more) of the merchant terminal 185, the merchant, and the app requesting settlement using the n-th cipher currency, And a cryptographic identifier for identifying the n-th cipher currency to be used as a payment means.

Referring to FIG. 1, the operation server 100 confirms the settlement exchange rate information based on the exchange rate information stored in the exchange rate storage area designated for the n-th cipher currency at the time of confirming the payment request using the n-th cipher currency And a cryptographic unit determining unit (151) for determining a cryptographic unit for settlement corresponding to the settlement amount of the settlement information based on the confirmed settlement exchange rate information, And provides the encrypted currency settlement confirmation information including the settlement currency exchange information to the application of the user wireless terminal 190. The encrypted currency settlement corresponding to the encrypted currency settlement confirmation information is transmitted through the application of the user wireless terminal 190 If the user agrees to the password settlement corresponding to the encrypted money settlement confirmation information from the application of the user wireless terminal 190, And further comprising a closed-payment confirmation section 154.

When the payment request confirmation unit 145 confirms the payment request using the n-th cipher currency, the cipher currency exchange rate check unit 148 checks the exchange rate stored in the exchange rate storage area designated for the n-th cipher currency to be used as the payment means, Check the exchange rate information based on the information.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange storage area are arbitrarily changed in accordance with the first exchange rate embodiment of the present invention, the cipher currency exchange rate confirmation unit 148 may update the cipher currency exchange rate update unit 112), and confirms the current exchange rate information between the n-th ciphered currency and the designated real currency, and confirms the settlement exchange rate information based on the confirmed current exchange rate information. Here, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And exchange rate information adjusted to hedge a loss due to exchange of exchange based on the fluctuation of the exchange rate information of the exchange rate information.

In the case where the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storing area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 148 checks the n-th cipher currency, It is possible to confirm the exchange rate information and confirm the exchange rate information based on the confirmed exchange rate information. Here, the settlement exchange rate information includes at least one of exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, and exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include exchange rate information.

If the settlement exchange rate information between the n &lt; th &gt; cipher currency and the designated real currency is confirmed through the encrypted currency exchange rate confirmation unit 148, the cipher currency unit determination unit 151 determines, based on the confirmed settlement exchange rate information, And decides a unit for billing for payment corresponding to the settlement amount of the settlement information.

Meanwhile, when the settlement exchange rate information is confirmed on the basis of the latest updated exchange rate information between the n-th cipher and the designated real currency according to the first exchange rate of the present invention, And provide the encrypted currency settlement confirmation information including the settlement exchange rate information confirmed based on the fluctuating exchange rate information to the application of the user wireless terminal 190. [ The app of the user wireless terminal 190 receives and outputs the encrypted currency settlement confirmation information and when the user agrees to proceed with the password currency settlement based on the settlement currency exchange information, And outputs an interface screen for inputting / extracting information and transmitting the information to the operation server 100. According to an embodiment of the present invention, the encrypted currency settlement confirmation information may further include information on a cryptographic unit for settlement to be withdrawn from the user's cryptographic currency account for the cryptographic currency settlement based on the settlement exchange rate information, If the user agrees to proceed with the password currency settlement based on the settlement currency exchange unit and the settlement currency exchange unit, the application of the terminal 190 inputs / extracts the user confirmation information that agrees with the password currency settlement, The interface screen for transmission to the mobile terminal 100 can be output.

If the application of the user wireless terminal 190 inputs / extracts the user confirmation information that agrees with the encrypted money settlement corresponding to the encrypted money settlement confirmation information, the encrypted money settlement confirmation unit 154 confirms The user of the application 190 can receive the user confirmation information corresponding to the encrypted currency settlement corresponding to the encrypted currency settlement confirmation information and authenticate the validity of the user confirmation information using the previously registered user authentication information. According to an embodiment of the present invention, the user identification information may include confidential information registered by a user, biometric information for authenticating a user's biometrics, user's wireless terminal 190 ), If the user-side encrypted money account information and / or the user's cryptographic currency transaction authentication information is not stored in the management DB designated through the cryptographic information manager 118, The user side password money account information input from the user or extracted from the designated storage area of the user wireless terminal 190 for the password currency transaction that fetches the designated password currency unit from the user's password money account of the password currency and / Transaction authentication information, and may include at least one of transaction authentication information, It may include a pre-registered information to authenticate the user based on available information.

1, when confirming a payment request using the n-th cipher system, the operating server 100 transmits a cipher unit held by the user on the n-th block-chain network 175 implementing the n-th cipher system A cryptographic currency account identification unit 157 for identifying a user's cryptographic account established for identification of the n-th cryptographic currency, And a validity authentication unit 160 for performing one password money settlement validity authentication procedure.

When the payment request confirmation unit 145 confirms the payment request using the n-th cipher money, the cipher currency account identification unit 157 inquires of the management DB managed through the cipher information management unit 118, The user can confirm the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 175 implementing the n-th cryptographic unit. On the other hand, according to the method, the cryptographic currency account identification unit 157 extracts the designated cryptographic unit out of the cryptographic units held by the user on the n-th block-chain network 175 from the management DB, The user can confirm the user's cryptographic transaction authentication information for proceeding / authenticating the currency transaction. According to another embodiment of the present invention, at least one of user-side encrypted money account information and user-side encrypted currency transaction authentication information may be received from an app of the user wireless terminal 190, It is not limited.

If the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 175 is confirmed through the cryptographic unit identification unit 157, the validity authentication unit 160 determines whether the cryptographic unit The procedure for authenticating the validity of the password currency settlement based on the password currency transaction for fetching the password unit for settlement determined by the password unit determination unit 151 from the user's password currency account of the password and entering the designated password account .

According to the first embodiment of the present invention, the validity authentication unit 160 may be configured to authenticate the user to the user's cryptographic account of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher And a step of authenticating whether or not the settlement amount of the settlement information has a valid cryptographic currency unit in which the settlement amount can be settled. According to an embodiment of the present invention, the validity authentication unit 160 reads the latest updated n-th cipher block in a designated block storage area (for example, i (i &gt; 2 ) Blocks by reading the withdrawal / withdrawal history of the cryptographic currency based on the cryptographic transaction details included in the n &lt; th &gt; blocks, (Or repeatedly) stored in the management DB designated by the cryptographic information manager 118, and / or the user's cryptographic unit account of the n-th cryptographic unit based on the cryptographic unit information stored periodically Block chain network 175, and / or a valid node device 180 on the n-th block-chain network 175 ) To identify and read the latest updated n-th cipher block, and authenticate whether or not the user has a valid cipher unit capable of paying the payment amount of the payment information in the user's cipher currency account of the n-th cipher currency can do. That is, the block-chain-based cryptographic currency does not store and manage the cryptographic unit held by the user in a concentrated manner in a server, but rather, the number of ciphers specified in each node device 180 provided in the block- The validity authentication unit 160 may read the latest updated n-th cipher block of the n-th cipher key in real time or may update the cipher block of the n-th cipher, And / or a management DB storing information for reading the latest updated n-th cipher block of the n-th cipher currency, so as to enable the payment of the settlement amount of the payment information in the user's cipher account of the n-th cipher It is possible to perform a cryptographic payment validity authentication procedure to confirm that the cryptographic unit is held.

According to an embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 160 may be configured to validate the validity of the i &lt; th &gt; And a step of verifying validity of the n-th cipher block by performing a specified verification operation of the hash values. According to the embodiment of the present invention, the validity authentication unit 160 may perform a specified verification operation (hereinafter, referred to as &quot; verification operation &quot;) of hash values included in i (I &lt; / RTI &gt; included in the nth cipher currency block used to calculate the cipher unit held in the user's cipher currency account of the node device 180 on the nth block-chain network 175) 2) blocks of the hash values. That is, the block-chain-based cryptographic currency does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but a plurality of node devices 180 provided in the block- The validity authentication unit 160 may determine whether the latest updated n-th cipher block of the n-th cipher is valid by using the cipher currency validity authentication procedure Can be performed. According to the method of the present invention, when validity of the n-th cipher block is verified through the validity authenticator 160, the process of calculating the cipher unit held in the user's cipher account of the n-th cipher Is preferably performed.

According to the third embodiment of the present invention, the validity authentication unit 160 may include the user's password account as an account for withdrawal among the password transaction details broadcasted to the n-th block-chain network 175 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

According to the method of the present invention, the block-chain algorithm for implementing the block-chain-based cryptography is a method for real-time chaining the encrypted currency transaction details generated for the cryptographic currency transaction in each transaction history unit when a predetermined cryptographic currency transaction occurs (I.e., not including the hash value of the previous password transaction history in the current password transaction history), blocks the encrypted currency transaction history generated for a predetermined time (and / or a predetermined number of times) (I.e., include the hash value of the previous block linked from the original block into the current block and / or generate or apply the block chain verification value for the hash value of the current block) In order for the encrypted currency transaction details to be blocked or chained in the encrypted currency block, a predetermined (or predetermined) This is necessary. For example, in some block-chain-based cryptography, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Accordingly, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as a withdrawal account is broadcast to the n-block-chain network 175 at a certain point in the past, The user-side withdrawal-related cipher transaction history may be a standby state not included in the n-th cipher block before the waiting time set for blocking or chaining the n-th block-chain algorithm.

Meanwhile, according to some block-chain algorithms, a plurality of node devices 180 provided on the block-chain network 175 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 180 issues a new cryptogram to the device 180 and / or provides a transaction fee of the cryptographic transaction details contained in the block-chained block to the node device 180 that has succeeded in the block-chain, You can include a high transaction fee in a block that you create, and you can exclude or include it in a block. Therefore, even if the waiting time on the block chain algorithm is set to 10 minutes in the case of the partial password transaction details broadcasted to the block-chain network 175, the node devices 180 provided in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In the extreme, in the case of some encrypted currency transaction details, it may not be included in the cipher block until the corresponding block chain network 175 is closed. Accordingly, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on the time point when the payment request using the n-th cipher currency is confirmed, it is desirable that there is no user-side withdrawal-related unrecognized password currency transaction history on the n block-chain network 175. This prevents delays in the password transaction for settlement or improves the error occurrence probability .

According to an embodiment of the present invention, the validity authentication unit 160 may determine that the payment request using the n-th ciphered currency is confirmed when the payment request using the n-th ciphered currency is confirmed, At least one user-side withdrawal account including the user's password account as an account for withdrawal from the cryptographic transaction details broadcasted to the n-th block-chain network (175) If the at least one user-side withdrawal-related cipher transaction transaction history including the user's cipher account as an withdrawal account is confirmed, the verified user-side withdrawal-related cipher currency transaction details are the n-th password It is possible to carry out a procedure for confirming whether or not it is a standby state not included in the money block. If at least one user-side withdrawal account including the user's cryptographic account as a withdrawal account out of the cryptographic transaction details broadcasted to the n-th block-chain network 175 based on a time point when the payment request using the n-th cipher currency is confirmed, If the related password money transaction details are not confirmed and / or the user-side withdrawal-related password money transaction details broadcasted to the n-th block-chain network 175 are verified, In the case where the validity authentication unit 160 includes the ciphertext block (or is immediately included) and is finally determined as a valid ciphertext transaction, the validity authentication unit 160 can authenticate the validity of the ciphertext payment using the nth ciphertext. On the other hand, at least one user-side withdrawal account including the user's cryptographic account as a withdrawal account among the details of the cryptographic currency transactions transmitted to the n-th block-chain network 175 based on a time point when the payment request using the n-th cryptographic currency is confirmed Related withdrawal-related unauthorized withdrawals related to the user's withdrawal-related cryptographic transaction history that is not included in the n &lt; th &gt; The validity authentication unit 160 can confirm that the validity of the encrypted currency payment using the n-th ciphered currency is invalid according to the specified rule. For example, the validity authentication unit 160 may transmit the user's password account of the encrypted currency transaction details broadcasted to the n-th block-chain network 175 based on a time point when the payment request using the n-th cipher currency is confirmed When the at least one user-side withdrawal-related cipher transaction history included in the withdrawal account is confirmed, it can be confirmed that the validity of the cipher currency payment using the n-th cipher currency is invalid. Alternatively, the validity authentication unit 160 may transmit the user's password account to the withdrawal account of the encrypted currency transaction details broadcasted to the n-th block-chain network 175 based on a time point when the payment request using the n-th cipher currency is confirmed And the at least one user-side withdrawal-related cipher transaction transaction history including the at least one user-side withdrawal-related cipher transaction transaction history included in the n-th cipher block, It can be confirmed that the payment validity is invalid. Alternatively, the validity authentication unit 160 may authenticate the validity of the encrypted money payment as in the fourth password validation validity authentication example described below.

According to an embodiment of the fourth password settlement validity authentication method of the present invention, the validity authenticator 160 may retrieve the user password in the idle state including the user's password account on the n-th block-chain network 175 When the user confirms the related unconfirmed password currency transaction details, the user uses the at least one encrypted currency unit among the encrypted currency unit included in the confirmed undisplayed password currency transaction details related to the user-side withdrawal related relationship and the encrypted currency unit held in the user password money account, And a step of authenticating whether or not the encrypted currency unit has a valid encrypted currency unit capable of paying the settlement amount of the payment information. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 175, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 160 checks whether the password currency unit held in the user password currency account is smaller than or equal to the password currency unit corresponding to the payment amount of the payment information, It can be confirmed that it is authenticated. Alternatively, for example, after the block chain algorithm of the n-th cipher currency is broadcasted to the n-th block-chain network 175, the user-side withdrawal-related cipher currency transaction history is broadcasted to the n-th block- If the encrypted password account unit is included in the currency block, the validity authentication unit 160 may determine that the encrypted currency unit corresponding to the payment amount of the payment information and the user- Confirming that the sum of the cipher units included in the related unrecognized cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher currency account, it can be confirmed that the cipher currency payment validity is authenticated.

According to the 5th embodiment of the password validation authentication method of the present invention, the validity authenticator 160 may be configured to at least partially combine at least two embodiments among the first through fourth password validity authentication validity embodiments It is possible to certify the validity of the password currency settlement, and it is evident that the present invention can also include the embodiment of this type in the scope of the present invention.

Referring to FIG. 1, when the operation server 100 authenticates one or more designated password settlement validity, the operation server 100 transmits the settlement of the payment information using the cipher unit denominated in the user's cipher currency account of the n-th cipher currency A cryptographic transaction processing unit 163 for performing a cryptographic transaction procedure designated for payment of the amount of money, and a cryptographic transaction processing unit 163 for checking the cryptographic operation based payment result information processing the settlement of the payment information through the n-th cipher currency within a predetermined period A result information confirming unit 169 and a result information providing unit 172 for providing the encrypted money based settlement result information to the app of the user wireless terminal 190 and the merchant terminal 185, And a cryptographic currency transaction management unit 166 for managing the cryptographic currency transaction to be effectively included in the nth cryptographic currency block during the course of the transaction procedure.

When validity of one or more designated passwords is authenticated through the validity authentication unit 160 (e.g., when the payment processing of the payment information is possible through the n-th cipher currency and / or the password transaction for payment is generated The cryptographic transaction processing unit 163 may store the encrypted password in the user's cryptographic account of the n-th cipher chain, if it is authenticated in a state where the error occurrence probability on the block chain algorithm is minimized even if it is broadcasted to the n-th block chain network 175) A password for a payment for withdrawing the settlement decryption unit determined through the decryption unit deciding unit 151 from the user decryption account of the n-th decryption currency unit to the designated decryption decryption currency account, The transaction history may be generated and broadcasted to the n-th block-chain network 175.

According to the first billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, You may include escrow cryptographic accounts of nth cryptographic currency designated for escrow that you are saving to exchange. In the present invention, the billing password transaction recorded in the n-th block-chain network 175 is a transaction history of the cryptographic transaction, not a transaction history of the encrypted currency and the real currency. Therefore, in order for the billing unit for the billing currency withdrawn from the user's cryptographic account of the n-th cipher currency to be converted into the real currency unit, the selling of the cipher unit using the designated cipher currency exchange (for example, the exchange operated by the affiliated exchange or the operator) At least one currency exchange transaction including exchange transactions using real currency based on buy / sell transactions and / or currency exchange transactions using exchange allowance of a business person should be generated, and the exchange transaction to such a real currency takes a certain time. On the other hand, since the password-based settlement using the n-th cipher currency as the settlement means is processed and the cipher currency unit for settlement held in the user's cipher currency account of the n-th cipher currency is fetched, The user may include an escrow cryptographic currency account of the nth cryptographic currency designated to temporarily store the billing currency unit withdrawn from the user's cryptographic account of the nth cryptographic currency until the currency unit is converted into the real currency unit.

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, in the case where the exchange transaction of the n-th cipher currency is actively performed in real time, and the cipher unit 151 decides the cipher unit for payment corresponding to the payment amount of the payment information, when the value of the n-th cipher currency is lower than a current rate of the n-cipher currency by a certain ratio to calculate the cipher unit for billing, (Or within a specified time). Alternatively, when a company purchases the above-mentioned settlement unit for currency using a predetermined exchange allowance, the settlement unit may be bought in real time (or within a designated time) at the same time as the sale request. If the billing unit for billing is available for purchase in real time (or within a designated time) at the same time as the bid request, the billing password account is used to sell the billing password unit held in the user's password account of the nth password And a buyer's cryptographic account that holds the buyer's cryptographic units that request and buy in real time (or within a specified time).

According to the third embodiment of the password settlement account of the present invention, the merchant that supports the password money settlement can settle the settlement amount using the n-th cipher currency instead of the real currency. If the merchant's password money account information corresponding to the merchant's password money account for the n-th cipher currency transaction of the merchant is registered through the merchant terminal 185 or the designated registration terminal, The merchant's cryptographic currency account. In this case, the billing unit for billing for withdrawal from the user's password account of the n-th cipher can be entered into the account of the merchant cipher.

On the other hand, in the case where the idle state user-side withdrawal-related unrecognized password currency transaction details including the user password money account as the withdrawal account on the n-th block-chain network 175 are confirmed through the validity authentication unit 160, The money transaction management unit 166 may use the n-th cipher than the confirmed uninitiated cipher transaction history associated with the block-chaining process based on the block-chain algorithm implemented in the n-th block- N may be performed to perform a designated procedure to include in the n-th cipher block in advance the billing password transaction transaction that is generated for payment and broadcasted to the n-th block-chain network 175. For example, when a block-chain algorithm implemented in the n-th block-chain network 175 is transmitted to the node device 180 that has successfully block-chained among a plurality of node devices 180 provided on the n-th block- The cryptographic transaction management unit 166 determines whether or not the cryptographic transaction management unit 166 determines whether or not the transaction fee of the cryptographic transaction history included in the block- It is possible to set the transaction fee of the settlement password currency transaction history to be higher so that the settlement password currency transaction history is included in the nth cipher currency block before the user-side withdrawal-related unconfirmed password currency transaction details. Alternatively, when the operator operating the operating server 100 implements and operates the n-th block-chain network 175, priority is given to the password transaction for payment, and the password transaction history May be set so as to be included in the n &lt; th &gt; ciphered currency block prior to the unauthorized cipher transaction history related to the user side withdrawal.

Meanwhile, the result information verifying unit 169 confirms that the n &lt; th &gt; cipher money transaction is performed within a predetermined time after the payment password transaction is broadcasted to the n-th block-chain network 175 through the cipher transaction processing unit 163, Based payment result information that has processed the settlement of the payment information through the Internet. If the billing password transaction details are broadcasted to the n-th block-chain network 175 through the cryptographic transaction processing unit 163, the result information verifying unit 169 may determine It is possible to confirm the payment result information including the result of the password-based payment approval.

According to the first result information checking embodiment of the present invention, the result information verifying unit 169 notifies the n-th block-chain network 175 via the cryptographic currency transaction processing unit 163 of the cryptographic currency transaction history The payment result information including the result of the password-based payment approval for the payment information can be checked before the payment password transaction is included in the nth password block. On the other hand, if the settlement password transaction history is not yet included in the n-th cipher block, the result information verifier 169 checks the result of the cipher sucking (e.g., Based on the result of the payment approval of the final settlement state).

According to the second result information checking embodiment of the present invention, when the settlement password currency transaction details are broadcasted within the predetermined time after the settlement password money transaction details are broadcasted to the nth block chain network 175, Block (for example, when the cycle of incorporating the encrypted currency transaction details into the n &lt; th &gt; cipher block is within a specified reference time, and / or if the operation server 100 determines that the password transaction The result information confirming unit 169 confirms that the settlement password transaction history is broadcast to the n-th block-chain network 175 through the cryptogram transaction processing unit 163 After confirming that the above-mentioned settlement password currency transaction history is included in the n-th cipher currency block, the settlement result information including the result of the password-based settlement approval for the settlement information It can be found. On the other hand, if the settlement password transaction is included in the n-th cipher block, the result information verifier 169 confirms the actual approval result (for example, The result of the payment approval corresponding to the details of the password transaction of the settlement for payment).

The result information providing unit 172 transmits the cryptogram-based payment result information confirmed according to the first or second result information checking example to the app and / or merchant terminal 185 of the user wireless terminal 190 And the app of the user wireless terminal 190 and / or the merchant terminal 185 may receive and output the cryptography-based payment result information.

FIG. 2 illustrates a process of synchronizing and storing encrypted currency blocks on a block-chain network 175 according to an embodiment of the present invention.

In more detail, FIG. 2 is a block diagram of a block caching system according to an exemplary embodiment of the present invention. Referring to FIG. 2, blocks or blocks that are generated or agreed upon in accordance with a block chain algorithm implemented on N block chain networks 175 implementing N (N? 1) And stores the coded block in the designated block storage area, and checks the new block to be newly created or agreed according to the block chain algorithm implemented on the N block chain network 175, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the scope and spirit of the present invention. It will be appreciated that various implementations (e.g., some steps omitted or alternate implementations) may be deduced, And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 2, a node device 180 on a block-chain network 175 receives a specified number of encrypted currency transactions 175 broadcast to the block-chain network 175 in accordance with a block- And transmits the generated new block to another node device 180 on the block chain network 175 to perform a block chaining process for agreeing and then chaining the agreed blocks (200), and the operation server (100) performs a procedure of distributing and storing the cipher block including the cipher block to each of the node devices (180) (205) that is generated or agreed upon in accordance with the block-chaining algorithm implemented on block 175 to identify the most recent cipher block containing chained blocks. If the encrypted money block is confirmed, the operating server 100 stores the identified encrypted money block in a designated block storage area (210).

Then, the operation server 100 confirms whether new blocks are created or agreed according to the block chain algorithm specified on the block chain network 175 corresponding to the encrypted money blocks stored in the block storage area (215). If a new block is created or agreed on the block-chain network 175, the operating server 100 identifies (220) a new block that is newly created or agreed on the block-chain network 175, Stores the updated new block in the cipher block stored in the cipher block network and updates and stores the new block in the cipher block stored in the block storage area The updating and storing process is repeated periodically and / or continuously. As a result, the latest cipher block can always be kept in the block storage area.

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

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

Referring to FIG. 3, the operation server 100 confirms the exchange rate information set for the exchange between the cryptographic currency corresponding to the encrypted currency block stored in the designated block storage area and the designated real currency (300). For example, the operation server 100 can check the exchange rate information in cooperation with a server of a designated cryptographic exchange. Alternatively, the operation server 100 can check the exchange rate information by referring to the block chain network 175 corresponding to the cipher block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 100 stores the confirmed exchange rate information in the designated exchange rate storage area (305).

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

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

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

Referring to FIG. 4, when the user of the user wireless terminal 190 registers the user information using the n-th cipher (400), the operating server 100 receives the user information and stores it in the designated management DB 405). On the other hand, on the n-th block-chain network 175 implementing the n-th cipher in the app of the user wireless terminal 190, a user-side cipher account that identifies the user cipher account established to identify the cipher unit held by the user And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user's cryptographic account according to the block chain algorithm implemented on the nth block- When the user side password money registration information is registered 410, the operating server 100 receives 415 the user side password money registration information including the user side password money account information and the user side password money transaction authentication information, , The user side password money account information and the user side password money transaction authentication information are linked with the user information to the designated management DB Section by section 420, stores information for the user-side password monetary transactions based blindness.

The node devices 180 on the n-th block chain network 175 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 175 according to the block-chaining algorithm implemented in the corresponding block- Block block transactions in which a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details is generated and transferred to another node device 180 on the n-th block-chain network 175 The operation server 100 performs a procedure of distributing and storing the ciphered money blocks including the agreed blocks in the respective node devices 180 through the process of FIG. N) of the n &lt; th &gt; ciphertext from the block storage area and / or to identify the n &lt; th &gt; ciphertext block corresponding to the n & And the latest update of the n-th cipher block currency of the n-th cipher currency from the node device 180 (430).

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) The validity is verified (435). If the validity of the n-th cipher block is not verified, the operating server 100 (again) checks the latest valid n-th cipher block from the valid node device 180 of the n-th block- Stored in a designated block storage area (440), and (re-) checking the validity of the confirmed / stored nth encrypted currency block.

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

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

More specifically, FIG. 5 shows registration and storage of merchant-side password money registration information including merchant identification information that identifies an affiliated merchant, password information of the merchant for the merchant-side password transaction and authentication information of the merchant- It will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention by referring to and / However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 5, when merchant payment is settled through the n-th cipher instead of the real money, the merchant identification information for identifying the merchant that can settle and settle the settlement through the n-th cipher money is registered in the merchant terminal 185 ), The operation server 100 receives the merchant identification information and stores it in the designated management DB (505). On the other hand, on the merchant terminal 185, a merchant-side password (not shown) for identifying the merchant's cryptographic account set for identifying the cryptographic unit held by the merchant (or merchant) on the n-th block- The cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic currency account unit held in the merchant cryptographic currency account according to the money account information and the block chain algorithm implemented on the nth block- (510), the operating server 100 receives merchant-side password money registration information including the merchant-side password money account information and merchant-site password money transaction authentication information ( 515), associating the merchant-side encrypted money account information and the merchant's password money transaction authentication information with the merchant store identification information By storing 520 in the management DB, information for the password transaction of the merchant based on the real name is stored.

The node devices 180 on the n-th block chain network 175 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 175 according to the block-chaining algorithm implemented in the corresponding block- Block block transactions in which a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details is generated and transferred to another node device 180 on the n-th block-chain network 175 The operation server 100 performs a procedure of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 180 (525) N) of the n &lt; th &gt; ciphertext from the block storage area and / or to identify the n &lt; th &gt; ciphertext block corresponding to the n & And the latest update of the n-th cipher block currency of the n-th cipher currency from the node device 180 (530).

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) The validity is verified (535). If the validity of the n-th cipher block is not verified, the operating server 100 (again) checks the latest valid n-th cipher block from the valid node device 180 of the n-th block- Stored in a designated block storage area (540), and (re-) checked the validity of the confirmed / stored nth encrypted currency block.

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

FIG. 6 is a diagram illustrating a sound wave transmission process for reverse sound wave settlement according to an embodiment of the present invention.

6, when the payment information including the payment amount is provided from the merchant terminal 185, the operation server 100 determines the unique identification code of the designated code system that uniquely identifies the payment information, And stores the mapping and provides the unique identification code to the merchant terminal 185 to transmit the sound signal encoded with the unique identification code to the merchant terminal 185 in a short distance. Those skilled in the art will be able to refer to and / or modify FIG. 6 to illustrate various implementations of the sound wave delivery process for the reverse sound wave settlement (e.g., However, the present invention includes all of the above-described methods of practicing the present invention, This technical feature is not limited.

Referring to FIG. 6, the merchant terminal 185 constructs payment information including a payment amount according to a designated procedure (600), transmits the payment information through a designated communication path (605) (610) the payment information through the designated communication path.

The operation server 100 determines a unique identification code of a designated code system that uniquely identifies the payment information, maps the payment information and the unique identification code, stores the mapped payment information, The merchant terminal 185 receives the unique identification code through the designated communication path 630 and then encodes the unique identification code into the sound signal of the designated frequency band (Or adjusted) to a signal strength (for example, a sound power output strength that can be effectively input at a specified distance), and transmits the sound wave (635).

FIG. 7 is a diagram illustrating a process of confirming reverse sound wave settlement using a cipher according to an embodiment of the present invention.

In more detail, FIG. 7 is a diagram illustrating an operation of the user wireless terminal 190 when the unique ID code is transmitted from an app of the user wireless terminal 190 that has recognized the unique identification code encoded in the sound wave signal transmitted from the merchant terminal 185, 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 and then transmits the payment information to the application of the user wireless terminal 190 If a person is familiar with the present invention, he / she can refer to and / or modify the FIG. 7 to make a reverse sound wave payment using the cipher money It will be appreciated that various implementations of the verification process (e.g., omitting some of the steps or changing the order) may be inferred, Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

Referring to FIG. 7, when the unique identification code is encoded and transmitted to the sound wave signal of the frequency band designated by the merchant terminal 185 receiving the unique identification code through the process of FIG. 6, The app receives the sound wave signal in the designated frequency band and recognizes the unique ID code encoded in the sound wave signal (700).

When the application of the user wireless terminal 190 transmits the recognized unique identification code to the operation server 100 through the communication network 705, the operation server 100 transmits the communication network from the application of the user wireless terminal 190 (710), and authenticates the validity of the received unique identification code (715). If the validity of the unique identification code is not authenticated, the operation server 100 provides error information through a communication network 720, and the application of the user wireless terminal 190 receives the error information through a communication network (725).

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 (730), provides the confirmed payment information through the communication network (735) The application of the user wireless terminal 190 receives the payment information through a communication network (740) and outputs the received payment information (745).

The app of the user wireless terminal 190 checks whether the settlement using the n-th password is requested from the user for the payment information (750). If the payment request using the password is not confirmed, the application of the user wireless terminal 190 may perform the payment process based on the real money (755), or may stop the payment process.

If the payment request using the password is confirmed, the app of the user wireless terminal 190 transmits the password settlement request information requesting the password settlement based on the n-th cipher based on the communication network (760) The operation server 100 receives the encrypted money settlement request information from the app of the user wireless terminal 190 through a communication network (765).

FIG. 8 is a flowchart illustrating a process for confirming a settlement based on a password according to an embodiment of the present invention.

In more detail, FIG. 8 is a flowchart illustrating a process of checking settlement exchange rate information based on the n-th cipher currency and the real currency when the n-th cipher based payment is requested from the app of the user wireless terminal 190, A step of confirming the settlement agreement of the user for the settlement exchange rate information (and / or the settlement password currency unit) through the application of the user wireless terminal 190 after confirming the settlement password unit corresponding to the settlement amount of the information Those skilled in the art will be able to refer to and / or modify FIG. 8 to illustrate various implementations of the cryptography-based payment verification process (e.g., some steps may be omitted , Or alternatively, the order may be changed). However, the present invention includes all of the above-described embodiments, Only not exclusively those technical features.

Referring to FIG. 8, when an n-th cipher based payment for settlement information is requested from an app of the user wireless terminal 190 through the process of FIG. 7, the operation server 100 transmits the n-th The cryptographic based payment request is confirmed (800). If the n-th cipher based payment request is confirmed, the operation server 100 determines the settlement exchange rate information based on the n-th cipher currency and the real currency exchange rate information stored in the exchange rate storage area, (805), and determines a settlement unit (810) for settlement corresponding to the settlement amount of the settlement information based on the confirmed settlement exchange rate information.

On the other hand, the operation server 100 configures 810 the encrypted currency settlement confirmation information including the settlement currency exchange information (and / or the settlement currency unit) to provide the encrypted currency settlement confirmation information through the communication network (820). The app of the user wireless terminal (190) receives and outputs the encrypted money settlement confirmation information through a communication network (825).

Meanwhile, the app of the user wireless terminal 190 confirms the payment agreement of the user for the encrypted money settlement confirmation information (830). If the payment agreement of the user is not confirmed, the app of the user wireless terminal 190 may stop the cipher-based payment (835). Meanwhile, when the payment agreement of the user is confirmed, the app of the user wireless terminal 190 receives or extracts the user confirmation information corresponding to the password settlement payment agreement (840) and transmits the user confirmation information through the communication network (Operation 845), the operation server 100 receives the user confirmation information through a communication network (operation 850).

The operation server 100 authenticates the validity of the user confirmation information (855). If the validity of the user confirmation information is not authenticated, the operation server 100 provides error information through a communication network 860, and the app of the user wireless terminal 190 transmits the error information through a communication network (865).

FIG. 9 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.

In more detail, FIG. 9 is a flowchart illustrating a method for identifying a cryptographic unit held by a user on an n-th block-chain network 175 implementing the n-th cipher system when the operation server 100 confirms a payment request using the n-th cipher system Checking the set user password currency account, and performing one or more password currency validity authentication procedures based on the user's password currency account of the n-th cipher currency and the latest updated n-th cipher currency block of the n-th cipher currency Those skilled in the art will appreciate that various modifications and variations of the present invention may be made without departing from the spirit and scope of the present invention as defined by the following claims. Or alternatively, the order may be changed). However, the present invention includes all of the above-described embodiments, Only an exemplary method illustrated in Figure 9 is not limited that technical feature.

Referring to FIG. 9, if the n-th cipher based payment is requested through the process of FIG. 7 and / or the unit of cipher for payment is determined through the process of FIG. 8, or the user consent for the cipher- The operating server 100 determines the user's cryptographic currency account established to identify the cryptographic unit held by the user on the n-th block-chain network 175 implementing the n-th cryptographic currency, (900). If the user encryption account is not confirmed, the operating server 100 provides error information through a communication network (905). The app of the user wireless terminal (190) receives the error information through a communication network (910).

The node devices 180 on the n-th block chain network 175 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 175 according to the block-chaining algorithm implemented in the corresponding block- Block block transactions in which a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details is generated and transferred to another node device 180 on the n-th block-chain network 175 (Step 915). In the case where the user's cryptographic account of the n-th cipher currency is identified (step 915) , The operating server 100 checks the latest updated n-th cipher block of the n-th cipher from the designated block storage area through the process of FIG. 2 and / (920) the latest updated n-th cipher block of the n-th cipher from the node device (180) on the n-th block-chain network (175) corresponding to the n-th cipher.

The operation server 100 determines whether or not the nth cipher block is included in the nth cipher block through the specified verification operation of the hash values included in each of the blocks in order to chain i (i? 2) And performs a cryptographic payment validity authentication procedure for authenticating validity (925). If the validity of the n-th cipher block is not authenticated, the operating server 100 provides error information through a communication network (905), and the app of the user wireless terminal (190) (910).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 100 adds the n-th cipher block to the user's cipher account of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher (930) a cryptographic payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user has a valid cryptographic unit capable of paying the payment amount of the payment information. If the validity of the user's password unit is not authenticated, the operation server 100 provides error information through a communication network (905), and the application of the user wireless terminal 190 transmits the error information through a communication network (910). According to an embodiment of the present invention, when the validity of the user-held cipher currency unit is authenticated, the operating server 100 uses the n-th cipher currency to perform a cipher currency transaction procedure for the cipher-based settlement of the payment information The present invention is not limited thereto.

On the other hand, when the validity of the user-held cipher currency unit is authenticated, the operating server 100 transmits a password transaction to the n-th block-chain network 175 based on the time when the payment request using the n-th cipher currency is confirmed And a password cryptograph to authenticate the block chaining validity that includes the user's cryptographic account as a withdrawal account and authenticate that there is no idle-state withdrawal-related inexact cryptographic currency transaction details not included in the n-th cryptographic currency block A payment validity authentication procedure is performed (935). According to an embodiment of the present invention, when the validity of the block chaining is authenticated, the operation server 100 performs a cryptographic currency trading procedure for the settlement-based settlement of the settlement information using the n-th cipher currency And the present invention is not limited thereto.

If the validity of the block chaining is not authenticated, the control unit checks the idle-state user-side withdrawal-related unrecognized password currency transaction details including the user's password money account as the withdrawal account on the n-th block-chain network 175, (100) further comprises a step of, in the user's cryptographic account, using at least one of the encrypted denominations contained in the confirmed uninitialized encrypted currency transaction details and the encrypted denominations held in the user's cryptographic account (940) a cryptographic payment validity authentication procedure for authenticating the validity of the user-held cipher currency unit whether the user has a valid cipher unit capable of paying the payment amount of the payment information. According to an embodiment of the present invention, when the validity of the user-held cipher currency unit is authenticated, the operating server 100 uses the n-th cipher currency to perform a cipher currency transaction procedure for the cipher-based settlement of the payment information The present invention is not limited thereto.

If the block cipher validity is not authenticated and / or if the user does not authenticate the cipher key, the control unit checks the idle state user-side withdrawal-related unrecognized cipher currency transaction details including the user cipher account in the withdrawal account on the n-th block- If the validity of the user-held cipher currency unit is not authenticated by using at least one of the encrypted currency unit included in the side withdrawal-related unconfirmed password currency transaction details and the encrypted currency unit held in the user's password money account, The operation server 100 may associate the block currency chain transaction based on the block chain algorithm implemented in the n-th block-chain network 175 with the transaction history of the unauthorized password transaction Lt; RTI ID = 0.0 &gt; n &lt; / RTI &gt; (945), the cipher currency transaction procedure for the settlement-based settlement of the settlement information can be performed using the n-th cipher currency. In this case, the operation server 100 may determine that there is a user-withdrawal-related unconfirmed password transaction history previously broadcasted to the n-th block-chain network 175 and / or that the user- To the application of the user wireless terminal 190. In this case, the present invention is not limited to this.

FIG. 10 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, in FIG. 10, when at least one designated password settlement validity is authenticated, the operation server 100 transmits the settlement amount of the settlement information using the cipher currency unit held in the user's cipher currency account of the n-th cipher currency It is possible to use the cryptographic transaction processing procedure of FIG. 10 to refer to and / or modify the flowchart of FIG. 10 if the person skilled in the art is aware of the process of performing the designated cryptographic transaction It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention may be practiced otherwise than as specifically described herein, The technical characteristics thereof are not limited.

Referring to FIG. 10, in the case where at least one designated password settlement validity is authenticated through the process of FIG. 9, the operation server 100 determines whether or not the cipher currency unit held in the user's cipher currency account of the n-th cipher currency (1015) a payment password transaction detail for withdrawing the payment password unit corresponding to the settlement amount of the payment information and transferring the unit to the designated password account for settlement (1015) And performs a procedure of broadcasting the generated password transaction details for settlement to the chain network 175 (1005). The node devices 180 on the n-th block chain network 175 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 175 according to the block-chaining algorithm implemented in the corresponding block- And generates a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details including the settlement password transaction, and transmits the generated new block to another node device 180, and performs a process of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 180 (1010).

On the other hand, the operation server 100 broadcasts the password transaction information for settlement to the n-th block-chain network 175, and then transmits a password-based payment request including a password- The result information is confirmed (1015). If the password-based payment result information is confirmed, the operation server 100 provides the cryptography-based payment result information to the app of the user wireless terminal 190 and the merchant terminal 185 (step 1020) The app of the wireless terminal 190 and the merchant terminal 185 receive and output the cipher-based payment result information (1025).

100: Operation server 103: Crypto-money block storage unit 103
106: encrypted currency block updating unit 109: encrypted currency exchange rate storage unit 109
112: Cryptographic currency exchange rate updating unit 115: Cryptographic currency information registering unit 115
118: Password Money Information Management Unit 121: Payment Information Receiving Unit 121:
124: unique identification code determination unit 127: payment information mapping unit 127,
130: Unique identification code providing unit 133: Unique identification code receiving unit 133:
136: unique identification code authentication unit 139: payment information verification unit 139
142: Payment information providing unit 145: Payment request confirmation unit 145:
148: Cipher currency exchange rate checking unit 151: Cipher currency unit determining unit 151
154: Password Money Confirmation Unit 157: Password Money Account Confirmation Unit
160: validity authentication unit 163: cryptographic transaction processing unit
166: Cryptographic currency transaction management unit 169: Result information confirmation unit
172: Outcome information provider 175: Block Chain Network
180: Node device 185: Merchant terminal
190: wireless terminal

Claims (32)

A method of executing via an operation server communicating with a user wireless terminal and operable with an affiliate terminal operating at an affiliate store,
A cryptographic block including chained blocks created or agreed on N block-chain networks that implement N (N &gt; = 1) ciphers based on a block chain is identified and stored in a designated block storage area, A first step of checking and updating the agreed block;
A second step of receiving payment information including a payment amount from the merchant terminal;
A third step of determining a unique identification code of a designated code system that uniquely identifies the received payment information, mapping the received payment information to the payment information, and providing the unique identification code to the merchant terminal;
A fourth step of receiving the unique identification code from an app of a user wireless terminal that has recognized a unique identification code encoded in a sound wave signal transmitted from a sound wave from the merchant terminal;
A fifth step of confirming the payment information mapped with the received unique identification code and providing the payment information to an app of the user wireless terminal;
A sixth step of confirming a payment request using an nth (1? N? N) cipher from the app of the user wireless terminal provided with the payment information;
Wherein the control unit checks the user's cryptographic account of the n-th cipher currency upon checking the payment request using the n-th cipher currency, and updates the user's cipher account of the n-th cipher with the latest updated n-th cipher A seventh step of performing at least one encrypted currency bill validity authentication procedure based on the block;
Performing a cryptographic currency transaction procedure for payment of the payment amount of the payment information using the cryptographic unit held in the user's cryptographic currency account of the nth cryptographic currency when the at least one specified cryptographic currency payment validity is authenticated Step 8: And
And a ninth step of checking the password-based settlement result information that has processed payment of the payment information through the n-th cipher system and providing the result to the app of the user wireless terminal and the merchant terminal, Way.
The method of claim 1,
And a cryptographic unit for generating a block according to a block chain algorithm implemented on a designated block-chain network and participating in an active node capable of making a consensus request, in response to the operation server (or the node apparatus connected to the operation server) And a reverse sound wave settlement method using a cryptographic currency.
The method of claim 1,
The operation server (or the node device connected to the operation server) is created or agreed through a block chain algorithm implemented on a designated block-chain network, and a cipher money Wherein the reverse sound wave settlement method comprises the steps of:
The method of claim 1,
And a password of an operator issued through a block chain network implemented by an operator operating the operating server.
5. The method of claim 4, wherein the block chain network implemented by the operator further comprises:
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network partially mixing characteristics of a public block chain network and a private block chain network.
2. The method according to claim 1,
A cipher block containing blocks ciphered or generated according to a block-chain algorithm implemented on N block-chain networks implementing N (N &gt; = 1) ciphers implemented on a block-chain is identified and designated Storing in a block storage area; And
Performing a procedure of identifying a new block newly created or agreed upon according to a block chain algorithm implemented on the N block-chain networks and chaining and updating the new block in a cryptographic block stored in a designated block storage area; And a reverse sound wave settlement method using a cryptographic currency.
The method according to claim 1,
If the payment is made through the n-th cipher instead of the real money at the merchant,
An affiliated store that is registered to identify the merchant identification information that identifies the merchant that can settle and settle the settlement through the n-th cipher currency, and which is set up to identify the cipher unit held by the merchant (or merchant) A merchant-side password money account information identifying a cryptographic account and a franchise-point password account established for a cryptographic currency transaction using a cryptographic account unit held in the merchant cryptographic account in accordance with a block-chain algorithm implemented on the n-th block- A registration step of registering merchant-side password money registration information including cryptographic transaction authentication information; And
And a management step of managing the franchise-side cipher currency transaction information by storing the franchise-side cipher account information and the franchise-side cipher transaction authentication information in association with the franchisee identification information in a designated management DB, Reverse sound wave settlement method using money.
8. The method according to claim 7,
Reads the encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated n-th cipher currency block in the designated block storage area and stores the encrypted currency transactions held in the merchant cipher currency account of the n-th cipher A calculating step of calculating a unit; And
And storing the encrypted currency unit information held in the merchant's password money account in association with the merchant's password money account information in the management DB.
9. The method according to claim 8,
And verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, A reverse sound wave settlement method using cryptography.
The method according to claim 1,
A user side terminal for registering user information for the user through an app of a user wireless terminal and for identifying a user's cryptographic account established to identify a cryptographic unit held by a user on an nth block- And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account in accordance with the cryptographic account information and the block chain algorithm implemented on the nth block- A registration step of performing a procedure of registering user-side password money registration information; And
And a management step of managing the user's cipher currency transaction information by storing the user's cipher currency account information and the user's cipher currency transaction authentication information in a designated management DB in association with the user information, Backward sound wave payment method using.
11. The method according to claim 10,
Reads the encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated n-th cipher currency block in the designated block storage area, and stores the encrypted currency transaction account in the user's cipher currency account of the n-th cipher currency A calculating step of calculating a unit; And
And storing the encrypted currency unit information held in the user's password money account in the management DB in association with the user's password money account information.
12. The method according to claim 11,
And verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values included in each block for chaining i blocks included in the n-th cipher block, A reverse sound wave settlement method using cryptography.
The method as claimed in claim 1,
Further comprising the step of authenticating the validity of the received unique identification code.
The method according to claim 1,
Further comprising the step of confirming exchange rate information set for exchanging between the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency and storing the exchange rate information in the specified exchange rate storage area, Sound wave payment method.
15. The method of claim 14,
When confirming a payment request using the n-th password,
Confirming settlement exchange rate information based on exchange rate information between the n-th cipher currency and the designated real currency; And
Further comprising the step of determining a settlement unit of the settlement currency corresponding to the settlement amount of the settlement information based on the settlement exchange rate information.
16. The method according to claim 15,
The exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency,
And at least one of the exchange rate information, which is calculated by lowering the value of the n-th cipher currency by a predetermined ratio, than the current exchange rate information.
The method according to claim 1,
It is possible to check exchange rate information for currency exchange between a cipher money corresponding to a cipher money block stored in a designated block storage area and a specified real money, store it in a specified exchange rate storage area, check exchange rate information changed in a specified cycle, Further comprising the step of updating the stored exchange rate information.
18. The method of claim 17,
When confirming a payment request using the n-th password,
Confirming the settlement exchange rate information based on the current exchange rate information between the updated n-th cipher currency and the designated real currency; And
Further comprising the step of determining a settlement unit of the settlement currency corresponding to the settlement amount of the settlement information based on the settlement exchange rate information.
19. The method according to claim 18,
The exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency,
The exchange rate information for calculating the value of the n-th cipher currency by a certain percentage lower than the current exchange rate information,
Wherein the exchange rate information includes at least one exchange rate information of the exchange rate information adjusted to hedge the loss due to the exchange rate based on a trend of the exchange rate information during a predetermined period of time.
19. The method of claim 18,
Providing encrypted money settlement confirmation information including the settlement exchange rate information to an app of the user wireless terminal;
If the user decides that the encrypted currency settlement corresponding to the encrypted currency settlement confirmation information is accepted through the application of the user wireless terminal, Receiving; And
And authenticating the validity of the user confirmation information based on the user identification information.
21. The method as claimed in claim 20,
Further comprising information on a billing unit for billing to be withdrawn from the user's password money account for the password currency settlement based on the settlement currency exchange information.
21. The method of claim 20,
Secret information registered by the user,
Biometric information for authenticating the user's biometric information,
Authentication confirmation information for confirming that the user's wireless terminal has authenticated the user's body,
And a cipher currency transaction authentication information for a cipher currency transaction for fetching a cipher currency unit specified in a user's cipher account of the n-th cipher currency.
The method as claimed in claim 1,
And a step of authenticating whether or not the user has a valid cryptographic currency unit capable of paying the payment amount of the payment information to the user's cryptographic account of the n-th cryptographic currency based on the latest updated n-th cryptographic currency block of the n-th cryptographic currency And performing a password currency validity authentication procedure based on the password.
24. The method of claim 1 or 23,
And verifying the validity of the n-th cipher block by performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the n-th cipher block, Wherein the reverse sound wave settlement method comprises the steps of:
The method as claimed in claim 1,
Wherein the n &lt; th &gt; block encryption unit includes the user's cryptographic account as a withdrawal account of the cryptographic transaction details broadcasted to the n &lt; th & Further comprising the step of performing a password currency validity authentication procedure for authenticating that there is no unacknowledged password currency transaction history related to a user-side withdrawal related to a standby state.
26. The method of claim 25,
When the user confirms the idle state withdrawal-related unrecognized password currency transaction details including the user's password account on the n-th block-chain network as the withdrawal account, the encrypted money And a step of authenticating whether or not the user has a valid cryptographic unit capable of paying the settlement amount of the payment information in the user's cryptographic currency account using at least one cryptographic unit of the cryptographic unit held in the user's cryptographic account The method of claim 1, further comprising the step of performing a password validation authentication procedure.
26. The method of claim 25,
When the user confirms the unexecuted password transaction details regarding the user-side withdrawal related to the standby state including the user's cryptographic account as the withdrawal account on the nth block-chain network, the block chaining process based on the block chain algorithm implemented in the nth block- Further comprising the step of performing a designated procedure for including in the n-th cipher currency block the settlement history of the settlement password in preference to the confirmed undischarged cipher transaction history of the user-side withdrawal related to the user A reverse sound wave settlement method using cryptography.
The method as claimed in claim 1,
A password password transaction transaction for withdrawing a password unit for settlement corresponding to the settlement amount of the settlement information among the cryptographic units held in the user's cipher currency account of the n-th cipher currency and transferring the unit to the specified cipher password for settlement To the n-th block-chain network. The method of claim 1, further comprising the steps of:
The billing apparatus according to claim 28,
An escrow cryptographic account of the n-th cipher currency designated for escrow which temporarily reserves the cipher unit of the cipher currency held in the user's cipher currency account of the n-th cipher currency for the exchange in the real currency unit, Wherein the reverse sound wave settlement method comprises the steps of:
The billing apparatus according to claim 28,
And a cryptographic money account for purchasing the cryptographic unit for settlement after requesting to sell the cryptographic unit for settlement among the cryptographic units held in the user's cryptographic currency account of the n-th cryptographic currency according to a designated cryptographic transaction procedure, Wherein the reverse sound wave settlement method comprises the steps of:
The billing apparatus according to claim 28,
And when the merchant's cryptographic money account for the n-th cipher currency transaction of the merchant is registered, the account information includes the registered merchant cipher currency account.
29. The method of claim 28,
And transmits settlement result information including a result of a password-based settlement approval for the settlement information to an app and an affiliate terminal of the user wireless terminal within a predetermined time after broadcasting the settlement password transaction transaction history to the nth block-chain network And transmitting the reverse-direction sound wave to the recipient.

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