KR20190080653A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Radio Signal Device and Cryptocurrency - Google Patents

Abstract

The present invention relates to an asynchronous reverse direction payment method based on application interlocking by using a wireless device and cryptocurrency and, more specifically, to a method which is implemented by means of an operation server which communicates with a terminal of a member store and is communicable with a wireless terminal of a user who visits the member store. The method comprises the steps of: allowing the operation server to receive transaction registration information and a one-time identification (OTID) from the terminal of the member store; allowing the operation server to store the transaction registration information in association with the OTID; allowing the operation server to receive recognition information from a designated operation application of the wireless terminal of the user; allowing the operation server to check one transaction registration information; allowing the operation server to provide transaction information to the operation application of the wireless terminal of the user; allowing the wireless terminal of the user to check the result of procedures of a cryptocurrency transaction; and providing payment result information based on cryptocurrency to the wireless terminal of the user and the terminal of the member store.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asynchronous reverse payment method based on an application-

When registering transaction registration information including amount information for reverse payment from a merchant terminal having a wireless device for transmitting a designated radio signal, it is possible to uniquely identify a merchant having the wireless device separately, (One Time IDentification), which is generated through a separate wireless device provided in the merchant's terminal and registered through the merchant terminal, in order to uniquely identify a specific transaction corresponding to the transaction registration information And receives identification information including the OTID from the operating app of the user wireless terminal that has received the wireless signal sent from the franchise point wireless device that has registered the transaction registration information in the short distance and registers the franchisee with the wireless device Wherein when the identification authentication is performed, Providing the transaction information including the transaction amount corresponding to the transaction registration information registered at the point of sale, the operating application of the user wireless terminal operates the separate payment application and provides payment information for payment of the transaction amount to the payment application The settlement processing unit processes the settlement through the payment application, and when the user wireless terminal requests settlement using blockchain-based cipher money, the cipher money is used as a payment unit to settle the settlement.

Electronic payment, which is provided to a conventional offline merchant, is a process of reading out card information by reading a card from a merchant terminal when a customer presents the card to an merchant, creating a payment request message containing the card information at the merchant terminal, ), The card company server receives the payment request telegram and accepts the payment request telegram. As described above, a settlement route starting from a customer to a merchant terminal, a van, and a credit card company server is defined as a 'forward direction'.

Meanwhile, the conventional forward payment has advantages of providing offline payment promptly, but there is a problem that the commission fee including the van fee is charged excessively for each settlement from the merchant's point of view. And it is difficult for the credit card company to effectively deal with the illegal payment using the lost card.

In addition, the conventional forward payment has a problem that the customer's card information is exposed to the merchant in addition to the card issuer who issued the card with the customer himself / herself because the customer's card is paid by reading the merchant terminal.

On the other hand, when the buyer mobile receives the payment information by photographing the barcode displayed on the seller mobile, the buyer mobile requests the payment using the credit card stored in the buyer mobile and then receives the approval information from the buyer mobile through the short- (Japanese Patent Application Laid-Open No. 10-2014-0007781 (Jan. 20, 2014)).

However, in the case of the conventional reverse settlement method, since the buyer mobile shoots the barcode displayed on the seller mobile, it takes at least 5 to 6 seconds to prepare the barcode in the buyer's mobile so that time delay occurs compared to the conventional forward payment. Also, in the conventional reverse payment method, payment is made at the buyer mobile and the approval information is provided to the seller mobile through the short distance communication. In this case, after the barcode is displayed on the seller mobile, And can not provide payment. In addition, for short distance communication between the buyer mobile and the seller mobile, the mutual identification procedure such as pairing between the buyer mobile and the seller mobile must be performed in advance. In order to make a payment, a mutual identification procedure such as pairing between the buyer mobile and the seller mobile It is very uncomfortable and has a problem of rejection.

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-based cryptography to such settlement-related fields.

An object of the present invention to overcome the above problems is to provide a merchant terminal having a wireless device for transmitting a designated radio signal, when registering transaction registration information including amount information for reverse payment, And a disposable-use terminal, which is generated through a separate wireless device provided at the merchant for uniquely identifying the specific transaction corresponding to the transaction registration information at least for a predetermined period of time, The method includes mapping the OTID (One Time IDentification) with the transaction registration information, and transmitting the identification information including the OTID from the operating app of the user wireless terminal that receives the wireless signal transmitted from the merchant wireless device And when the merchant having the wireless device is identified and authenticated, When providing the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification and authenticated merchant with the operating app of the wireless terminal, the operating app of the user wireless terminal operates a separate payment app, And the settlement application is provided through the payment application. When the user wireless terminal requests settlement using blockchain-based passwords, the user uses the passwords as payment means And an application-based asynchronous reverse payment method using a wireless device that processes the payment for payment.

It is another object of the present invention to provide a method for using a block chain in an uplink wireless settlement service while compensating for a technical and / or security defect occurring in the process of applying a block-chain-based cryptography to payment.

An asynchronous reverse payment method based on an application linkage using a wireless device and a cipher system according to the present invention is a method for communicating with a merchant terminal operated by an affiliated store having a wireless device transmitting a designated wireless signal and communicating with a user wireless terminal visited at an affiliated store The method comprising: receiving, by the operation server, transaction registration information including amount information from an affiliate shop terminal operated by an affiliated store having the wireless device; A first step of receiving an OTID (One Time IDentification) generated through a merchant wireless device associated with the merchant terminal in order to uniquely identify a specific transaction corresponding to the transaction registration information for at least a predetermined period of time, And the operating server associates the transaction registration information with the OTID. And the operating server reads the radio signal from the designated operating application of the user wireless terminal that receives the wireless signal transmitted from the franchise point wireless device provided in the franchisee within the effective time of the OTID, A third step of receiving recognition information including an OTID; and a third step of the operation server reading the received OTID to uniquely identify a merchant having a wireless device, and at the same time, A fourth step of confirming a transaction registration information uniquely identified through the OTID; and a fourth step of confirming the transaction registration information, which is uniquely identified through the OTID, and a transaction amount corresponding to the amount information of the transaction registration information, (N > = 1) based on the block chain in the user wireless terminal N cipher chain network that implements the n-th cipher system and confirms the user's cipher account of the n-th cipher system when confirming a payment request using the n-th (1 < n < N) A cryptographic currency trading procedure for fetching a cryptographic currency unit for settlement for payment from the user's cryptographic currency account of the n-th cryptographic currency and transferring the unit to the designated cryptographic currency account for settlement is performed through the specified payment server A sixth step of confirming the result of the encrypted money transaction procedure and a seventh step of providing cryptographic money based settlement result information for the cryptographic money transaction procedure to the user wireless terminal and the merchant terminal, , The payment is transmitted to the payment application running through the operating app in the user wireless terminal and used for the payment procedure of the payment application .

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, the N ciphers are implemented on a specified block-chain network by the operation server (or a node device associated with the operation server) (Or a node device associated with the operation server), which is a block chain implemented on a designated block-chain network, At least one of cryptographic money that has been generated or agreed through an algorithm and which has been joined to a passive node capable of realizing a chained block in real time, cryptographic money of an operator issued through a block chain network implemented by an operator who operates the operating server And a password coded by the user.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, an asynchronous reverse payment method is provided. The method includes receiving user information about the user through an app of a user wireless terminal, And a password cryptographic module for encrypting the user's cryptographic account information stored in the user's cryptographic account according to a block chaining algorithm implemented on the n-th block- Performing a procedure of registering user-side encrypted currency registration information including user-side encrypted currency transaction authentication information set for a password currency transaction using a currency account unit; and executing the process of registering the user-side encrypted currency account information and the user- Information in association with the user information, And by further comprising the step of managing the user-side password monetary transactions it is characterized in that formed.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, an asynchronous reverse payment method based on an interlocking of an application using a cryptographic currency is provided. The cryptographic currency corresponding to the cryptographic currency block stored in a designated block storage area is checked for exchange rate information for exchange, In a storage area.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, when the exchange rate information is changed, the exchange rate information that is changed every designated period is checked and the exchange rate information stored in the designated exchange rate storage area is updated The method comprising the steps of:

The present invention provides an asynchronous reverse payment method based on an application interlocking method using a wireless device and a cryptographic currency according to the present invention, the method comprising the steps of: when confirming a payment request using the n-th cipher currency, The method comprising the steps of: confirming the settlement exchange rate information based on the settlement currency exchange rate information; and determining a settlement currency unit corresponding to the settlement amount based on the settlement exchange rate information.

In the asynchronous reverse payment method based on the application interlocking using the wireless device and the cipher system according to the present invention, 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, Information of at least one of the adjusted exchange rate information to hedge the loss due to the exchange rate based on the exchange rate information, which is calculated by lowering the value of the n-th cipher currency by a predetermined ratio, And a control unit.

In an asynchronous reverse payment method based on an application interlocking operation using a wireless device and a cipher system according to the present invention, a method of transmitting an asynchronous reverse payment message to a block implemented on N block chain networks implementing N (N? 1) Comprising the steps of: identifying a cryptographic block containing chained blocks created or agreed upon according to a chain algorithm and storing the cryptographic blocks in a designated block storage area; And performing a procedure of confirming a new block and chaining the new block to a cryptographic block stored in a designated block storage area and updating it.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, in order to chain i (i? 2) blocks included in the nth cipher block, a hash value And a step of verifying the validity of the nth encrypted currency block by performing a specified verification operation of the nth encrypted currency block.

The present invention provides an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, the method comprising: when a payment request using the n-th cipher currency is confirmed, And a step of authenticating whether or not the user has a valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic currency account of the n-th cryptographic unit. do.

In the asynchronous reverse payment method based on an app linkage using a wireless device and a cipher system according to the present invention, when a payment request using the n-th cipher currency is confirmed, n < / RTI > ciphertext block included in the n < th > ciphertext block while the user's ciphertext account is included in the withdrawal account among the ciphertext transaction details broadcasted to the n & And performing a password validation authentication procedure to authenticate the user.

The present invention relates to an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, the method comprising the steps of: A valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic currency account using at least one of a cryptographic currency unit included in the undisplayed cryptographic currency transaction history and an encrypted currency unit held in the user's cryptographic currency account And performing a password validation authentication procedure including a procedure for authenticating whether or not the user possesses a password.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, when an unconfirmed cipher transaction history of the user-side withdrawal is confirmed on the n-th block-chain network, Performing a designated procedure to include in the n-th cipher currency block the settlement history of the settlement password currency transaction prior to the confirmed user-side withdrawal-related undeclared ciphertext transaction history in connection with the block chaining process based on the block- And further comprising:

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, the sixth step corresponds to an amount of the cipher system held in the user's cipher currency account of the n-th cipher system And a step of generating a billing password transaction transaction for transferring the billing password unit to the designated billing password account and broadcasting the billing password transaction to the nth block-chain network .

In the asynchronous reverse payment method based on the application interlocking using the wireless device and the cipher system according to the present invention, the billing password account is a password for the payment password of the cipher currency unit held in the user cipher account of the n-th cipher currency, And an escrow cryptographic currency account of a nth cryptographic currency designated for an escrow which is temporarily stored for exchanging the currency unit into the real currency unit.

In the asynchronous reverse payment method based on the application interlocking using the wireless device and the cipher system according to the present invention, the billing password account is a password for the payment password of the cipher currency unit held in the user cipher account of the n-th cipher currency, And a cryptographic money account in which the buyer purchases the cryptographic unit for settlement after requesting sale of the denominated unit in accordance with a designated cryptographic transaction procedure.

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, the seventh step comprises: broadcasting the transaction details of the payment password transaction to the n-th block chain network, And providing settlement result information including the result of the password-based settlement approval for the money transaction procedure to the user wireless terminal and the affiliate shop terminal.

According to the present invention, a merchant having a wireless device for transmitting a designated radio signal registers trade registration information in a specified operating server while separately identifying a franchisee having the wireless device, and at the same time, After registering the transaction registration information with the OTID generated to uniquely identify the transaction for at least a certain time, the OTID included in the radio signal is transmitted from the user wireless terminal that receives the wireless signal transmitted through the wireless device of the merchant Recognizes and authenticates the merchant having the wireless device through the recognized one OTID when requesting the reverse payment, and at the same time, identifies the merchant having the wireless device corresponding to any transaction registration information among the plurality of transaction registration information registered in the identification and authenticated merchant The system automatically identifies a particular transaction and allows it to be processed backwards through the user's wireless terminal. There is an advantage.

According to the present invention, an OTID associated with transaction registration information registered at an affiliated store having a wireless device is used to identify and authenticate an affiliated store having a wireless device, and at the same time, Even if the transaction registration information for the next settlement is registered before the reverse payment for the transaction registration information previously registered at the merchant having the wireless device is completed by automatically identifying the specific transaction corresponding to the registration information, And the reverse payment corresponding to each transaction registration information is processed asynchronously through each of the user wireless terminals that have received the wireless signal and recognize each OTID.

According to the present invention, various technical and / or security defects occurring in the process of applying block-chain-based cryptography to billing are solved to provide a secure managed reverse wireless settlement service through a block chain.

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.
FIG. 8 is a diagram illustrating a wireless signal recognition or transaction information providing process of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a process of interworking between the operating app 420 and the payment app 450 of the user wireless terminal 400 according to an embodiment of the present invention.
10 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.
FIG. 11 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.
12 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.
13 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.
FIG. 14 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.
FIG. 15 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.
FIG. 16 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.
17 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. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate shop according to an embodiment of the present invention.

In more detail, FIG. 1 shows the wireless device 360 when registering transaction registration information including amount information for reverse payment from a merchant terminal 300 having a wireless device 360 for transmitting a designated wireless signal (360) that is unique to the franchisee and uniquely identifies a particular transaction corresponding to the transaction registration information at least for a predetermined period of time, 300), and transmits the one-time OTID (One Time IDentification) registered in the transaction registration information to the user wireless terminal (300) that has received the wireless signal transmitted from the merchant wireless device (360) When the identification information including the OTID is received from the operating app 420 of the wireless device 400 and the merchant having the wireless device 360 is identified and authenticated, The operation app 420 of the user wireless terminal 400 provides the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification and authenticated merchant to the operating app 420 of the wireless terminal 400, The billing application 450 provides the payment information for payment of the transaction amount to the payment application 450 and processes the payment through the payment application 450. The user's wireless terminal 400, The present invention provides a system for processing a payment using a ciphertext based on a block chain based on a ciphertext as a payment means, It is possible to refer to and / or modify the FIG. 1 so that various methods of implementation of the reverse payment providing system using the merchant-side wireless device 360 (for example, Would be able to infer the way or broken, or combined embodiment), 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 is characterized in that a franchisee having a franchise shop terminal 300 operated by an affiliated shop having a wireless device 360 for transmitting a designated wireless signal and a wireless device 360 transmitting a designated wireless signal is distinguished Side wireless device 360 for transmitting a wireless signal including the OTID dynamically generated in a disposable fashion to a unique location for uniquely identifying a specific transaction of the franchisee at least for a certain period of time at a short distance; 360) and a payment application (450) for performing a payment procedure for the transaction amount confirmed using the recognized OTID, or a user wireless terminal (400), and an operation server (200) which is interlocked with the operating app (420) of the user wireless terminal (400) and can communicate with the affiliated shop terminal (300) And a payment server 100 provided in a payment system interlocked with the payment application 450 of the base user wireless terminal 400 and performing the server side payment procedure corresponding to the payment procedure of the payment application 450 . Meanwhile, when the user wireless terminal 400 requests the payment using the block chain based cipher from the user wireless terminal 400, at least one (or two) of the operation server 200 and the payment server 100 The server of the present invention performs a cryptogram transaction procedure for making a payment using the cryptogram as a payment means, and a preferred embodiment thereof will be described with reference to FIG.

The franchise-point-side terminal 300 is a collective term of a terminal operated by an affiliated store having a wireless device 360 for transmitting a designated radio signal. For example, the franchise-side terminal 300 may include a merchant terminal (for example, POS terminal, CAT, etc.). Alternatively, the franchise-point-side terminal 300 is operated in an affiliate terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each affiliate shop or an affiliate shop for the reverse payment based on the affiliate shop- (E.g., a smartphone, a mobile phone, a tablet PC, or the like) or a wireless terminal carried by an affiliate shop owner (or an employee). That is, the franchise-point-side terminal 300 of the present invention may be any terminal that performs the function of the franchise-point-side terminal 300 described in the present invention by being operated by the franchisee, and may be a terminal of a specific name or a specific physical terminal It is not limited.

According to the embodiment of the present invention, the franchise-point-side terminal 300 can communicate with the operation server 200 through a communication network, and the franchise-point-side terminal 300 for the reverse payment based on the franchise- ) Is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant terminal 300 as a main body is implemented through the merchant application 320.

An affiliate shop wireless device 360 that transmits a wireless signal designated to an affiliate shop operating the affiliate shop terminal 300 is provided and an affiliate shop application 320 specified in the affiliate shop terminal 300 of the affiliate shop is installed , The franchise-point-side terminal 300 can perform a predetermined information registration procedure for the reverse payment using the franchise-point-side wireless device 360.

According to the method of the present invention, the merchant-point-side terminal 300 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / ) Can be transmitted and registered. On the other hand, the merchant-point-side terminal 300 stores the merchant information given to the merchant for a predetermined settlement (for example, a forward payment for transferring the specialties to the card company via the VAN from the merchant terminal) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the merchant terminal 300 may store predetermined terminal information (for example, information that uniquely identifies a specific terminal among the terminals provided at the merchant, or information given to the merchant terminal processing the forward payment, etc.) And can transmit and receive the terminal information to the designated operation server 200 and register it.

The franchise-point-side terminal 300 includes a separate inherent code (e.g., a unique code that uniquely identifies a franchisee having a wireless device 360 that transmits a designated radio signal, and / A unique code that uniquely identifies the merchant terminal 300 separately operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the wireless device 360 that transmits the designated wireless signal to the merchant ), And can process the specific code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the unique code may include a code value assigned to the merchant that is determined to be unique so as to uniquely identify the merchant having the wireless device 360. (For example, merchant point information such as a merchant point number for (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant store is transmitted to the merchant 360, The unique code is provided with the wireless device 360 at the merchant so that the merchant having the wireless device 360 can be separately identified by uniquely identifying the merchant And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 300 of the merchant having the wireless device 360 . If the merchant terminal 300 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal is information provided only to identify the merchant terminal regardless of whether the merchant is equipped with the wireless device 360. On the other hand, The unique code includes the wireless device 360 at an affiliated store so that a unique code value that is determined in a non-redundant manner to separately identify the affiliated store terminal 300 provided at an affiliated store having the wireless device 360 . ≪ / RTI >

According to the third specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the wireless device 360 at the merchant. The wireless device 360 provided at the merchant may be assigned a unique code value that is not redundant to uniquely identify the wireless device 360. In this case, The franchisee having the merchant 360 can be used as a unique code that uniquely identifies the franchisee.

According to a fourth inherent code embodiment of the present invention, the inherent code may comprise a code that at least partially combines at least two of the first through third inherent code embodiments, It is not limited. That is, it is clear that the unique code of the present invention belongs to the scope of the present invention, whatever code is not duplicated in order to uniquely identify the wireless device 360.

According to the embodiment of the present invention, the affiliated shop terminal 300 (or the information registration terminal used in the affiliated shop) operated by the affiliated shop having the wireless device 360 can access the merchant terminal 300 To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first unique code identification embodiment of the present invention, the unique code may be displayed on one side of the merchant-side wireless device 360 or may include code values printed on the wireless device 360's instruction manual, In this case, the franchise owner (or employee) of the franchisee that receives (or purchases) the franchise point wireless device 360 receives the code value of the wireless device 360 via the franchise shop terminal 300 And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second unique code checking embodiment of the present invention, the merchant-side wireless device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the wireless device 360 The franchise point terminal 300 of the franchisee to which the franchisee 300 has supplied (or purchased) the at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication means, and the like). In this case, the merchant terminal 300 requests / receives a code value recorded in a designated storage area of the wireless device 360 in cooperation with the merchant-side wireless device 360, You can check your own code.

According to the third specific code checking embodiment of the present invention, the merchant-point-side terminal 300 is connected to the operation server 200 during / after communication connection (or performing a predetermined information registration procedure) with the designated operation server 200, And a procedure for exchanging / agreeing a code value determined not to be duplicated by performing a designated code exchange procedure, and can confirm a unique code including the exchanged / agreed code value.

According to the fourth unique code checking embodiment of the present invention, the merchant terminal 300 generates a code value that is not duplicated (or generates a code value) through a designated code generation procedure, And checks the unique code including the generated code value.

According to the fifth unique code checking embodiment of the present invention, the operating server 200 communicating with the merchant-point-side terminal 300 generates a code value that is not duplicated (or generates a code value The franchise point terminal 300 may receive the code value determined not to be duplicated from the operation server 200, and may transmit the generated code value to the franchise point terminal 300, And receive a unique code containing the received code value.

According to the sixth unique code checking embodiment of the present invention, the merchant terminal 300 may at least partially combine at least two of the first to fifth unique code checking embodiments to determine a unique code The present invention is not limited thereto.

According to the embodiment of the present invention, the franchise-point-side terminal 300 transmits a unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant- Side wireless device 360 in the designated storage area of the merchant terminal 300 and store the same in the designated storage area of the merchant terminal 300 according to the method.

According to the embodiment of the present invention, the franchise-point-side terminal 300 transmits the unique code identified through at least one of the first to sixth unique code checking embodiments to the designated operation server 200 Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant- The inherent code can be linked and stored in the designated storage medium.

Meanwhile, according to another embodiment of the present invention, the merchant terminal 300 may be provided with the wireless device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment. A procedure for registering the unique code may be omitted in the case of dynamically generating an OTID in the form of a code value for uniquely identifying one merchant separately and uniquely identifying a specific transaction corresponding to the transaction registration information at least for a predetermined period of time And it is clear that the present invention can also include an embodiment that does not register the unique code as a right scope.

In the reverse payment based on the wireless device 360 according to the present invention, the merchant terminal 300 receives amount information for reverse payment or checks the amount information according to a designated procedure, And registers it in the operation server 200. [

According to an embodiment of the present invention, the transaction registration information includes the input / verified amount information, and may further include product information and / or date information corresponding to the amount information according to an implementation method. Meanwhile, the transaction registration information may include merchant registration information for the merchant to identify the merchant registration information (or the merchant terminal 300) for registering the transaction registration information for the reverse payment, merchant information And terminal information provided in the franchise-point-side terminal 300, as shown in FIG. Meanwhile, the unique code is provided to the merchant terminal 300 (or the affiliate shop wireless device 360 associated with the affiliate shop terminal 300) according to an embodiment of the present invention, The transaction registration information may further include the unique code, and thus the present invention is not limited thereto.

The franchise point wireless device 360 is a collective term of a device that is provided / operated in an affiliated store and transmits (or broadcasts) a wireless signal of a specified wireless signal standard that can be received and recognized by a nearby user wireless terminal 400, The wireless signal including the OTID is transmitted to a short distance, and the wireless signal including the OTID and the disposable code can be transmitted in a short distance according to the method.

On the other hand, at a specified point in time before, during, and after the transaction registration information is registered in the operation server 200, the franchise point wireless device 360 separately identifies the franchisee having the wireless device 360 separately (OTID) that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time. Preferably, the franchise point wireless device 360 generates the OTID by a request (or command) from the franchise point terminal 300 and / or an operation unit (not shown) provided in the wireless device 360, The OTID may be generated based on the input operation using the OTID and / or the OTID may be generated periodically, and the generated OTID may be provided to the merchant-side terminal 300 to be registered in the operation server 200 can do.

According to the method of the present invention, the merchant-point-side wireless device 360 confirms a unique code that uniquely identifies a merchant having the wireless device 360, and transmits the unique code only through a specific device / The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. In other words, the OTID of the present invention has a unique identification that uniquely identifies a franchisee having the wireless device 360, and at the same time, the OTID of the present invention has a unique identification that uniquely identifies a particular transaction corresponding to specific transaction registration information And has an identifiability.

On the other hand, a normal one-time password is used only as an authentication means for authenticating a previously identified object through a predetermined identification means based on a one-time (= effective for a certain period of time) and randomness (a property having an arbitrary value) , The OTID of the present invention not only has uniqueness that is not duplicated, discrimination for identifying a specific object, one-time for identifying a specific transaction for a predetermined time, and the like, And has multiple identities that simultaneously identify transactions.

According to the first OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 confirms the unique code separately identifying the merchant having the wireless device 360 and the time information read according to the specified rule And generating a disposable OTID concealing the inherent code by using the inherent code and time information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the second OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates a unique code for separately identifying a merchant having the wireless device 360 and arbitrary random number information generated through a specified algorithm And generating a disposable OTID concealing the inherent code by using the inherent code and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the third OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates a unique code that uniquely identifies the merchant having the wireless device 360, time information read in accordance with the specified rule, And performing the specified encoding procedure using at least one of the inherent code, the time information, and the random number information as parameters of an encoding rule for generating a code value of the designated code system, You can create a hidden disposable OTID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the fourth OTID generation embodiment of the present invention, the merchant-point wireless device 360 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using a key value to generate a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule and the key value and read the unique code hidden in the OTID.

According to the fifth OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 exchanges a specified key value with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using the read-out date information according to a specified rule, thereby generating a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule, the key value, and the date and time information and read the unique code hidden in the OTID.

According to the sixth OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates at least one of the first to fifth OTID generation embodiments by at least partially combining the at least two embodiments, It is possible to generate a disposable OTID that is hidden, and thus the present invention is not limited thereto.

Meanwhile, according to another embodiment of the present invention, the merchant's point-of-sale wireless device 360 includes (or hides) a temporary unique code determined not to be duplicated for a predetermined period of time, It is possible to generate the OTID in the form of a code value for uniquely identifying the affiliated merchant separately and at the same time uniquely identifying the specific transaction corresponding to the transaction registration information at least for a predetermined period of time, and thus the present invention is not limited thereto.

The franchise point wireless device 360 provides the OTID generated through at least one of the first to sixth OTID generation embodiments to the designated franchise point side terminal 300, The OTID generated through the wireless device 360 may be received and transmitted to the designated operation server 200 for requesting registration. The merchant terminal 300 may transmit the transaction registration information and the OTID together to the operation server 200, or sequentially transmit the transaction registration information and the OTID according to a designated procedure, thereby not limiting the present invention.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the wireless device 360 and also receives the OTID transmitted through the merchant terminal 300 .

On the other hand, the operating server 200 receiving the transaction registration information can confirm whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is a merchant having the wireless device 360. According to the embodiment of the present invention, the operation server 200 compares / inquires the information included in the transaction registration information and the information registered in the operation server 200, It is possible to confirm whether the merchant operating the terminal 300 is a merchant having the wireless device 360.

On the other hand, the operating server 200 receiving the OTID can read the OTID and confirm that the merchant registering the transaction registration information together with the OTID is a merchant having the wireless device 360. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200, thereby registering the transaction registration information together with the OTID It is possible to confirm whether it is a franchisee having the wireless device 360.

When the merchant registering the transaction registration information is identified as an affiliated store having the wireless device 360, the operation server 200 stores the transaction registration information (or the amount information including the amount information) received from the affiliated shop terminal 300 At least a part of the transaction registration information) and the OTID are stored and managed in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction registration information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

After storing the OTID and transaction registration information in a designated storage medium, the operation server 200 provides the registration result information including the registration result of the transaction registration information and the OTID to the merchant terminal 300. Preferably, the registration result information may include an OTID associated with the transaction registration information.

The franchise point side terminal 300 receives the registration result information from the operation server 200 and provides the OTID to the designated franchise point wireless device 360 so that the wireless device 360 can be operated within the valid time of the OTID, To transmit the radio signal including the OTID.

According to the embodiment of the present invention, the franchise point-side terminal 300 can authenticate the validity of the registered transaction registration information with a franchise shop (= a franchisee having a designated radio 360) uniquely identified through the OTID You can generate a one-time code that contains the code value of the specified code scheme. On the other hand, the merchant terminal 300 exchanges seed code generation seed information (for example, a rule for determining a fixed seed value and / or a seed value) with the operation server 200 in order to generate the one- The merchant terminal 300 and the operation server 200 can register and manage the seed information for generating or authenticating the disposable code. Preferably, the operation server 200 can map and store the seed information and the unique code, and according to the method, the operation server 200 can register the registered merchant through the merchant terminal 300 At least one of information, merchant registration information, and terminal information and the seed information can be mapped and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code registered in the operation server 200 through the merchant terminal 300 is used as the seed information, additional seed information is registered The process can be omitted, and the present invention is not limited thereto.

When the seed information for authenticating the disposable code generated by the franchise point terminal 300 is mapped to the operation server 200, the franchise point terminal 300 transmits one or more seed values (for example, , A fixed seed value, etc.) and at least one dynamic seed value dynamically determined (e.g., a time value corresponding to the current time (or standard time) and / or a value exchanged with the server side authenticating the one-time code) You can dynamically generate one-off code of the specified code system by assigning it to the algorithm. For example, the one-time code may include code generated dynamically through an algorithm that generates an OTP (One Time Password).

According to the first disposable code generation embodiment of the present invention, the merchant terminal 300 assigns designated seed values to a designated code generation algorithm before registering the transaction registration information with the operation server 200, Can be dynamically generated.

According to the second disposable code generation embodiment of the present invention, the merchant terminal 300 requests registration of the transaction registration information to the operation server 200 and receives the registration result information from the operation server 200 The specified seed values can be assigned to the designated code generation algorithm to dynamically generate the one-off code of the designated code system.

According to the third disposable code generation embodiment of the present invention, after receiving the registration result information from the operation server 200, the franchise point terminal 300 substitutes designated seed values into a designated code generation algorithm, Can be dynamically generated.

When the registration result information including the OTID is received from the operation server 200 and the one-time use code is generated in the merchant terminal 300 through at least one of the first to third one-off code generation embodiments , The franchise-point-side terminal 300 provides the OTID and the disposable code to the designated franchise-point-side wireless device 360 so as to transmit the OTID and the disposable code including the OTID and the disposable code via the wireless device 360 within the valid time of the OTID So that a signal can be transmitted.

Meanwhile, according to another embodiment of the present invention, the disposable code can be dynamically generated through the merchant-side wireless device 360 (in this case, the merchant-point-side terminal 300 is connected to the merchant- It is possible to generate the disposable code and perform the procedure of registering the seed information for the authentication in the operation server 200). The merchant terminal 300 can generate the one-time code of the designated code system by substituting the designated seed values into the designated code generation algorithm while generating the OTID, or dynamically generate the one-off code from the merchant terminal 300 The disposable code can be dynamically generated by being requested to dispatch. The merchant terminal 300 may transmit a radio signal including the OTID and the disposable code within the valid time of the OTID. That is, when the wireless device 360 transmits a radio signal including the OTID and the disposable code, the disposable code is generated only before transmitting the radio signal, and when the disposable code is generated The invention is not limited.

The present invention is characterized in that a wireless signal including the OTID is transmitted through a separate wireless device 360 provided at an affiliated store and a unique identification and authentication of a merchant having the wireless device 360 through one OTID Based on a characteristic of automatically identifying a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, before the reverse payment for transaction registration information previously registered in the merchant terminal (300) is completed Even if the transaction registration information for the next reverse payment is registered, each reverse payment can be processed asynchronously.

According to the method of the present invention, the merchant-side wireless device 360 is connected to at least one of the specified at least one local communication means (e.g., at least one of Bluetooth, WiFi, NFC, RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side wireless device 360 receives the wireless signal of the specified wireless signal standard that is received through the short-range wireless unit 410 provided in the user wireless terminal 400 and recognizable through the designated application (Or broadcast) it. Preferably, the merchant-side wireless device 360 may transmit a Bluetooth-based asynchronous radio signal (e.g., a radio signal that is broadcast on a Bluetooth 4.0 standard or later without specifying the recipient (or without pairing)). Alternatively, the merchant-side wireless device 360 may transmit a Wi-Fi-based asynchronous wireless signal. Alternatively, the franchise point wireless device 360 may transmit a wireless signal of the NFC (Near Field Communication) standard. In this case, the franchise point wireless device 360 may be a reader / writer mode, a tag mode, Can operate. Alternatively, the franchise point wireless device 360 can transmit a wireless signal of the RFID standard specification. That is, the franchise point wireless device 360 of the present invention can be any device that transmits (or broadcasts) a recognizable wireless signal through a wireless signal-related component provided in a user wireless terminal 400 located at a nearby location It should be clear that the present invention is not limited to the apparatus for transmitting a radio signal of a specific radio signal standard belonging to the right scope of the present invention.

According to the embodiment of the present invention, the franchise point wireless device 360 can receive the OTID from the franchise point terminal 300 and transmit the wireless signal including the OTID in a short distance. Alternatively, the franchise point wireless device 360 may receive the OTID and the disposable code from the franchise point terminal 300 and transmit the wireless signal including the OTID and the disposable code to the franchise point terminal 300 at a short distance. Hereinafter, the technical features of the present invention will be described, but the present invention is not limited thereto, for the sake of convenience, that the franchise point wireless device 360 transmits a radio signal including the OTID and the disposable code.

The user wireless terminal 400 is a collective term of a [wireless terminal 400] having a wireless signal related component capable of receiving a wireless signal transmitted through the affiliated store-side wireless device 360 owned / The user wireless terminal 400 is installed with an operating app 420 for recognizing the OTID of the wireless signal transmitted through the merchant wireless device 360 and displays the OTID recognized through the operating app 420 And a payment application 450 for confirming the transaction amount and performing the transaction procedure of the transaction amount can be installed and executed.

The user wireless terminal 400 includes a short range wireless unit 410 that receives a wireless signal transmitted (or broadcasted) through the affiliate shop wireless device 360. The near field wireless unit 410 of the user wireless terminal 400 receives radio signals transmitted (or broadcasted) through the affiliated dealer wireless device 360 and wirelessly transmits wireless signals The present invention is not limited thereto.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be provided by the user (or with a designated application) before sending the wireless signal from the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, when the operating app 420 is activated (or activated), it is checked whether the local wireless unit 410 is activated so as to receive the designated wireless signal. If the local wireless unit 410 is not activated, And may perform a series of procedures for activating the short range wireless unit 410. Meanwhile, when the local wireless unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the activated local wireless unit 410 And receives the radio signal transmitted from the franchise point wireless device 360 and receives data transmitted from the franchise point wireless device 360 and digitizes the wireless signal received through the short- And can recognize the OTID and the disposable code included in the radio signal.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to send the wireless signal to the merchant's wireless device 360, May be driven (or activated) by the user wireless terminal 400 and the powered (or activated) operating app 420 may determine whether to transmit or receive wireless signals to the merchant wireless device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit / receive a radio signal to / from the affiliated store-side wireless device 360 based on the interface screen, the operating app 420 transmits the wireless signal to the affiliated store-side wireless device 360 via the local wireless unit 410, The franchise point wireless device 360 may send a request signal requesting to send the designated wireless signal and the franchise point wireless device 360 may transmit a wireless signal including the OTID and the disposable code based on the request signal.

According to the embodiment of the present invention, the request signal may include an identifier for identifying the user wireless terminal 400 (or the operating app 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side wireless device 360 may transmit the wireless signal including the OTID and the disposable code and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the received wireless signal and recognizes the identifier, so that the received wireless signal is transmitted to the merchant wireless device It is possible to recognize that the radio signal is transmitted through the antenna 360.

Meanwhile, when the short range wireless unit 410 of the user wireless terminal 400 performs bidirectional short distance wireless communication with the affiliated dealer wireless device 360, the request signal includes the OTID and the disposable code In this case, the franchise point wireless device 360 may transmit a radio signal including the OTID and the disposable code according to the command.

The operating app 420 that has transmitted the request signal to the merchant wireless device 360 via the short range wireless unit 410 receives the request from the merchant wireless device 360 through the short range wireless unit 410, And the OTID and the disposable code included in the radio signal can be recognized by reading the digitized data of the received radio signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits a wireless signal designated by the merchant wireless device 360, (Or activated). The operating app 420 activated (or activated) by receiving the wireless signal can read the digitized data of the received wireless signal and recognize the OTID and the disposable code included in the wireless signal.

According to the fourth operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to at least partially combine at least two embodiments of the first through third operating app operating embodiments And can recognize the OTID and the disposable code included in the radio signal received through the short range wireless unit 410, and thus the present invention is not limited thereto.

When the OTID and the disposable code included in the wireless signal received from the affiliate shop-side wireless device 360 are recognized through at least one of the first to fourth operational app operation embodiments, the operating app 420 Configures the recognition information including the recognized OTID and the disposable code, and transmits the recognition information configured to the operation server 200 via at least one communication network connected to the user wireless terminal (400).

The operating server 200 receives the identification information including the OTID and the disposable code via the communication network designated from the operating app 420 of the at least one user wireless terminal 400.

The operating server 200 reads the OTID included in the received recognition information and reads the inherent code stored in the OTID. Preferably, the operation server 200 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID.

According to an embodiment of the present invention, the operation server 200 reads the code system of the unique code read from the OTID and confirms whether the unique code is a code for separately identifying a merchant having the specified wireless device 360 .

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the wireless device 360 through a unique code read from the OTID, Corresponding to the unique code read from the OTID among the affiliated stores having the wireless device 360 by confirming that the inherent code read from the OTID is a unique code that uniquely identifies the affiliated store with the wireless device 360. [ Can be identified and authenticated.

According to an embodiment of the present invention, the operation server 200 inquires of a storage medium that associates and stores merchant-related information with a unique code of a merchant having the wireless device 360 through a unique code read from the OTID It is possible to identify and authenticate any one of the franchisees having the wireless device 360 corresponding to the unique code read from the OTID by checking the franchise-related information corresponding to the unique code read from the OTID.

On the other hand, when the received identification information includes the disposable code and seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 determines whether the disposable code is associated with the affiliated merchant (Or a unique code read out from the OTID), and based on the seed information, identifies at least one fixed seed value and at least one dynamic seed value Time value and / or a value exchanged with the server side for authenticating the one-time code) to the designated code generation algorithm to generate a verification code of the specified code system, and compare the verification code with the one-time code included in the recognition information The validity of the disposable code can be verified. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used to identify an object identified through the OTID (e.g., a merchant with a wireless device 360 and / The transaction registration information that is uniquely identified for a certain period of time through OTID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

Meanwhile, when the merchant corresponding to the unique code read from the OTID among the merchants having the wireless device 360 is identified and authenticated (or the merchant corresponding to the unique code read from the OTID is identified and authenticated, and the validity of the disposable code The operation server 200 transmits the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant to a transaction registration information . According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the operation server 200 determines whether or not the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the OTID The transaction registration information is uniquely identified.

Meanwhile, according to the embodiment of the present invention, when the validity time of the OTID has not elapsed but transaction registration information uniquely identified through the OTID is not confirmed, the merchant terminal 300 The OTID may be transmitted first through the merchant wireless device 360 and recognized through the operating app 420 of the user wireless terminal 400 (but may be omitted if such an embodiment is excluded). In this case, the operation server 200 may wait for the transaction registration information uniquely identified for a certain time period to be registered from the merchant terminal 300 through the OTID for the validity time (or a designated timeout) of the OTID And the transaction registration information that is uniquely identified for a certain period of time can be confirmed through the OTID among the transaction registration information registered within the valid time (or the designated timeout). Alternatively, the operation server 200 may provide the merchant terminal 300 (or the user wireless terminal 400) with information requesting to register unique transaction identification information to be uniquely identified for a certain period of time through the OTID And receives identification information including the OTID again from the operating app 420 of the user wireless terminal 400 to identify and authenticate a franchisee having the wireless device 360, The process of confirming the transaction registration information can be performed again.

If any transaction registration information uniquely identified for a certain period of time is confirmed through the OTID among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is identified by the OTID, The server 200 checks the amount information of the transaction registration information and confirms / calculates the transaction amount to be reverse-paid through the user wireless terminal 400 based on the amount information.

According to the first transaction amount embodiment of the present invention, the operation server 200 can confirm the amount information of the confirmed transaction registration information as the transaction amount.

According to the second transaction amount embodiment of the present invention, the operation server 200 confirms discount information to be applied to the user wireless terminal 400 (or the operating app 420) that has transmitted the recognition information, (Or discount) the discount information to be applied to the user of the terminal 400 (or the operating app 420), subtracts (or discounts) the amount corresponding to the discount information from the amount information of the transaction registration information, Can be calculated.

According to the third transaction amount embodiment of the present invention, the user wireless terminal 400 (or the user of the wireless terminal 400) that has transmitted the recognition information transmits a part of the amount information of the confirmed transaction registration information And the remaining amount of money is paid through another user, the operation server 200 interworks with the operating app 420 of the user wireless terminal 400 to transmit the transaction information to the user wireless terminal 400, (Or the user of the wireless terminal 400) can confirm / calculate a certain amount of money to be paid, and confirm / determine the confirmed amount of money with the transaction amount.

According to the fourth transaction amount embodiment of the present invention, the transaction amount can be ascertained / calculated in the form of at least partially combining at least two embodiments among the first to third transaction amount embodiments, The invention is not limited.

When the transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated, the operation server 200 includes the confirmed / calculated transaction amount and generates at least one information included in the transaction registration information (For example, at least one of merchandise information, date information, merchant store registration information, merchant store information, and terminal information) and / or information on merchant stores registered in the operating server 200 Merchant information, and terminal information) of the transaction information. The operating server 200 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. On the other hand, the operation server 200 can store and manage transaction information with the OTID for a predetermined time, and if the transaction information has the same configuration information as the transaction registration information, the transaction server 200 does not separately manage OTID and transaction information It is acceptable.

The operating application 420 of the user wireless terminal 400 includes at least one information included in the transaction registration information and / or at least one information included in the transaction registration information including the transaction amount from the operation server 200 Receives the transaction information including the registered merchant-related information, and outputs the transaction information through the designated interface screen on the application screen.

The user who has confirmed the transaction information output through the designated interface screen of the operating app 420 can determine whether or not to process the transaction information based on the output amount information, To process the settlement of the transaction information.

When it is determined by the user to process the settlement of the transaction information, the operational application 420 of the user wireless terminal 400 determines whether to settle the transaction amount included in the transaction information based on the settlement processing decision of the transaction information (Or confirms the transaction information as payment information when the transaction information is directly used as payment information).

According to an embodiment of the present invention, it is preferable that the transaction information and the payment information include the same transaction amount, and the transaction information mainly includes information (e.g., product information, etc.) for confirming transaction details, It is preferable that the payment information includes information (for example, merchant information for payment processing, etc.) necessary for payment processing in the payment application 450.

The operating app 420 of the user wireless terminal 400 checks whether the payment application 450 designated to process the transaction information is installed in the user wireless terminal 400, (Or activates) the payment application 450 when the designated payment application 450 is installed or installed, if it is not yet installed, .

The operating application 420 of the user wireless terminal 400 activates (or activates) the payment application 450 and transmits payment information 450 for payment of the transaction amount to the payment application 450 that is activated (or activated) . Preferably, the operating app 420 may share the payment information with the payment app 450 in the form of a parameter of an instruction to activate (or activate) the payment app 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And the payment information can be shared and delivered to the activated (or activated) payment application 450 by performing the procedure.

The activated (or activated) payment application 450 receives the payment information from the operating app 420, outputs the payment information through a designated payment interface screen, The payment application 450 can process the payment information (= transaction amount) by performing the payment process on the terminal side. Preferably, the payment application 450 can transfer the payment information You can process the payment. To this end, the payment server 100 may perform a server-side payment procedure corresponding to a terminal-side payment procedure performed through the payment application 450.

According to the embodiment of the present invention, the payment application 450 registers the designated payment means in the payment server 100 (or the financial company server that issued the payment means), and transmits the payment information to the payment server 100 (For example, a procedure for inputting and authenticating a PIN) for processing a settlement, and the payment server 100 may perform a server-side settlement procedure associated with the terminal-side settlement procedure A procedure of extracting the payment means and approving the payment to the payment information, or a procedure of requesting payment approval to the financial company server).

According to an embodiment of the present invention, the payment means may include a real money payment means such as a credit card, a check card, a prepaid card, a cash card, a debit card, a money transfer, etc., Coins, and ideals, or an operator operating the operation server 200 or block chain-based cryptography issued by a financial institution operating the payment server 100), and the block An embodiment in which a payment is made using a chain-based encrypted money as a payment means will be described with reference to FIG.

The operation server 200 or the payment server 100 checks payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400, Or provide the confirmed settlement result information to the operation server 200, and the operation server 200 can provide the settlement result information to the merchant terminal 300.

2 is a functional block diagram of an operation server according to an embodiment of the present invention.

FIG. 2 illustrates a functional configuration for implementing the operational server 200 shown in FIG. 1. Referring to FIG. 2 and FIG. 3, / RTI > and / or < / RTI > may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG. For the sake of convenience, FIG. 2 illustrates an embodiment of an operation server 200 having a configuration for reverse payment, and an embodiment using the encrypted money as a payment means will be described with reference to FIG. 11 below.

The operation server 200 according to the embodiment of the present invention operates in cooperation with the operating app 420 installed in the user wireless terminal 400 and operates the merchant terminal 300 operated by the merchant having the wireless device 360, And is capable of communicating with the payment server 100 on the payment system in cooperation with the payment application 450 of the user wireless terminal 400. [

Referring to FIG. 2, the operation server 200 includes an agent store registration information for an affiliated store having a wireless device 360, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among terminal information or registering a unique code for separately identifying a merchant having the wireless device 360 and storing the unique code in association with the merchant- Respectively.

The merchant registration information for the merchant, the merchant information given to the merchant for settlement, the merchant information on the merchant-side terminal 300 (or a separate operating terminal) having the wireless device 360, , The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 300 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the wireless device 360 requests registration of a unique code that uniquely identifies the merchant, the information storage unit 205 stores It is possible to identify a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code identifying embodiments, May be processed in association with the merchant-related information and stored in a designated storage medium.

Meanwhile, when the one-time use code is generated and authenticated during the reverse payment of the merchant having the wireless device 360, the merchant terminal 300 transmits seed information related to the seed value for generating / authenticating the one- And the information storage unit 205 stores the seed value required for generating and authenticating the one-time use code with the merchant terminal 300 (or the merchant wireless device 360 via the merchant terminal 300) Exchanges / shares seed information for determination, and stores the exchanged / shared seed information in a designated storage medium. Preferably, the seed information may be stored in association with the unique code, and / or stored in association with the merchant-related information.

Referring to FIG. 2, the operation server 200 includes a transaction registration receiving unit 210 receiving transaction registration information including amount information from an affiliate shop terminal 300 operated by an affiliated store including the wireless device 360 ), A franchisee having the wireless device (360) separately from the franchisee-side terminal (300), and for uniquely identifying a specific transaction corresponding to the transaction registration information for at least a certain period of time, An OTID receiving unit 215 for receiving an OTID generated through the wireless device 360 separately provided in the wireless terminal 360, a transaction registration management unit 220 for storing the transaction registration information and the OTID in association with each other, And a registration result providing unit 225 for providing registration result information in which the transaction registration information and the OTID are registered in association with each other.

The merchant terminal 300 operating in the merchant having the wireless device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and configures the transaction registration information including the amount information, 200, the transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the merchant terminal 300.

According to an embodiment of the present invention, the transaction registration information includes the amount information, and may further include product information and / or date information according to the method of operation, or may further include at least one merchant related information. Meanwhile, the transaction registration information may further include a separately allocated unique code according to the embodiment, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code, etc.) included in the transaction registration information, (For example, merchant-related information and / or unique code) registered in the merchant terminal 300 and transmits the transaction registration information to the merchant operating the merchant terminal 300, .

The wireless device 360 provided in the merchant registering the transaction registration information (or the merchant operating the terminal registering the transaction registration information) uniquely identifies the merchant having the wireless device 360 separately, Creates an OTID that uniquely identifies a specific transaction corresponding to the registration information for at least a predetermined period of time, and transmits the generated OTID to the affiliated shop terminal 300. [ When the OTID receiver 215 transmits the OTID from the merchant terminal 300 to the operation server 200, the OTID receiver 215 receives the OTID from the merchant terminal 300.

When the transaction registration information is received through the transaction registration receiving unit 210 and the OTID is received through the OTID receiving unit 215, the transaction registration managing unit 220 receives the transaction received through the transaction registration receiving unit 210 (Or at least a part of the transaction registration information including the amount information) and the OTID received through the OTID receiving unit 215, and stores the OTID in a designated storage medium. Preferably, the OTID includes a validity period that is valid for a predetermined time, and the transaction registration management unit 220 stores and manages the OTID in a storage medium designated to hold the OTID for the valid time of the OTID .

The registration result providing unit 225 constitutes registration result information including the registration result in which the transaction registration information is linked with the OTID, and registers the registration result information in the member terminal 300, which registers the transaction registration information and the OTID, And the merchant terminal 300 receives the registration result information. Preferably, the registration result information may include an OTID associated with the transaction registration information.

The merchant terminal 300 receiving the registration result information transmits the wireless signal including the OTID through the merchant point wireless device 360 associated with the merchant terminal 300 within the valid time of the OTID And the franchise point wireless device 360 may transmit the disposable code generated by the merchant terminal 300 through at least one of the first to third disposable code generation embodiments of the present invention in addition to the OTID, Or one or more disposable codes generated through the wireless device 360. The wireless device 360 may also transmit a wireless signal including at least one disposable code. Hereinafter, features of the present invention will be described, focusing on an embodiment in which the wireless device 360 transmits a radio signal including the OTID and the disposable code for convenience.

The wireless signal transmitted through the merchant-side wireless device 360 is received by the user wireless terminal 400 through at least one of the first through fourth operational application embodiments of the present invention, ). ≪ / RTI > Preferably, the wireless signal transmitted through the merchant-side wireless device 360 may be received by one or more wireless terminals existing within a certain distance of the wireless device 360, The user wireless terminal 400 executing the operating app 420 can read the received wireless signal through the operating app 420 and recognize the OTID and the disposable code included in the wireless signal. When the operating application 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the wireless device 360 to send the wireless signal to the nearby wireless device 360 If the wireless device 360 transmits a wireless signal including the OTID and the disposable code on the basis of the request signal, the operating app 420 of the user wireless terminal 400 transmits the OTID and the disposable code, The OTID and the disposable code can be recognized by reading the radio signal received from the radio terminal 360. Meanwhile, the wireless device 360 may control the signal strength so that the wireless signal can effectively reach a predetermined distance or less, and transmit the signal to the user wireless terminal 400, which receives the wireless signal, 420 is installed, the operating app 420 of the user wireless terminal 400 can be driven (or activated) by receiving the wireless signal to recognize the OTID and the disposable code included in the wireless signal.

The operating app 420 of the user wireless terminal 400 can read the wireless signal and transmit the recognition information including the OTID and the disposable code to the operation server 200 specified within the effective time of the recognized OTID.

Referring to FIG. 2, the operation server 200 receives the radio signal transmitted from the franchise point wireless device 360 provided at the franchisee within the valid time of the OTID, A recognition information receiving unit (230) for receiving the identification information including the recognized OTID by reading the radio signal from the designated operating application (420), and a controller for reading the received OTID and transmitting the franchisee visited by the user to the radio device An identification / authentication processing unit (235) for identifying and authenticating the merchant with the merchant terminal (300) which is identified by the OTID among the transaction registration information registered through the merchant terminal (300) And a transaction amount corresponding to the amount information of the transaction registration information to the operating app 420 of the user wireless terminal 400 at the time of confirming the transaction registration information And a transaction information providing unit 245 for providing transaction information. The transaction information providing unit 245 checks the payment result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, and processes the settlement result information as payment result of the registered transaction registration information And a result processing unit 250.

When the operating app 420 of the user wireless terminal 400 reads the wireless signal and constructs and transmits recognition information including the recognized OTID and the disposable code, the recognition information receiving unit 230 receives the wireless signal from the user wireless terminal 400 receives the identification information including the OTID and the disposable code.

The identification / authentication processing unit 235 reads the OTID included in the recognition information and reads the inherent code concealed in the OTID. The identification / authentication processing unit 235 may read the OTID through the decoding rule corresponding to the encoding rule for generating the OTID and read the unique code concealed in the OTID. For example, when the OTID is generated through at least one embodiment of the first to sixth OTID generation embodiments of the present invention, the identification / authentication processing unit 235 performs the identification of the first to sixth OTID generation examples The OTID may be read according to a decoding rule corresponding to at least one of the OTIDs, and the inherent code hidden in the OTID may be read.

According to the embodiment of the present invention, the identification / authentication processing unit 235 reads out the code system of the unique code read from the OTID and separately codes the merchant having the unique code designated wireless device 360 .

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the OTID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read from the OTID to confirm whether the inherent code read from the OTID actually is a unique code that uniquely identifies a franchisee having the wireless device 360, 360, and identifies the franchisee corresponding to the unique code read out from the OTID and that the wireless device 360 is provided at the identified franchisee.

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the OTID and stores the unique code registered through the information storage unit 205 and the merchant- (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the OTID, and confirms the merchant-related information corresponding to the unique code read from the OTID , It is possible to identify a franchisee corresponding to a unique code read out from the OTID among the franchisees having the wireless device 360 and to certify that the wireless device 360 is provided at the identified franchisee.

Meanwhile, when the identification information received through the recognition information receiving unit 230 includes the disposable code and seed information for authenticating the disposable code to the operation server 200, the identification / authentication processor 235 (Or a unique code read out from the OTID) corresponding to the affiliated merchant that is identified and authenticated, and based on the seed information, generates at least one fixed seed value and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used to identify an object identified through the OTID (e.g., a merchant with a wireless device 360 and / The transaction registration information that is uniquely identified for a certain period of time through OTID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

(Or a unique code read from the OTID) corresponding to the OTID is identified and authenticated among the franchisees having the wireless device 360 (or the franchisee corresponding to the unique code read from the OTID) The transaction registration confirmation unit 240 determines whether the one-off code is valid or not at the same time as the transaction registration information registered through the merchant terminal 300 of the identified and authenticated merchant And identifies any transaction registration information uniquely identified through the OTID.

According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the transaction registration confirmation unit 240 identifies the transaction registration information from the transaction-terminal-side terminal 300 operated by the merchant- It is possible to identify a transaction registration information that is unique and unique during the transaction.

Meanwhile, according to the embodiment of the present invention, when the validity time of the OTID has not elapsed but transaction registration information uniquely identified through the OTID is not confirmed, the merchant terminal 300 The transaction registration confirmation unit 240 may receive the OTID through the wireless device 360 of the merchant point and recognize it through the operating app 420 of the user wireless terminal 400. In this case, (Or a designated timeout) from the merchant terminal 300 via the OTID and register the transaction registration information uniquely identified for a predetermined time period within the validity time (or the designated timeout) It is possible to confirm transaction registration information that is uniquely identified for a certain period of time through the OTID among the transaction registration information. Alternatively, the transaction registration confirmation unit 240 may provide information requesting the merchant terminal 300 (or the user wireless terminal 400) to register transaction registration information to be uniquely identified for a certain period of time through the OTID And then receives the identification information including the OTID again from the operating app 420 of the user wireless terminal 400 to identify and authenticate the merchant having the wireless device 360, The process of confirming the transaction registration information to be identified can be performed again.

If any transaction registration information that is uniquely identified for a predetermined period of time is confirmed through the OTID among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is identified by the OTID, The information providing unit 245 confirms the amount information of the confirmed transaction registration information and confirms / calculates the transaction amount to be reversed through the user wireless terminal 400 based on the amount information. Preferably, the transaction information providing unit 245 can confirm / calculate a transaction amount to be reversed through at least one embodiment among the first through fourth transaction amount embodiments of the present invention.

The transaction information providing unit 245 may include at least one piece of information included in the transaction registration information (for example, a product ID, a transaction ID, (For example, at least one of information, time information, merchant registration information, merchant information, and terminal information) and / or information on merchant stores registered through the information storage unit 205 , And terminal information) included in the transaction information. The transaction information providing unit 245 transmits the configured transaction information to the operating application 420 of the user wireless terminal 400. Meanwhile, the transaction information providing unit 245 can store and manage the OTID and the transaction information for a predetermined period of time.

The operating application 420 of the user wireless terminal 400 receives the transaction information including the transaction amount, outputs the transaction information through the designated interface screen on the application screen, . When the transaction information is determined to be a payment transaction, the operating application 420 forms payment information for payment of a transaction amount included in the transaction information (or, if the transaction information is used as payment information, Information). The operation application 420 checks whether the payment application 450 designated to process payment of the transaction information is installed in the user wireless terminal 400. If the payment application 450 is not installed, (Or activating) the payment application 450 while the designated payment application 450 is installed or installed, while driving (or activating) the payment application 450, The payment information for settlement of the transaction amount is shared. Preferably, the operating app 420 may share the payment information with the payment app 450 in the form of a parameter of an instruction to activate (or activate) the payment app 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And the payment information can be shared and delivered to the activated (or activated) payment application 450 by performing the procedure.

The payment application 450 activated (or activated) by the user wireless terminal 400 receives and receives the payment information from the operating application 420, outputs the payment information through the designated payment interface screen, The settlement server 100 can process payment for the settlement information (= transaction amount) by performing a terminal-side settlement procedure provided in the app 450, The server side settlement procedure corresponding to the settlement procedure can be performed.

The payment server 100 checks payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400 and / The settlement result processing unit 250 may receive the settlement result information from the settlement server 100 and may provide the settlement result information to the operation server 200, Side terminal 300 to provide the settlement result information. Meanwhile, the payment result processing unit 250 can receive the payment result information from the payment application 450 (or the operating application 420) of the user wireless terminal 400 according to the embodiment, Or more.

FIG. 3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a franchise-point-side terminal 300 operated by a franchisee having a wireless device 360 and a wireless device 360 provided at the franchisee. It is possible to refer to and / or modify the FIG. 3 to various methods of functional configuration of the merchant-side terminal 300 and the wireless device 360 (e.g., It is to be understood that the invention is not limited to the particular embodiments illustrated and described herein, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

3, the merchant terminal 300 includes a terminal control unit 302, a terminal memory 314, an output processing unit 304, an input processing unit 306, a media interlocking unit 308, An interface unit 310, and a communication processing unit 312, and has a power supply unit (not shown) for power supply.

The terminal control unit 302 is a generic term for controlling the operation of the affiliate shop terminal 300. The terminal control unit 302 includes at least one processor and an execution memory, (BUS). According to the present invention, the terminal control unit 302 loads at least one program code included in the terminal 300 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the terminal 300. FIG. Hereinafter, the functional configuration of the merchant application 320 implemented in the form of program code will be described in the terminal control unit 302 for convenience.

When the merchant terminal 300 is a merchant terminal provided at an affiliated store for a designated payment (for example, forward payment) according to an embodiment of the present invention, the merchant terminal may include a merchant payment unit (315), and the present invention is not limited thereto.

The terminal memory 314 is a general term of a nonvolatile memory included in the terminal, and stores at least one program code executed through the terminal control unit 302 and at least one data set used by the program code, do. The terminal memory 314 basically comprises a system program code and a system data set corresponding to the operating system of the terminal 300, a communication program code and a communication data set for processing a wireless communication connection of the terminal 300, An application program code and an application data set, and the program code and data set corresponding to the program of the present invention are also stored in the terminal memory 314.

The output processing unit 304 includes a screen output device (e.g., a liquid crystal display (LCD) or the like) and a driving module for driving the output outputting unit 304. The output processing unit 304 is connected to the terminal control unit 302, And outputs an operation result corresponding to the screen output through the screen output device.

The input processing unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen interlocked with the output processing unit 304) and a driving module for driving the input unit. Or inputs data necessary for the operation of the terminal control unit 302. The terminal control unit 302 is connected to the terminal control unit 302 via a network.

The media interlocking unit 308 is a collective term for a component that interlocks with a media designated for payment (e.g., forward payment) through the merchant payment unit 315. [ For example, the media interlocking unit 308 may include a card reader unit for reading card information for card settlement to be processed through the merchant payment unit 315 from a card of a customer who visited the merchant. Alternatively, the media interworking unit 308 may include an NFC function unit for reading media information for payment to be processed through the merchant payment unit 315 from the NFC medium owned by the customer. In other words, the media interlocking unit 308 may be any unit provided for interlocking with the media required for settlement processing through the merchant payment unit 315, and is not limited by a specific medium or an interlocking system .

The interface unit 310 is connected to the affiliated store-side wireless device 360 provided at the affiliated store with at least one specified local area communication (e.g., at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication, etc.). Preferably, the franchise-point-side terminal 300 may interwork with the wireless device 360 provided at the franchisee through the interface unit 310.

The communication processing unit 312 is a collective term for the franchise point side terminal 300 to connect to the designated communication network and connects the franchise point side terminal 300 to a designated wired communication network and / To a designated wireless communication network.

The merchant terminal 300 installs a designated merchant's app 320 for reverse payment according to the present invention and the merchant's app 320 is installed in a separate app installed on the merchant's terminal 300 Or may be realized through an application corresponding to the merchant payment unit 315. The merchant application 320 may be implemented in the form of an interlocking app that operates in conjunction with the merchant payment unit 315, The present invention is not limited thereto.

Referring to FIG. 3, the merchant application 320 of the merchant point-side terminal 300 registers at least one merchant-related information in the designated operating server 200, or stores an affiliate shop having the wireless device 360 And an information registration unit 325 for registering a unique code which is separately distinguished.

The information registering unit 325 registers at least one of the merchant registration information for the merchant having the wireless device 360, the merchant information given to the merchant for settlement, and the terminal information provided at the merchant terminal 300, Related information to the operation server 200 by requesting the operation server 200 to input the information related to the franchise to the operation server 200 and transmitting the input / May store the merchant-related information in a designated storage medium.

Meanwhile, the information registering unit 325 may request registration of a unique code that uniquely identifies a franchisee having the wireless device 360, to the designated operation server 200. In this case, Identifying the unique code corresponding to at least one of the first through fourth eighth embodiments of the present invention according to at least one of the first through sixth eighth embodiments of the present invention, The code may be processed in association with the merchant-related information and stored in a designated storage medium.

On the other hand, when generating the one-time code including the code value of the designated code system in the merchant terminal 300, the information registering unit 325 registers the seed information for generating / authenticating the disposable code with the designated operation server 200 (E.g., a rule for determining a fixed seed value and / or a seed value), and may exchange the exchanged / shared seed information with a designated storage area (or storage area) of the merchant terminal 300 A designated storage area of the merchant's wireless device 360).

Referring to FIG. 3, the merchant application 320 of the merchant terminal 300 inputs / confirms the amount information for the reverse payment and transmits the transaction registration information including the amount information to the designated operation server 200 An OTID confirmation unit 335 for confirming the OTID generated through the wireless device 360 separately provided to the merchant, and an OTID confirmation unit 335 for confirming the confirmed OTID to the designated operation server 200 And a registration result confirming unit for confirming a registration result in which the transaction registration information and the OTID are registered in association with the operation server 200. The merchant identified through the OTID (360)) and a code generation unit (345) for generating a one-time code including a code value of a code system designated for authenticating the validity of the transaction registration information identified over a certain period of time through the OTID do.

The transaction registration unit 330 receives the amount information for reverse payment or confirms it according to a designated procedure, and constructs transaction registration information including the amount information to transfer it to the operation server 200 to request registration. The operation server 200 may receive the transaction registration information including the amount information and store the received transaction registration information in a designated storage medium.

The OTID confirmation unit 335 transmits the transaction registration information to the operation server 200 at a predetermined time point before, during, after, and after the transaction registration unit 330 transmits the transaction registration information to the operation server 200. [ ) To identify a franchisee having the wireless device 360 separately according to at least one embodiment of the first to sixth OTID generation embodiments of the present invention, and to perform a specific transaction corresponding to the transaction registration information Identify the OTID that was generated to uniquely identify it at least for a certain period of time.

According to the embodiment of the present invention, the OTID confirmation unit 335 requests the OTID to the wireless device 360 interworking through the interface unit 310, and then transmits the OTID generated and provided by the wireless device 360 . Alternatively, the OTID confirmation unit 335 can read an event generated through the interface unit 310 and confirm the OTID generated and provided by the wireless device 360. [

When the OTID generated through the merchant-side wireless device 360 is confirmed through the OTID confirmation unit 335, the OTID registration unit 340 transmits the generated OTID to the designated operation server 200 and requests registration . The operation server 200 may store the transaction registration information and the OTID in association with each other, and may provide the registration result information including the registration result in which the OTID and the transaction registration information are linked and registered with the merchant terminal 300, The transaction registration unit 330 (or the OTID registration unit 340) receives the registration result information from the operation server 200.

The code generation unit 345 includes a code value of a code system designated for authenticating the validity of the registered transaction registration information with an affiliated shop (= a merchant having a designated radio device 360) uniquely identified through the OTID You can create a one-off code to do this. Preferably, the code generator 345 may generate the disposable code through at least one of the first to third disposable code generation embodiments of the present invention.

Referring to FIG. 3, a merchant application 320 of the merchant terminal 300 receives a radio signal including the OTID from a merchant point wireless device 360 connected to the interface unit 310, And a signal transmission processing unit 350 for processing the signal to be transmitted to the base station.

The signal transmission processing unit 350 confirms the OTID received through the OTID receiving unit 215 and transmits the OTID to the merchant point wireless device 360 connected through the interface unit 310 within the valid time of the OTID So that the wireless signal including the OTID can be transmitted through the wireless device 360 in a short distance. Meanwhile, when the disposable code is generated through the code generation unit 345, the signal transmission processing unit 350 transmits the OTID received through the OTID receiving unit 215 and the generated disposable code to the interface unit 310, To the merchant-side wireless device 360 through the wireless device 360, so that the wireless signal including the OTID and the disposable code can be transmitted through the wireless device 360 in a short distance. Meanwhile, the disposable code may be generated through the wireless device 360 and included in the wireless signal according to an embodiment.

Referring to FIG. 3, the merchant point wireless device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and a wireless signal unit 368.

The device control unit 362 is a collective term for controlling the operation of the affiliate shop-side wireless device 360. The device control unit 362 includes at least one processor and an execution memory, And the bus (BUS). According to the present invention, the device control unit 362 loads at least one program code included in the wireless device 360 through the processor and loads the program code into the execution memory, and outputs the result through at least one And controls the operation of the wireless device 360. FIG. Hereinafter, the functional configuration of the present invention implemented in the form of a control circuit, an integrated circuit, and a program code in the wireless device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a generic term for a non-volatile memory included in the wireless device 360 and includes at least one program code executed via the device control 362 and at least one data set And stores it. The device memory 366 basically comprises a system program code and a system data set corresponding to the operating system of the wireless device 360, a communication program code and communication data set for processing a wireless communication connection of the wireless device 360, One application code and one application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the device memory 366.

The terminal interlocking unit 364 is connected to the affiliated shop terminal 300 provided at the affiliated store with at least one specified local area communication (for example, at least one of Bluetooth, WiFi, NFC, and RF communication or USB, RS232, Wired communication, etc.). The franchise point wireless device 360 may interwork with the franchise point-side terminal 300 provided at the franchisee through the terminal interlocking unit 364.

The wireless signal unit 368 is a collective term for transmitting (or broadcasting) a wireless signal of a specified wireless signal standard that can be received through the short range wireless unit 410 provided in the user wireless terminal 400, And a function of receiving a designated radio signal in addition to the function of transmitting (or broadcasting). The wireless signal unit 368 modulates the information set generated through the device control unit 362 into a wireless signal of a designated wireless signal standard and transmits the wireless signal to the wireless signal unit 368 at a predetermined signal intensity (for example, Signal strength, etc.) through an antenna (not shown). Alternatively, the radio signal unit 368 may receive the radio signal of the specified radio signal standard and transmit the acquired data to the device control unit 362. The device control unit 362 may process the information corresponding to the data Procedure can be performed.

According to the method of the present invention, the wireless signal unit 368 can transmit a Bluetooth-based asynchronous wireless signal (for example, a wireless signal broadcasted without specifying the receiving side (or without pairing) in the specification after the Bluetooth 4.0) have. Or the wireless signal unit 368 may transmit a Wi-Fi based asynchronous wireless signal. Alternatively, the wireless signal unit 368 may transmit a wireless signal of a NFC (Near Field Communication) standard. In this case, the wireless device 360 may operate in any one of a reader / writer mode, a tag mode, have. Alternatively, the wireless signal unit 368 can transmit a radio signal of a RFID standard. That is, the radio signal unit 368 is a component that receives (or broadcasts) a recognizable radio signal through a radio signal-related component provided in a user wireless terminal 400 located at a nearby location, The present invention should not be construed as limiting the scope of the present invention to the components for transmitting radio signals of a specific radio signal standard.

Referring to FIG. 3, the merchant-side wireless device 360 separately identifies a merchant having the wireless device 360, and at the same time, a specific transaction corresponding to the transaction registration information is uniquely identified And an OTID provider 375 for providing the generated OTID to the franchise-point-side terminal 300. The OTID generator 370 generates an OTID to identify the OTID.

The OTID generator 370 may generate an OTID based on a request (or command) received from the merchant terminal 300. Alternatively, the OTID generator 370 may generate the OTID based on an input operation using an operation unit (not shown) provided in the wireless device 360. [ Alternatively, the OTID generator 370 may periodically generate the OTID.

According to an embodiment of the present invention, the OTID generator 370 may separately identify a franchisee having the wireless device 360 according to at least one embodiment of the first to sixth OTID generation embodiments of the present invention, And generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined time period. Preferably, the OTID may be generated in a disposable manner to hide the designated unique code so that it can be read only through a predetermined specific device / server, and at the same time to have a different code value for each transaction corresponding to the transaction registration information.

According to the embodiment of the present invention, the OTID generation unit 370 identifies a unique code that uniquely identifies a franchisee having the wireless device 360 separately, and reads the unique code only through a specified specific device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. Preferably, the OTID generator 370 may generate a disposable OTID hidden from the unique code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only uniqueness that identifies a particular object, identification that identifies a particular object, one-off that identifies a particular transaction for a period of time, etc., as well as multiple identities that simultaneously identify a particular transaction with a merchant with the wireless device 360, .

Meanwhile, according to another embodiment of the present invention, the OTID generator 370 determines a temporary unique code that is not duplicated for a predetermined period of time without using the unique code, and transmits the temporary unique code to the wireless device 360 ), And at the same time, an OTID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time can be generated, so that the present invention is not limited thereto .

The OTID providing unit 375 provides the OTID generated through the OTID generating unit 370 to the merchant terminal 300 through the terminal interlocking unit 364 and the OTID of the merchant terminal 300 The confirmation unit 335 may receive the OTID generated through the OTID generation unit 370 of the wireless device 360 through the interface unit 310. [

The merchant terminal 300 may transmit the radio signal including the OTID through the radio device 360 after transmitting the OTID to the designated operating server 200 and registering the OTID.

Referring to FIG. 3, the merchant-side wireless device 360 includes an information checking unit 380 for checking an OTID to be transmitted through a radio signal of a designated radio signal standard, And a signal transmission unit 390 for transmitting a radio signal including the transmission information configured through the radio signal unit 368. [

The information verifying unit 380 checks the OTID to be transmitted through the wireless signal in cooperation with the merchant-side terminal 300 through the terminal interlocking unit 364. Alternatively, the information verifying unit 380 may confirm the OTID generated through the OTID generating unit 370 and transmitted to the merchant terminal 300 through the OTID provider 375 to the OTID .

Meanwhile, the information verifying unit 380 checks the disposable code to be transmitted through the wireless signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364, or transmits the disposable code through the wireless signal You can generate one-off codes to do.

The information constructing unit 385 constructs transmission information including the identified OTID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ When the disposable code is confirmed / created through the information verifying unit 380, the information configuring unit 385 transmits the determined OTID to the designated information structure readable by the operating app 420 of the user wireless terminal 400, And dispatch information including a disposable code. Hereinafter, characteristics of the present invention will be described focusing on an embodiment in which OTID and disposable code are included in the transmission information.

When the transmission information including the OTID and the disposable code is configured through the information configuration unit 385, the signal transmission unit 390 transmits the designated radio signal standard including the transmission information through the radio signal unit 368 (E.g., a signal strength that can be received through the wireless terminal 400 within a specified distance), and the wireless signal unit 368 is configured to transmit the wireless signal of the wireless signal to the signal transmitting unit 390 Transmits the radio signal of the specified radio signal standard including the transmission information provided by the radio base station.

Meanwhile, according to one embodiment of the present invention, the operating application 420 executed in the user wireless terminal 400 can transmit a request signal for requesting the wireless signal, and the wireless signal unit 368 transmits the request And provides the obtained data to the device control unit 362. The device control unit 362 controls to check the OTID and the disposable code through the information checking unit 380 according to the request signal , And / or controls to configure the transmission information including the OTID and the disposable code via the information configuration unit 385, and / or controls the transmission of the radio signal including the transmission information via the signal transmission unit 390 So that the radio signal corresponding to the request signal is transmitted, so that the present invention is not limited thereto.

FIG. 4 is a diagram illustrating an application-related function configuration of a user wireless terminal according to an embodiment of the present invention.

4 shows a functional configuration of the operating app 420 and the payment app 450 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional description of the present invention Those skilled in the art will be able to refer to and / or modify the FIG. 4 to derive various implementations of the functionality of the wireless terminal 400, but the present invention includes all of the above- And the technical features thereof are not limited only by the method shown in FIG. Preferably, the wireless terminal 400 of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

4, the wireless terminal 400 includes a control unit 402, a memory unit 418, a screen output unit 404, a user input unit 406, a sound processing unit 408, a short range wireless unit 410, A short-range network communication unit 412, a wireless network communication unit 414, a USIM reader unit 416, and a USIM, and has a battery for power supply.

The control unit 402 is a general term for controlling the operation of the wireless terminal 400. The control unit 402 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 402 loads at least one program code included in the wireless terminal 400 through the processor and performs the calculation by loading at least one program code in the execution memory, And controls the operation of the wireless terminal 400. FIG. Hereinafter, the functional configuration of the operating app 420 and the payment app 450 implemented in the form of program code will be described in the control unit 402 for convenience.

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one Save and maintain the dataset. The memory unit 418 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 400, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 400, One application program code and application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 418.

The screen output unit 404 includes a screen output unit (e.g., a liquid crystal display (LCD) or the like) and a driving module for driving the screen output unit 404. The screen output unit 404 interlocks with the control unit 402, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 406 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen or the like linked with the screen output unit 404), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 402 or data necessary for the operation of the control unit 402. [

The sound processing unit 408 includes a speaker, a microphone, and a drive module for driving the sound processor 408. The sound processing unit 408 decodes the sound data corresponding to the sound output from the various calculation results of the control unit and outputs the sound data through the speaker, And encodes the sound signal input through the microphone and transmits the encoded sound signal to the controller 402.

The short range wireless unit 410 receives a radio signal transmitted (or broadcast) in accordance with a radio signal standard specified in a short distance within a predetermined distance from the constituent units provided in the wireless terminal 400, , And preferably includes a function of receiving a radio signal transmitted according to a radio signal standard designated by the affiliate shop-side radio device 360.

According to an embodiment of the present invention, the short range wireless unit 410 may receive a Bluetooth-based asynchronous wireless signal (for example, a Bluetooth signal that is broadcasted without specifying a receiver side Section. In this case, in addition to the function of receiving the Bluetooth-based asynchronous radio signal, the Bluetooth unit may provide a function of transmitting a Bluetooth-based asynchronous radio signal or a function of performing a Bluetooth-based two-way radio communication, Or more. If the local area network communication unit 412 operates based on the Bluetooth communication, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

According to an embodiment of the present invention, the short range wireless unit 410 may include a Wi-Fi unit for transmitting a Wi-Fi based asynchronous wireless signal. In this case, the Wi-Fi unit may provide a Wi-Fi based asynchronous wireless signal transmission function or a Wi-Fi based bidirectional wireless communication function in addition to the function of receiving the Wi-Fi based asynchronous wireless signal. Or more. Meanwhile, when the local area network communication unit 412 operates based on Wi-Fi, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

According to an embodiment of the present invention, the short range wireless unit 410 may include an NFC unit that transmits and receives a wireless signal of a NFC (Near Field Communication) standard. In this case, the NFC unit may operate in any one of a reader / writer mode, a tag mode, and a passive mode.

According to an embodiment of the present invention, the short range wireless unit 410 may include a reader unit for transmitting a radio signal of a RFID standard. In this case, the wireless device 360 may operate as a tag. In other words, the short range wireless unit 410 can be any component that can effectively receive the wireless signal transmitted from the affiliate shop-side wireless device 360, and the wireless communication unit 410 belongs to the right scope of the present invention. The present invention is not limited to receiving components.

The wireless network communication unit 414 and the local area network communication unit 412 are collectively referred to as communication resources for connecting the wireless terminal 400 to a designated communication network. Preferably, the wireless terminal 400 may include a wireless network communication unit 414 as a basic communication resource, and may include one or more short-range network communication units 412.

The wireless network communication unit 414 is a general term of communication resources for connecting the wireless terminal 400 to a wireless communication network via a base station and includes an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, Processing module, and is connected to the controller 402 to transmit the operation result corresponding to the wireless communication among the various operation results of the controller 402 through the wireless communication network or receive data through the wireless communication network To the control unit 402, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 414 can connect the wireless terminal 400 to a communication network including a communication channel and a data channel via an exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 414 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of the person skilled in the art, the wireless network communication unit 414 may further comprise a portable internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 414. [ That is, the wireless network communication unit 414 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 412 collectively refers to a communication resource that connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connects the wireless terminal 400 to the communication network based on the communication session. , The wireless terminal 400 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the embodiment of the present invention, the short-range network communication unit 412 may be integrated with or separated from the wireless network communication unit 414. According to the present invention, the short-range network communication unit 412 connects the wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the mobile station 400 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 416, a program code for at least one IC chip (Or processing) the program code for the IC chip or extracts (or processes) the data set in accordance with at least one command transmitted from the wireless terminal 400 in connection with the input / output interface To the input / output interface.

The control unit of the wireless terminal 400 downloads and installs the designated operating application 420 and the payment application 450 from a designated application providing server (for example, Apple's App Store, etc.) through a data network accessible through the communication resource .

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for checking a wireless signal received from the affiliate point wireless device 360 via the short range wireless unit 410, A signal recognition unit 430 for recognizing an OTID included in a radio signal received from the franchise point wireless device 360, and a recognition server 430 for configuring recognition information including an OTID recognized through the wireless signal, 200), and an OTID from the operating server (200) to identify a franchisee visited by the user as a franchisee having the wireless device (360) When the transaction server 200 confirms any transaction registration information uniquely identified through the OTID among the transaction registration information registered through the merchant terminal 300, the transaction server 200 receives a transaction amount corresponding to the amount information of the transaction registration information Include It is provided with a transaction processing section 445 for processing so that the transaction information receiving unit 440 for receiving the transaction information, using the transaction information transaction process is performed. ,

The signal confirming unit 425 receives the radio signal transmitted from the affiliate shop wireless device 360 via the short range wireless unit 410 through at least one of the first to fourth operational app operation embodiments of the present invention. Is received. If the wireless signal transmitted from the merchant wireless device 360 is received, the signal recognizer 430 reads the data corresponding to the wireless signal confirmed through the signal checker 425, Lt; RTI ID = 0.0 > OTID < / RTI > Meanwhile, when the wireless signal includes the one-time code, the signal recognizer 430 reads the data corresponding to the wireless signal and recognizes the OTID and the disposable code included in the wireless signal. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which OTID and disposable codes are included in the radio signal, but the present invention is not limited thereto.

When the OTID and the one-time code included in the radio signal are recognized through the signal recognition unit 430, the recognition information transmission unit 435 constructs recognition information including OTID and disposable code recognized through the wireless signal And transmits the configured identification information to the designated operation server 200 via the communication network connected through the communication unit of the local area network communication unit and the wireless network communication unit 414. [

The operating server 200 receives the identification information including the OTID and the disposable code from the operating app 420 of the user wireless terminal 400 and reads the OTID included in the identification information to determine whether the OTID It is possible to identify and authenticate any one of the franchisees having the wireless device 360 corresponding to the read unique code by reading the unique code and using the read unique code.

On the other hand, when seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 generates a verification code of a designated code system through the seed information corresponding to the identified and authenticated merchant , The validity of the disposable code can be verified by comparing the disposable code of the identification information with the verification code.

When the merchant corresponding to the read unique code is identified and authenticated (or when the validity of the disposable code is authenticated at the same time that the merchant corresponding to the read unique code is identified and authenticated), the operation server 200 transmits the identification authentication Of the transaction registration information registered from the merchant terminal 300 operated by the affiliated merchant, the transaction registration information being uniquely identified for a certain period of time through the OTID, and the first to fourth transaction amounts of the present invention For example, based on the amount information of the transaction registration information, and further includes at least one information included in the transaction registration information according to the method of operation and / And transmits the transaction information to the operating app 420 of the user wireless terminal 400. The transaction information receiving unit 440 receives the transaction information including the transaction amount corresponding to the amount information of the transaction registration information from the operation server 200 and outputs the transaction information through the designated interface screen on the application screen .

The transaction processor 445 confirms that the settlement of the transaction information is determined to be processed through the interface screen. If it is determined to process the settlement of the transaction information, the transaction processor 445 processes the transaction procedure using the transaction information. According to the embodiment of the present invention, the transaction procedure using the transaction information is performed through a designated separate payment application 450. To this end, the transaction processing unit 445 transmits the payment application 450 (Or activating) the payment app 450 installed in the wireless terminal 400, and may execute a procedure for activating (or activating) the payment app 450 installed in the wireless terminal 400, (Or activates (or activates) the payment application 450 after configuring the payment information for payment of the amount (or, if the transaction information is used as payment information, the transaction information as payment information) ) The settlement application 450 may process the settlement information to be shared.

4, the payment application 450 of the wireless terminal 400 is operated (or activated) in the wireless terminal 400 and at the same time is checked whether it is driven (or activated) through the designated operating application 420 A payment information checking unit 460 (380) for checking the payment information shared and shared for payment of the transaction amount from the operating app 420, and a payment server 100 And a settlement processing unit 465 for performing a settlement procedure for the settlement information.

The state checking unit 455 controls the operation of the payment application 450 in the wireless terminal 400 while the payment application 450 is activated (or activated) through the designated operation application 420, (Or activated) according to the conventional driving (or activation) procedure. Preferably, when the payment application 450 is activated (or activated) through the operating app 420, information and / or parameters specified from the operating app 420 may be shared, 455 may read the transferred information and / or parameters and confirm that they are driven (or activated) through the operating app 420.

When the payment application 450 is activated (or activated), the payment information verification unit 460 (380) checks the payment information shared and delivered from the operational application 420. The payment information verification unit 460 or 380 reads the parameter transmitted from the operating application 420 to activate (or activate) the payment application 450 and transmits the parameter to the operating application 420, Or receive payment information from the operating application 420 through the interprocess communication protocol provided by the operating system of the wireless terminal 400. [

When the payment information shared and delivered from the operational application 420 is confirmed, the payment information verification unit 460 (380) displays the confirmed payment information through the designated payment interface screen.

The settlement processing unit 465 may process settlement for the settlement information (= transaction amount) by performing a terminal-side settlement procedure included in the settlement app 450. Preferably, the settlement processing unit 465 The settlement server 100 can process the settlement of the settlement information in cooperation with the settlement server 100 on the settlement system. To this end, the payment server 100 may perform a server-side payment procedure corresponding to a terminal-side payment procedure performed through the payment application 450.

The payment server 100 checks payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400 and / And the payment processor 465 may receive the payment result information from the payment server 100 and output the payment result information.

FIG. 5 is a diagram illustrating an information registration process according to an embodiment of the present invention.

More specifically, FIG. 5 shows an embodiment of an information registration process for reverse payment using a wireless device 360 provided at an affiliate shop. It should be understood by those skilled in the art that, It is possible to refer to and / or modify FIG. 5 to derive various implementations of the information registration process (e.g., omitting some steps or changing the order), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

5, an affiliate shop terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal stores merchant registration information for the affiliated store to the designated operation server 200, (500), the operation server (200) requests registration of at least one merchant-related information among the merchant information provided from the merchant-side terminal (300) The merchant-related information may be received and stored in a designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 300 of the merchant having the wireless device 360 requests the designated operating server 200 to register a unique code that uniquely identifies the merchant having the wireless device 360 (510) , The operating server 200 may be configured to perform at least one of the first to sixth inherent code checking embodiments corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code checking embodiments of the present invention The unique code is checked (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

Meanwhile, when the merchant having the wireless device 360 generates the one-time code during the reverse payment using the wireless device 360, the merchant-side terminal 300 transmits seed information for generation / authentication of the one- (Step 525), and the operating server 200 confirms seed information for confirming / determining the seed value necessary for authenticating the one-time code to be generated during the reverse-based settlement based on the wireless device 360 (step 530) . If the seed information is confirmed, the operation server 200 associates the unique code (or merchant-related information) with the seed information and stores it in a designated storage medium (535).

6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.

In more detail, FIG. 6 shows a case where a merchant terminal 300 operated by a merchant with a wireless device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the OTID generated by concealing the unique code through the wireless device 360 and requests registration to the operation server 200, the operation server 200 transmits the transaction registration information OTID, and then transmits the radio signal including the OTID to the franchisee-side radio device 360 in the reverse direction. The present invention is not limited to the above- 6, it is possible to refer to and / or modify the FIG. 6 so as to perform various methods for the transaction registration or the reverse OTID transmission process (for example, some steps are omitted, Would be able to infer how City), 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 6.

Referring to FIG. 6, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (600), and transmits the transaction registration information including the amount information to the operation server 200 (605). According to an embodiment of the present invention, the transaction registration information may further include at least one of product information, date information, merchant-related information, and unique code in addition to the amount information.

The operation server 200 receives transaction registration information including the amount information from the merchant terminal 300 and stores the transaction registration information in operation 610. Meanwhile, the franchise-side terminal 300 confirms the OTID generated through the wireless device 360 of the franchisee (615). The merchant-point-side wireless device 360 includes a corresponding wireless device 360 and checks a unique code that uniquely identifies the merchant registering the transaction registration information (620). On the other hand, in an embodiment in which a unique code is not assigned to a franchisee having the wireless device 360, the franchise point wireless device 360 can generate an OTID through the embodiment of Fig.

If the unique code that identifies the merchant that has the wireless device 360 and registers the transaction registration information is identified, the merchant wireless device 360 reads only the identified unique code through the specified specific device / server (625) an OTID that uniquely identifies a merchant having the wireless device (360) and uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time. Preferably, the merchant-side wireless device 360 uniquely identifies the merchant having the wireless device 360 through at least one of the first through sixth OTID generation embodiments of the present invention, An OTID can be generated that uniquely identifies a specific transaction corresponding to the registration information for at least a certain period of time (625).

If the OTID is generated, the franchise point wireless device 360 provides the OTID to the franchise point terminal 300 (630). The franchise point terminal 300 confirms the OTID generated through the franchise point wireless device 360 and requests registration to the operation server 200 at operation 635. The operation server 200 transmits the registration request to the franchise point terminal The OTID is received from the merchant terminal 300 in step 640, and the transaction registration information and the OTID are associated with each other and stored in a designated storage medium 645. In step 645, And transmits the registration result information including the result (650).

The merchant terminal 300 receives the registration result information from the operation server 200 (655), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, identifies it through the OTID (660) a one-time use code of a specified code system for authenticating a subject (for example, transaction registration information registered at a merchant having a wireless device (360) and / or a merchant having the wireless device (360)). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-time code is generated, the franchisee-side terminal 300 requests to transmit a radio signal including the OTID and the disposable code through the affiliate shop-side wireless device 360 associated with the affiliate shop terminal 300 The merchant wireless device 360 checks the OTID and the disposable code to be transmitted through the designated wireless signal 670 and transmits the OTID and the disposable code to the designated structure (for example, operation of the user wireless terminal 400) (A structure recognizable by the application 420) and transmits (680) a radio signal including the transmission information through a radio signal of a designated radio signal standard (680) And the wireless signal transmitted from the wireless terminal 360 is received by the user wireless terminal 400 in the vicinity.

7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.

In more detail, FIG. 7 shows a case where a merchant terminal 300 operated by an affiliated store having a wireless device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the OTID generated through the wireless device 360 and requests registration to the operation server 200, the operation server 200 registers the transaction registration information and OTID in association with each other, And transmits the radio signal including the OTID to the franchisee-side radio device 360 in the reverse direction. As a person skilled in the art will appreciate, (For example, omitting some steps or changing the order) for the transaction registration or the reverse OTID delivery process Would be, the 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 7.

Referring to FIG. 7, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (700), and transmits the transaction registration information including the amount information to the operation server 200 (705). According to an embodiment of the present invention, the transaction registration information may further include at least one of merchandise information, date information, and merchant information.

The operation server 200 receives transaction registration information including the money amount information from the merchant terminal 300 and stores the transaction registration information in operation 710. Meanwhile, the merchant terminal 300 confirms the OTID generated through the wireless device 360 of the merchant (715). The merchant's wireless device 360 has the wireless device 360 and uniquely identifies the merchant registering the transaction registration information and uniquely identifies the specific transaction corresponding to the transaction registration information for at least a certain period of time OTID is generated (720). Preferably, the merchant-side wireless device 360 separately identifies a merchant having the wireless device 360 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time, (720) an OTID that uniquely identifies a particular transaction corresponding to a particular transaction for at least a certain period of time.

If the OTID is generated, the franchise point wireless device 360 provides the OTID to the franchise point terminal 300 (725). The franchise point terminal 300 confirms the OTID generated through the franchise point wireless device 360 and requests registration to the operation server 200 in operation 730. The operation server 200 transmits the registration request to the franchise point terminal (735), stores the transaction information and the OTID in a designated storage medium (740), and transmits the transaction registration information and the OTID to the merchant terminal (300) And transmits registration result information including the result (745).

The franchisee-side terminal 300 receives the registration result information from the operation server 200 (750), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, and identifies (755) a one-time code of a specified code system for authenticating a transaction (for example, transaction registration information registered at a merchant having an object (for example, a merchant having the wireless device 360 and / or a wireless device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-time code is generated, the franchisee-side terminal 300 requests to transmit a radio signal including the OTID and the disposable code through the affiliate shop-side wireless device 360 associated with the affiliate shop terminal 300 The merchant wireless device 360 confirms the OTID and the disposable code to be transmitted through the designated wireless signal (765), and transmits the OTID and the disposable code to the designated structure (for example, operation of the user wireless terminal 400) And transmits the wireless signal including the transmission information through the wireless signal of the designated wireless signal standard (775), and transmits the wireless signal including the transmission information to the wireless device And the wireless signal transmitted from the wireless terminal 360 is received by the user wireless terminal 400 in the vicinity.

FIG. 8 is a diagram illustrating a wireless signal recognition or transaction information providing process of a user wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 8 shows reception and reading of a radio signal transmitted from the merchant-side radio apparatus 360 through the process of FIG. 6 or FIG. 7 in the operating app 420 of the user radio terminal 400, And transmits identification information including the OTID and the disposable code to the designated operation server 200. The operation server 200 identifies and authenticates the merchant having the wireless device 360 through the OTID At the same time, after confirming any transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identified and authenticated merchant, the transaction information of the transaction registration information is transmitted to the operation app 420 of the user wireless terminal 400 FIG. 8 is a flowchart illustrating an exemplary process of providing transaction information including a transaction amount that is confirmed / calculated based on the present invention. (For example, omitting some steps or changing the order) of the radio signal recognition or transaction information providing process, the present invention can be applied to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, when a wireless signal including OTID and a disposable code is transmitted from the merchant wireless device 360 through the process shown in FIG. 6 or FIG. 7, the operating app of the user wireless terminal 400 The controller 420 checks whether a wireless signal of the designated wireless signal standard transmitted through the wireless device 360 of the affiliated shop is received through the short range wireless unit 410 of the user wireless terminal 400 in operation 800. If it is confirmed that the wireless signal of the designated wireless signal standard transmitted through the merchant wireless device 360 is received, the operating app 420 of the user wireless terminal 400 reads the received wireless signal and transmits the wireless signal to the OTID The disposable code is recognized (805). The operating app 420 of the user wireless terminal 400 may communicate with the merchant's wireless device 360 via at least one of the first through fourth embodiments of the present invention ), And can recognize the OTID and the disposable code.

If the OTID and the disposable code are recognized through the radio signal received from the merchant point wireless device 360, the operating app 420 of the user wireless terminal 400 transmits the identification information including the OTID and the disposable code And transmits recognition information including the OTID and the disposable code to the operation server 200 (810).

The operation server 200 receives the OTID including the OTID and the disposable code (815), and reads the OTID of the recognition information (e.g., decodes the OTID through the decoding rule corresponding to the encoding rule for which the OTID is generated) After reading the inherent code hidden in the OTID 820, the user of the mobile terminal 400 (or the operating app 420) using the information registered through the process of FIG. 5 and the read unique code, That is, the franchisee having the wireless device 360, is authenticated (825). If the temporary unique code is included in the OTID, the wireless terminal 360 reads the read temporary unique code through a temporary unique code included (or concealed) in the OTID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

Meanwhile, if the merchant having the wireless device 360 is not identified by the OTID included in the identification information, the operation server 200 notifies the operating application 420 of the user wireless terminal 400 (830) an identification / authentication error for the OTID included in the information, and the operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (840).

If the validity of the disposable code is not authenticated, the operation server 200 provides an authentication error of the disposable code included in the identification information to the operational application 420 of the user wireless terminal 400 (830) , The operating app 420 of the user wireless terminal 400 receives and outputs the authentication error (835).

Meanwhile, if the merchant having the wireless device 360 is authenticated and authenticated through the OTID of the identification information, and the validity of the one-time code of the identification information is authenticated according to the method, the operation server 200 transmits the OTID (845) transaction registration information that is unique and unique for at least a certain period of time. If the transaction registration information identified through the OTID is not confirmed, the operation server 200 can wait for the transaction registration information to be identified for a certain period of time to be registered through the OTID at the merchant that is uniquely identified through the OTID (Step 850). If the transaction registration information identified through the OTID is confirmed, the transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated 855, and the operation app of the user wireless terminal 400 420, and the operation application 420 of the user wireless terminal 400 receives and outputs the transaction information including the transaction amount (step 860) 865).

FIG. 9 is a diagram illustrating a process of interworking between an operating app 420 and a payment app 450 of a user wireless terminal 400 according to an embodiment of the present invention.

FIG. 9 shows an embodiment of an interworking process between an operating app 420 and a payment app 450 of a user wireless terminal 400 that has received transaction information through the process of FIG. 8, Those skilled in the art will be able to refer to and / or modify this FIG. 9 to illustrate various implementations of the interoperability process between the operational application 420 and the payment application 450 (e.g., The present invention is not limited to the above-described embodiments, but may be practiced otherwise than as specifically described herein.

Referring to FIG. 9, the operational application 420 of the user wireless terminal 400 that received the transaction information through the process of FIG. 8 checks 900 whether or not settlement of the transaction information is determined. If the settlement of the transaction information is determined, the operating app 420 determines whether the payment application 450 designated to process the transaction information is installed in the user wireless terminal 400 (905). If the payment application 450 is not installed in the user wireless terminal 400, the operating application 420 performs a procedure to guide the user wireless terminal 400 to install the payment application 450 (910). When the payment application (450) is installed in the user wireless terminal (400), the payment information for payment processing of the transaction amount corresponding to the transaction information is configured / confirmed (915) (Or activates) the payment application 450 installed in the user wireless terminal 400 (or activates) the payment information 450 to the payment application 450 to share / transmit the configured / confirmed payment information ( 920).

When it is confirmed that the payment application 450 installed in the user wireless terminal 400 is activated (or activated) (925), the payment application 450 reads its status and operates through the operating application 420 (Or activated) (930). If the payment application 450 is not activated (or activated) (for example, driven (or activated) according to the conventional method) through the operational application 420, A processing procedure may be performed 935. Meanwhile, when the payment application 450 is activated (or activated) through the operating app 420, the payment information shared and delivered from the operating app 420 is checked (940).

FIG. 10 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a case where the payment application 450 of the user wireless terminal 400 receives payment information for payment of a transaction amount from the operational application 420 and receives the payment information through the payment server 100 on the payment system It will be understood by those skilled in the art that various changes and modifications may be made thereto by referring to and / (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-described embodiments, and the technical features Is not limited.

Referring to FIG. 10, the payment application 450 activated (or activated) by the user wireless terminal 400 outputs (1000) shared payment information transmitted from the operating application 420, It is confirmed whether payment processing using the real money-based payment means is requested (1005), and whether payment processing using the encrypted money is requested (1045). If the settlement-based settlement is requested for the settlement information, the user's wireless terminal 400 may request a settlement-based settlement to the operation server 200 and / or the settlement server 100, An example is shown in Figs. 11 to 17.

On the other hand, when the real-money-based payment processing is requested for the payment information, the payment app 450 performs a terminal-side payment process for payment processing of the payment information according to a payment procedure set in the corresponding application, And performs a settlement procedure in cooperation with the settlement server 100 (1010). The payment server 100 performs a server-side payment procedure for the payment information in cooperation with the payment application 450 of the user wireless terminal 400 and confirms payment result information for the payment procedure (step 1015). In the present invention, the payment procedure performed by the payment application 450 and the payment server 100 in cooperation with each other includes all the payment procedures that are proposed / implemented in addition to the existing wireless payment procedure, and are not limited to specific payment procedures.

If the settlement result information for the settlement procedure is confirmed, the settlement server 100 provides the settlement result information to the settlement application 450 of the user wireless terminal 400 and the operation server 200 (step 1020) , The payment application 450 of the user wireless terminal 400 receives and outputs the payment result information that has processed the payment information (1025), and the operation server 200 receives the payment result information, The merchant terminal 300 may provide the payment information to the merchant terminal 300 and the merchant terminal 300 may receive and output the payment result information.

FIG. 11 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.

In more detail, FIG. 11 shows a configuration of a system for processing payment using the cipher money as a payment means when settlement using a block-chain-based cipher system is requested by the user wireless terminal 400, Those skilled in the art will be able to refer to and / or modify this FIG. 11 to derive various implementations of the system (e.g., omitting some components, or subdividing, or combining implementations) However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

According to the embodiment of the present invention, when the user wireless terminal 400 requests the payment using the block-chain-based cipher system, the procedure for processing the payment using the block-chain-based cipher system as the payment means is performed by the operation server 200 And FIG. 11 is a block diagram illustrating an example in which the operation server 200 processes the settlement using the block-chain-based encrypted money as the settlement means However, the present invention is not limited thereto. The present invention is not limited to this, and the present invention can be applied to a payment server 100 and / or a payment server 100 It is clear that the configuration is possible.

Referring to FIG. 11, the operation server 200 (or the payment server 100) includes an N block chain network 1100 that implements N (N? 1) A crypto-money block storage unit 1110 for storing a ciphertext block including blocks ciphered or generated according to a block-chaining algorithm implemented in the block-chain algorithm, and storing the ciphered block in a designated block storage area; And a cryptographic block updating unit 1115 for performing a process of confirming a new block to be newly generated or agreed upon in accordance with the block chain algorithm implemented in the block chain and chaining the cryptographic block to a cryptographic block stored in a designated block storage area and updating the cryptographic block.

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than a server-centric scheme, a block-chain network 1100 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, or a server corresponding to a peer participating in the block-chain network 1100 and is referred to as a 'node device 1105'.

The block-chain network 1100 includes a private block-chain network 1100 that includes a public-block-chain network 1100 to which anyone can participate, or a limited (or pre-authenticated) According to an embodiment of the present invention, the block-chain algorithm includes a hybrid block-chain network 1100 that partially blends features of the public-block-chain network 1100 and the private-block-chain network 1100 .

According to an embodiment of the present invention, a node device 1105 on a block-chain network 1100 is connected to a cipher-key network 1100, which is created on a specified block-chain network 1100 based on a 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 1100, a function of forming a block by blocking the collected specified number of cryptographic transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake, CBB (Consensus-By-Bet)) to generate a new block, and a function of requesting the other node device 1105 to settle the newly generated block 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 node device 1105, and a function of chaining the verified block to the pre- A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 1100 is installed and all the node devices 1105 operating on the specific block chain network 1100 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 200 (or the payment server 100) can use N (N > = 1) cipherlets implemented on a block chain basis as payment means. The components of the illustrated operational server 200 (or billing server 100) include a node device 1105 (e.g., a designated block-chain network 1100) on a designated block-chain network 1100 that implements the specified block- (E.g., a block device implemented with a block chain algorithm implemented in a block-chain algorithm) and / or a virtual node capable of participating in the designated block-chain network 1100 A virtual node that is implemented through the same program as the block chain program to which the chain algorithm is applied) and / or is implemented on the designated block chain network 1100 It can work with real-time node apparatus 1105. 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 cipher embodiment of the present invention, the N ciphered currencies are associated with the operating server 200 (or the payment server 100) or the operating server 200 (or the payment server 100) The node device 1105 may include a cryptogram that is generated by a block-chain algorithm implemented on the designated block-chain network 1100 and participated in an agreement-active active node. Here, the active node is an actual node device 1105 implemented on a designated block-chain network 1100, or a node that operates in an equivalent manner, and is preferably a block-chain algorithm implemented on a designated block- A function of storing a cryptographic currency block generated on the block chain network 1100 designated by the designated block chain network 1100 in a designated storage area, a function of collecting a cryptographic transaction history broadcasted to the designated block chain network 1100, 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 another node device 1105, 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 other node device 1105, and a function of verifying the block- It is possible to perform the functions defined in the block chain algorithm implemented on the block-chain network 1100 among the functions of chaining and linking.

According to a second cryptographic embodiment of the present invention, the N ciphered currencies are associated with the operating server 200 (or the payment server 100) or with the operating server 200 (or the payment server 100) The node device 1105 may include a cryptogram that is generated or agreed through a block chain algorithm implemented on the designated block-chain network 1100 and is included in a passive node capable of real-time confirmation of the cached block. Herein, the passive node is a node that is created or agreed upon on a block-chain network 1100 in cooperation with an actual node device 1105 implemented on a designated block-chain network 1100 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a specified block-chain network 1100 based on a block-chain algorithm implemented on the block-chain network 1100; 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 encrypted password block 1105, One function can be performed.

According to the third cryptographic embodiment of the present invention, the N ciphered currencies may include the cipher currency of the operator issued through the own block chain network 1100 implemented in the operator operating the operating server 200 have. The private block chain network 1100 implemented by the operator may include a public block chain network 1100 or may include a private block chain network 1100 or may include a public block chain network 1100 and a private block chain 1100. [ And may include a hybrid block-chain network 1100 that partially blends the features of network 1100.

According to the first self-block-chain network 1100 of the present invention, the self-block-chain network 1100 implemented by the operator can be operated in the form of a public-block-chain network 1100 that can participate as a node.

According to the second self-block chain network 1100 of the present invention, the own block chain network 1100 implemented by the operator may include a designated number of node devices 1105 distributedly constructed and operated by the operator In this case, the own block chain network 1100 may be operated in the form of a private block chain network 1100.

According to the third self-block-chain network 1100 of the present invention, the self-block-chain network 1100 implemented by the operator includes a designated number of node devices 1105 distributedly constructed and operated by the operator, In this case, the own block chain network 1100 may include a designated number of node devices 1105 operated by an operator. In this case, the node device 1105 may be a distributed node device, And a hybrid block-chain network 1100 in which an external node device 1105 participates.

According to the fourth self block chain network 1100 of the present invention, the own block chain network 1100 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the own block chain network 1100 may be operated in the form of a virtual private block chain network 1100.

According to the fifth self-block-chain network 1100 of the present invention, the self-block-chain network 1100 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 1100 includes a virtual node operated by an operator and an external node device 1105 participating in the network, The hybrid block chain network 1100 can be operated in the form of a hybrid block chain network 1100.

According to the sixth self-block-chain network 1100 of the present invention, the self-block-chain network 1100 implemented by the operator includes a designated number of node devices 1105 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 self-block-chain network 1100 includes a designated number of node devices 1105 and a specified number of virtual nodes And may be operated in the form of a private block chain network 1100.

According to the seventh self-block-chain network 1100 of the present invention, the own block-chain network 1100 implemented by the operator includes a designated number of node devices 1105 distributed and constructed by the operator, And a virtual node that is implemented in software through one or more servers that are operated by the node device 1105. The node device 1105 may allow the participation of an external node device 1105 in addition to the virtual node and the designated number of node devices 1105, The own block chain network 1100 may be operated in the form of a hybrid block chain network 1100 in which a specified number of node devices 1105 operated by an operator and virtual node and external node devices 1105 participate.

According to the eighth self-block-chain network 1100 embodiment of the present invention, the self-block-chain network 1100 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 crypto-money block storage unit 1110 stores at least one (1) block on the N block-chain networks 1100 implementing N (N > = 1) N encrypted blocks including blocks ciphered or agreed upon in accordance with respective block chain algorithms implemented on the N block-chain networks 1100 in cooperation with the node device 1105 of the node device 1105, Stores N encrypted currency blocks in the designated block storage area. That is, in the block chain-based cipher system, the cipher blocks of each block-chain-based cipher system are stored and periodically updated in each node device 1105 provided in the block-chain network 1100 in a P2P form without a centralized server The crypto-cash block storage unit 1110 can identify N cipher blocks in cooperation with at least one node device 1105 included in the N block-chain networks 1100 and store the ciphered blocks in a designated block storage area.

Meanwhile, the node devices 1105 provided in the N block-chain networks 1100 perform a procedure of generating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chain network 1100, The money block updating unit 1115 checks a new block newly created or agreed on the N block-chain networks 1100 according to the block-chain algorithm implemented on the N block-chain networks 1100, 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 embodiment of the present invention, the encrypted currency block updating unit 1115 updates the encrypted currency block stored in the designated block storing area every time (or at a designated cycle) 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 update unit 1115 updates the encrypted currency block (or the encrypted currency block including the verified blocks) when the validity of the encrypted currency block (or the validity of each block included in the encrypted currency block) A new block can be chained and updated in the encrypted money block.

According to the method of the present invention, the crypto-money block updating unit 1115 updates the cryptographic money in the cryptographic money block 1100, which is newly created or agreed upon on the block chain network 1100 of the ciphertext used as the payment means while the specified crypto- 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. 11, the operation server 200 (or the payment server 100) receives user information about the user through the user wireless terminal 400 and receives an n-th cipher The user side password money account information identifying the user password money account established to identify the cipher unit held by the user on the chain network 1100 and the block chain algorithm implemented on the nth block chain network 1100, A cryptographic information registration unit 1120 for performing a procedure of registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for a cryptographic currency transaction using a cryptographic account unit held in a user's cryptographic currency account , The user side password money account information and the user side password money transaction authentication information are linked with the user information and stored in the designated management DB The encrypted money information management unit 1125 manages i (i > = 2) included in the latest updated n-th cipher block in the designated block storage area, The cryptographic transaction details contained in the blocks can be read to calculate the cryptographic unit held in the user's cryptographic account of the n-th cryptographic unit and stored in the management DB in association with the user's cryptographic unit account information. On the other hand, the cryptographic information management unit 1125 reads the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block for the purpose of chaining i blocks included in the n-th cipher currency block 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 the user wireless terminal 400 intends to make a payment through the n-th (1? N? N) cipher, the user wireless terminal 400 registers 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 n block chain network 1100 and the block chain algorithm implemented on the nth block chain network 1100 (For example, a password, an authentication code, a registration code, a certificate information, a certificate password, etc.) set for a password currency transaction using a password currency account unit held in the user password money account ), And the cryptographic money information registering unit 1120 registers the user's cryptographic information in the designated registration procedure The user's password information to identify the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1100 implementing the n-th cryptographic currency, And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block chain network 1100. [ Side encrypted money account information, and the cryptographic information management unit 1125 stores the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information in association with the user information in a designated management DB , The user side password money account information and the user side password money transaction authentication information, It can manage to make the deal happen cryptocurrency for monetary payment. In other words, the owner of the cryptographic account can not be identified by the cryptographic information manager 1125 through the user's cryptographic account information on the n block-chain network 1100, 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 1125 stores i (i, j) included in the latest updated nth password block in the block storage area based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i > The encrypted money transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 1105 on the block chain network 1100, The user can calculate the cipher unit held in the user's cipher account. In this case, the encrypted money information managing unit 1125 may store 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.

According to the method of the present invention, the cryptographic information management unit 1125 stores i (i, 2) blocks included in the latest updated n-th cipher block in the 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 incoming account), and / or reads valid < RTI ID = 0.0 > (I > = 2) blocks included in the latest updated n-th cipher block are read through the node device 1105 and stored in the user's cipher account of the n-th cipher currency (Or repeats) the process of calculating the encrypted currency unit and storing the calculated encrypted currency unit information in the management DB.

According to an embodiment of the present invention, the cryptographic information management unit 1125 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 / And the validity of the hash values included in each block is verified through the block chain verification value included in the block cipher information management unit 1125. In this case, when the validity of the hash values included in each block for verifying the validity of the hash values for the i blocks is verified, the cryptographic unit held in the user's cryptographic account is calculated, In conjunction with the user-side cryptocurrency account information it can be stored in the management DB.

Referring to FIG. 11, the operation server 200 (or the payment server 100) checks currency exchange information corresponding to a cipher block corresponding to a cipher block stored in a designated block storage area, And a cryptographic currency exchange rate storage unit 1130 for storing the cryptographic currency exchange rate in the exchange rate storage area. When the exchange rate information is changed, (1135).

N encrypted banknotes are stored in a designated block storage area through the encrypted banknote storage unit 1110 and / or N encrypted banknote blocks are stored in a designated block storage area via the crypto coin block update unit 1115 The encrypted currency exchange rate storage unit 1130 stores the exchange rate between the N encrypted currency corresponding to the N encrypted currency blocks stored in the block storage area and the designated real currency (e.g., 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 1135 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 1135 may not update the exchange rate information periodically.

Referring to FIG. 11, the operation server 200 (or the payment server 100) receives a payment request confirmation for confirming a payment request using the n-th (1? N? N) cipher from the user wireless terminal 400 A cryptographic currency exchange rate confirmation unit 1145 for checking the settlement currency 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 1150 for determining a cryptographic unit for settlement corresponding to the amount of settlement based on the confirmed settlement exchange rate information.

If the user's wireless terminal 400 transmits the cryptographic settlement request information for requesting settlement using the n-th (1? N? N) cipher based on the block chain as the payment means instead of the at least one real money based settlement means , The payment request confirmation unit 1140 receives the encrypted money settlement request information requesting payment using the nth encrypted currency from the user wireless terminal 400. [ The encrypted money settlement request information received from the user wireless terminal 400 includes a unique identifier for uniquely identifying at least one (or a combination of two or more) of wireless terminals, users, and apps requesting payment using the n-th cipher, If the user's cryptographic currency account information for the n-th cryptographic currency and the user's cryptographic currency transaction authentication information are not managed through the cryptographic information manager 1125, And may include at least one of user side password money account information and user side password money transaction authentication information.

When the payment request confirmation unit 1140 confirms the payment request using the n-th cipher currency, the cipher currency exchange rate check unit 1145 checks the exchange rate of 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 1145 updates the cipher currency exchange rate update unit 1135) and confirms the current exchange rate information between the n-th ciphered currency and the designated real exchange, 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.

When the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storage area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 1145 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.

When the settlement exchange rate information between the n-th cipher and the designated real currency is confirmed through the cipher currency exchange rate confirmation unit 1145, the cipher currency unit determination unit 1150 determines, based on the confirmed settlement exchange rate information, And decides the unit of the password for payment corresponding to the amount to be paid. Meanwhile, according to the method of the present invention, the cryptographic unit determination unit 1150 provides the settlement currency rate information and / or the cryptographic currency unit for settlement to the user wireless terminal 400, The user can go through the process of acquiring the user's payment agreement or user approval.

Referring to FIG. 11, the operation server 200 (or the payment server 100) includes an n-th block-chain network 1100 that implements the n-th cipher system at the time of confirming the payment request using the n-th cipher system, A cryptographic account checking unit 1160 for identifying a user's cryptographic account established to identify a cryptographic unit held by the user on the user's cryptographic unit, and a validity authentication unit 1165 for performing at least one encrypted currency settlement validity authentication procedure based on the n cipher block.

When the payment request confirmation unit 1140 confirms the payment request using the n-th cipher currency, the cipher currency account identification unit 1160 inquires the management DB managed through the cipher information management unit 1125, 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 1100 implementing the n-th cryptographic unit. On the other hand, according to an embodiment of the present invention, the cryptographic unit 1160 identifies a cryptographic unit among the cryptographic units held by the user on the n block-chain network 1100 from the management DB, The user can confirm the user's cryptographic transaction authentication information for proceeding / authenticating the currency transaction. According to another embodiment of the present invention, at least one of the user side encrypted currency account information and the user side encrypted currency transaction authentication information may be received from the user wireless terminal 400, thereby preventing the present invention from being limited No.

When the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1100 is confirmed through the cryptographic unit 1160, the validity authentication unit 1165 determines whether the cryptographic unit A procedure for authenticating the validity of the password currency settlement based on the password currency transaction for fetching the settlement password currency unit determined through the password currency unit determination unit 1150 from the user's password currency account of the password currency and entering the designated password currency account .

According to an embodiment of the first password settlement validity authentication method of the present invention, the validity authenticator 1165 may store the latest updated nth password block in the n-th cipher into the user's cipher account of the n-th cipher And a step of authenticating whether or not the amount to be paid has a valid cipher currency unit capable of paying the amount to be paid. According to the embodiment of the present invention, the validity authentication unit 1165 reads the latest updated n-th cipher block (for example, i (i > 2 ) Blocks of the cryptographic currency based on the cryptographic transaction details included in the n < th > block, and holds a valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic account of the nth cryptographic unit (Or repeatedly) stored in the management DB designated by the cryptographic information manager 1125, and / or the user's cryptographic unit information of the n-th cryptographic unit based on the cryptographic unit information of the user stored periodically It is necessary to check whether the amount to be paid has a valid cipher unit capable of payment, and / or in cooperation with a valid node device 1105 on the nth block-chain network 1100 Seen may perform the update process of the n-th cipher block currency and check whether the read out by having the n-th cipher user password currency account password valid currency can make a payment to the payment of money to the Certification. That is, the block-chain-based cryptography does not store and manage the cryptographic unit held by the user in a centralized manner in a server, but rather the number of ciphers specified in each node device 1105 provided in the block-chain network 1100 The validity authentication unit 1165 reads the latest updated n-th cipher block of the n-th cipher key in real time or stores the cipher block of the n-th cipher periodically and / or repeatedly, And / or a management DB storing information for reading the latest updated nth cipher block of the n-th cipher currency, so as to store the valid password in the user's cipher currency account of the n-th cipher currency, Unit can be carried out.

According to the embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 1165 encrypts the i (i, 2) blocks included in the n < th > 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 1165 may perform a specified verification operation of hash values included in i (i? 2) blocks included in the latest updated n-th cipher block, I < / RTI > included in the nth encrypted currency block used to calculate the cryptographic unit held in the user's cryptographic account of the node device 1105 on the nth block-chain network 1100 and / 2) blocks of the hash values. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but rather a plurality of node devices 1105 provided in the block-chain network 1100, The validity authentication unit 1165 determines whether or not the latest updated n-th cipher block of the n-th cipher is valid by using the cipher currency validation authentication procedure Can be performed. According to the embodiment of the present invention, when validity of the n-th cipher block is verified through the validity authenticator 1165, 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 1165 may include the user's password account as a withdrawal account from among the details of the encrypted currency transactions transmitted to the n-th block-chain network 1100 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

According to the method of the present invention, the block-chain algorithm for implementing the block-chain-based cryptography is a method for real-time chaining the encrypted currency transaction details generated for the cryptographic currency transaction in each transaction history unit when a predetermined cryptographic currency transaction occurs (I.e., not including the hash value of the previous password transaction history in the current password transaction history), blocks the encrypted currency transaction history generated for a predetermined time (and / or a predetermined number of times) (I.e., include the hash value of the previous block linked from the original block into the current block and / or generate or apply the block chain verification value for the hash value of the current block) In order for the encrypted currency transaction details to be blocked or chained in the encrypted currency block, a predetermined (or predetermined) This is necessary. For example, in some block-chain-based cryptography, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Accordingly, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as the withdrawal account is broadcast to the n-th block-chain network 1100 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.

On the other hand, according to some block chain algorithms, a plurality of node devices 1105 provided on the block-chain network 1100 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 1105 issues a new cryptogram to the device 1105 and / or provides a transaction fee of the cryptographic transaction details included in the block-chained block to the node device 1105 that succeeded in block-chaining, You can include a high transaction fee in a block that you create, and you can exclude or include it in a block. Therefore, even if the waiting time on the corresponding block chain algorithm is set to 10 minutes in the case of the partial password transaction details broadcasted to the block-chain network 1100, the node devices 1105 included in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In some extreme cases, in the case of some encrypted currency transaction details, the block chain network 1100 may not be included in the cipher block until it is closed. Therefore, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on a time point when the payment request using the n-th cipher currency is confirmed, it is desirable that there is no user-side withdrawal-related unrecognized password currency transaction details on the n block-chain network 1100, thereby preventing a delay of the password transaction for settlement or an error occurrence probability .

According to the embodiment of the present invention, the validity authentication unit 1165 may determine that the payment request using the n-th cipher currency is confirmed, 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 broadcasted in the nth block-chain network 1100, 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 among the details of the cryptographic currency transactions transmitted to the n-th block-chain network 1100 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 1100 are verified, In a case where the validity authentication unit 1165 includes the key in the ciphering block (or is immediately included) and is finally determined as a valid ciphertext transaction, the validity authentication unit 1165 can authenticate the validity of the ciphertext payment using the nth ciphertext. On the other hand, at least one user-side withdrawal account including the user's cryptographic account as the withdrawal account out of the cryptographic transaction details broadcasted to the n-th block-chain network 1100 based on the time point when the payment request using the n-th cipher currency is confirmed Or the user side withdrawal related password money transaction details broadcasted to the nth block chain network 1100 are not included in the nth cipher currency block, If it is confirmed as the details of the encrypted currency transaction, the validity authentication unit 1165 can confirm that the validity of the encrypted currency settlement using the nth encrypted currency is invalid according to the specified rule. For example, the validity authentication unit 1165 may transmit the user's password account of the encrypted currency transaction details broadcasted to the n-th block-chain network 1100 on the basis of the time when the payment request using the n-th cipher currency is confirmed When the at least one user-side withdrawal-related cipher transaction history included in the withdrawal account is confirmed, it can be confirmed that the validity of the cipher currency payment using the n-th cipher currency is invalid. Alternatively, the validity authentication unit 1165 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 1100 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 1165 can authenticate the validity of the encrypted currency payment as in the fourth password validation authentication validity authentication method described below.

According to the fourth password validation authentication validity authentication method of the present invention, the validity authenticator 1165 may retrieve the user password in the idle state including the user's password account in the n-th block-chain network 1100 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 a valid cryptographic currency unit capable of paying the amount to be paid exists in the cryptographic currency account. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 1100, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 1165 determines whether the encrypted currency account unit held in the user's password money account is smaller than or equal to the password currency unit corresponding to the amount to be paid, . Alternatively, for example, after the block chain algorithm of the n-th cipher currency is broadcasted to the n-th block-chain network 1100, the user-side withdrawal-related cipher currency transaction details are broadcasted to the n-th block- If the encrypted password account unit is included in the currency block, the validity authentication unit 1165 determines whether the encrypted currency unit corresponding to the amount to be paid and the user- It can be confirmed that the sum of the cipher units included in the cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher account so that the validity of the cipher currency payment is authenticated in such a case.

According to the 5th embodiment of the password validation validity authentication method of the present invention, the validity authenticator 1165 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. 11, the operating server 200 (or the payment server 100) may, when authenticating one or more designated password payment settlement validity, A cryptographic money transaction procedure unit for performing a cryptographic currency transaction procedure to settle the amount to be paid by using the cryptographic unit, And a result information providing unit 1185 for providing the cryptographic unit based payment result information to the user wireless terminal 400. The cryptographic service providing unit 1185 may include a result information providing unit 1180, And a cryptographic currency transaction management unit 1175 for managing the cryptographic currency transaction to be effectively included in the nth cryptographic currency block.

If the validity authentication unit 1165 verifies the validity of at least one designated cryptographic currency settlement, the cryptographic currency transaction processing unit determines whether the cryptographic unit of the ninth cryptographic unit is the cryptographic unit determination unit of the cryptographic unit held in the user's cryptographic account of the nth cryptographic unit. The n-th cipher chain is transferred from the user's cipher money account of the n-th cipher to the designated ciphering account for the settlement, (1100). ≪ / RTI >

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 details broadcasted to the n-th block-chain network 1100 are transaction details of the inter-cipher transactions, not transaction details of the cipher and real transactions. Therefore, in order for the billing unit for the billing currency withdrawn from the user's cryptographic account of the n-th cipher currency to be converted into the real currency unit, the selling of the cipher unit using the designated cipher currency exchange (for example, the exchange operated by the affiliated exchange or the operator) At least one currency exchange transaction including exchange transactions using real currency based on buy / sell transactions and / or currency exchange transactions using exchange allowance of a business person should be generated, and the exchange transaction to such a real currency takes a certain time. On the other hand, since the password-based settlement using the n-th cipher currency as the settlement means is processed and the cipher currency unit for settlement held in the user's cipher currency account of the n-th cipher currency is fetched, The user may include an escrow cryptographic currency account of the nth cryptographic currency designated to temporarily store the billing currency unit withdrawn from the user's cryptographic account of the nth cryptographic currency until the currency unit is converted into the real currency unit.

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, when the exchange transaction of the n-th cipher currency is actively performed in real time and the cipher unit 1150 determines the unit of cipher for payment corresponding to the amount to be paid, When the value of the n-th cipher currency is lower than a current rate of currency information of the currency by a certain ratio to calculate the cipher unit for billing, the billing unit for billing thus calculated is used for real- 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).

On the other hand, in the case where the idle state user-side withdrawal-related undecided password money transaction details including the user password money account as the withdrawal account on the n-th block-chain network 1100 are confirmed through the validity authentication unit 1165, The money transaction management unit 1175 may use the n-th cipher than the confirmed uninitialized cipher transactions in connection with the block chaining process based on the block chain algorithm implemented in the n-th block-chain network 1100 And may perform a procedure designated to include in the n-th cipher block first the ninety-ciphertext block generated for settlement and broadcast to the n-th block-chain network 1100. For example, when a block-chain algorithm implemented in the n-th block-chain network 1100 is received from a plurality of node devices 1105 provided on the n-th block-chain network 1100, The cryptographic currency transaction management unit 1175 determines whether or not the transaction fee of the unsettled cryptographic currency transaction 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. Or when a business operator operating the operation server 200 (or the payment server 100) implements and operates the n-th block-chain network 1100, the payment password transaction details are given priority , The settlement password transaction history may be set so as to be included in the n < th >

On the other hand, the result information verifying unit 1180 confirms settlement through the n-th cipher money within a predetermined time after the clearing transaction for the settlement is broadcasted to the n-th block-chain network 1100 through the cipher transaction processing unit And can confirm the processed password-based payment result information. Preferably, when the billing password transaction details are broadcasted to the n-th block-chain network 1100 through the cryptographic transaction processing unit, the result information verifying unit 1180 may include a password- You can check payment result information.

According to the first result information confirmation embodiment of the present invention, the result information confirmation unit 1180 transmits the details of the password transaction for settlement to the n-th block-chain network 1100 through the cryptogram transaction processing unit The settlement result information including the cryptography-based settlement approval result can be confirmed before the settlement password transaction details are included in the n-th cipher currency block. On the other hand, if the settlement password transaction details are not yet included in the n-th cipher block, the result information verifier 1180 determines the result of the cipher settlement (e.g., Based on the result of the payment approval of the final settlement state).

According to the second result information checking embodiment of the present invention, when the payment password transaction history is transmitted within the predetermined time after the payment password transaction details are broadcasted to the nth block chain network 1100, (For example, if the period in which the encrypted currency transaction history is included in the n-th cipher block is within a specified reference time, and / or the operation server 200 (or the payment server 100) The result information confirming unit 1180 transmits the result of the determination to the n-th block-chain network 1100 through the cryptogram transaction processing unit, After the transaction history is broadcasted, after confirming that the payment password transaction details are included in the n < th > password block, the payment result information including the password- It can be found. On the other hand, when the settlement password transaction details are included in the n-th cipher currency block, the result information confirmation unit 1180 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 1185 may provide the cryptographic unit based payment result information confirmed according to the first or second result information checking example to the user wireless terminal 400 and / , The user wireless terminal (400) and / or the merchant terminal can receive and output the password-based payment result information.

FIG. 12 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on the block-chain network 1100 according to an embodiment of the present invention.

In more detail, FIG. 12 shows a block diagram of a block caching system according to an embodiment of the present invention. Referring to FIG. 12, blocks or blocks that are generated or agreed upon according to a block chain algorithm implemented on N block chain networks 1100 implementing N (N? 1) And stores the coded block in the designated block storage area. The new block is newly created or agreed upon according to the block chain algorithm implemented on the N block chain network 1100, 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 inferred, The present invention is not limited to the technical features of the present invention.

Referring to FIG. 12, a node device 1105 on a block-chain network 1100 transmits a specified number of cryptographic transactions 1100 broadcasted to the block-chain network 1100 in accordance with a block- And transmits the generated new block to the other node devices 1105 on the block chain network 1100 to perform a block chaining process. Then, the agreed blocks are chained (Or the payment server 100) performs the procedure of distributing (1200) the cipher block including the cipher block to each of the node devices 1105. The operation server 200 (or the payment server 100) (Block 1205), which is generated or agreed upon according to a block-chaining algorithm implemented on the N block-chain networks 1100 implementing the cipher block. If the encrypted money block is confirmed, the operation server 200 (or the payment server 100) stores the identified encrypted money block in the designated block storage area (operation 1210).

Thereafter, the operation server 200 (or the payment server 100) checks whether a new block is created or agreed according to a block chain algorithm specified on the block-chain network 1100 corresponding to the encrypted money block stored in the block storing area (1215). If a new block is created or agreed upon on the block-chain network 1100, the operating server 200 (or the payment server 100) checks the newly created or agreed-upon new block on the block-chain network 1100 (Block 1220). The identified new block is chained to the encrypted money block stored in the block storing area, and the new block is updated and stored (1225). The new block is confirmed on the block chain network 1100, Periodically and / or continuously repeating the process of updating and storing the encrypted money block stored in the storage area. As a result, the latest cipher block can always be kept in the block storage area.

FIG. 13 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.

More specifically, FIG. 13 shows a process of confirming and storing and / or updating the exchange rate information set for the exchange between the cryptographic currency corresponding to the ciphertext block stored in the designated block storage area and the designated real currency, Those skilled in the art will appreciate that various embodiments of the process of managing the exchange rate information (e.g., some steps may be omitted or in order However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 13, the operation server 200 (or the payment server 100) confirms exchange rate information set for exchange between the cryptogram corresponding to the cryptogram block stored in the designated block storage area and the designated real money (1300 ). For example, the operation server 200 (or the payment server 100) can check the exchange rate information in cooperation with a server of a designated cryptographic exchange. Alternatively, the operation server 200 (or the payment server 100) can check the exchange rate information by referring to the block chain network 1100 corresponding to the encrypted currency block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 200 (or the payment server 100) stores the confirmed exchange rate information in the designated exchange rate storage area (1305).

On the other hand, if the exchange rate information is periodically fluctuating exchange rate information, the operation server 200 (or the payment server 100) checks the current exchange rate information that varies according to the designation period (1310) The exchange rate information stored in the exchange rate storage area is updated and stored as the currently confirmed exchange rate information (1315), so that the exchange rate exchangeable information can be immediately maintained in the exchange rate storage area.

FIG. 14 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates user information about a user, user-side password money account information for the user-side password money transaction, and user-side 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 save the user's password money registration information including the user's password in the information registration process, and if the user has a general knowledge in the technical field 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 that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 14, when user information using the n-th cipher is registered in the user wireless terminal 400 in operation 1400, the operation server 200 (or the payment server 100) And stores it in the management DB (1405). On the other hand, in the user wireless terminal 400, on the n-th block-chain network 1100 implementing the n-th cipher system, user-side cipher account information for identifying a user cipher account established to identify the cipher unit held by the user The user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block chain network 1100, When the password money registration information is registered 1410, the operation server 200 (or the payment server 100) registers the user side password money information including the user side password money account information and the user side password money transaction authentication information (1415), and associates the user-side password money account information and the user-side password money transaction authentication information with the user information (1420), and stores information for the user's side password-based money transaction based on the real name.

The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a 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 the generated new block is transferred to another node device 1105 on the n-th block-chain network 1100 and agreed The operation server 200 (or the payment server 100) performs a procedure of distributing and storing the ciphered blocks including the agreed blocks in each node device 1105 The process of checking the latest updated n-th cipher block of the n-th cipher from the designated block storage area through the process of FIG. 12 and / or checking the n-th cipher block of the n-th cipher, (1430) the latest updated nth encrypted currency block of the n th cipher from the node device 1105 on the block-chain network 1100.

The operation server 200 (or the payment server 100) may perform a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the identified nth encrypted currency block (1435) the nth cipher block is validated. If the validity of the n-th cipher block is not verified, the operating server 200 (or the payment server 100) receives the latest valid n-th cipher from the valid node device 1105 of the n-th block- (Re) verification of the encrypted money block, storing it in the designated block storage area (1440), 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 200 (or the payment server 100) can not verify the validity of the encrypted money transaction included in the i blocks included in the verified n-th cipher currency block (1445) the encrypted currency units held in the user's cryptographic account of the n-th cipher system. If the encrypted currency unit held in the user's cryptographic currency account of the n-th cipher currency is calculated, the operation server 200 (or the payment server 100) And stores it in the management DB in association with the user's password money account information (1450).

FIG. 15 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.

In more detail, FIG. 15 shows a case where the nth cipher currency based settlement is requested by the user wireless terminal 400, and the settlement exchange rate information is checked based on the nth cipher currency and the real currency, (And / or a password unit for settlement) through the user wireless terminal 400 after confirming the settlement unit for the settlement currency exchange unit 400, Those skilled in the art will be able to refer to and / or modify Figure 15 to derive various implementations of the cryptography-based payment verification process (e.g., omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the method shown in FIG. 15 You.

Referring to FIG. 15, when the user wireless terminal 400 requests the n-th cipher based payment through the process of FIG. 10, the operation server 200 (or the payment server 100) Confirm the payment request (1500). If the n-th cipher-based payment request is confirmed, the operation server 200 (or the payment server 100) checks whether the n-th cipher and the real currency exchange rate stored in the exchange- (Step 1505), and decides a settlement unit for the settlement of accounts based on the confirmed settlement exchange rate information (step 1510).

FIG. 16 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.

16 is a flowchart illustrating an operation of the operation server 200 (or the payment server 100) when the user confirms the payment request using the n-th cipher system. In the n-th cipher chain network 1100 implementing the n-th cipher system, Identifying a user's cryptographic currency account set to identify the cryptographic currency unit possessed and determining one or more cryptographic payment validity based on the user's cryptographic currency account of the nth cryptographic currency and the latest updated nth cryptographic currency block of the nth cryptographic currency, The present invention is not limited to the above embodiments, and various modifications and changes may be made thereto without departing from the spirit and scope of the present invention. For example, some steps may be omitted or the order may be altered), but the present invention encompasses all such envisioned methods of implementation And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 16, if the n-th cipher based settlement is requested through the process of FIG. 10 and / or the decryption unit is determined through the process of FIG. 15, or the user consent of the cipher- , The operating server 200 (or the payment server 100) transmits the user password money account established to identify the cipher unit held by the user on the n-th block-chain network 1100 implementing the n-th cipher system (1600). ≪ / RTI > If the user encryption account is not confirmed, the operation server 200 (or the payment server 100) provides error information through the communication network 1605, and the user wireless terminal 400 transmits the error information And receives and outputs the error information (1610).

The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a 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 the generated new block is transferred to another node device 1105 on the n-th block-chain network 1100 and agreed The encrypted password block including the agreed blocks is distributed to the respective node devices 1105 (1615). If the user's password account of the n-th cipher currency is confirmed , The operating server 200 (or the payment server 100) receives the latest updated n-th encryption of the n-th cipher from the designated block storage area through the process of FIG. 12 Block 1620 of the n < th > cipher from the node device 1105 on the n < th > block chain network 1100 corresponding to the n & .

The operation server 200 (or the payment server 100) may perform a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the identified nth encrypted currency block (1625) a cryptographic payment validity authentication procedure for authenticating the validity of the nth cipher block. If the validity of the n-th cipher block is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1605, and the user wireless terminal 400 And receives and outputs the error information through a communication network (1610).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 200 (or the payment server 100) determines the n-th cipher block based on the latest updated n-th cipher block of the n-th cipher, (1630) a cryptographic payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user holds a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic currency account. If the validity of the user's password unit is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1605, And receives and outputs the error information (1610). According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher key to authenticate the cipher-based payment when the validity of the user- The present invention is not limited thereto.

On the other hand, if the validity of the user-held cipher currency unit is authenticated, the operation server 200 (or the payment server 100) transmits the payment request to the n-th block- 1100), it is authenticated that there is no idle-state user-side withdrawal-related undeclared cipher transaction history that is not included in the n-th cipher block, while including the user's cipher account in the withdrawal account A cryptographic bill validity authentication procedure for authenticating the block chaining validity is performed (1635). According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher currency to generate a cipher transaction for the cipher-based payment when the block- It is possible to perform the procedure, and thus the present invention is not limited thereto.

If the validity of block chaining is not verified by checking the idle state user-side withdrawal-related unrecognized password currency transaction details including the user's cryptographic account in the withdrawal account on the n-th block-chain network 1100, The settlement server 200 (or the settlement server 100) may use at least one of the encrypted denomination unit included in the confirmed undisplayed encrypted money transaction history and the encrypted denomination unit held in the user's password money account (1640) a validation of the validity of the user-held cipher currency unit whether the user has a valid cipher unit capable of paying the amount to be settled in the user's cipher currency account. According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher key to authenticate the cipher-based payment when the validity of the user- The present invention is not limited thereto.

If the block chain validity is not authenticated and / or the user's password is not authenticated by checking the idle-state user-side withdrawal-related undecided password transaction details including the user's password account on the n-th block-chain network 1100, 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 200 (or the payment server 100) is connected to the block chain process based on the block chain algorithm implemented in the n-th block-chain network 1100, And the payment password transaction history is first included in the n < th > It may be used while performing a specified process 1645, the n-th cipher money to perform password monetary transaction process for the encryption based monetary payment. In this case, the operation server 200 (or the payment server 100) may determine that there is a user-withdrawal-related unconfirmed password transaction history previously broadcasted to the n-th block-chain network 1100 and / It is possible to perform a procedure of providing notification information to the user wireless terminal 400 that an error may (or may not) be caused by an undeclared cipher currency transaction detail related to the withdrawal, and thus the present invention is not limited thereto.

FIG. 17 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates an example in which, when authenticating at least one designated cipher billing validity, the operation server 200 (or the payment server 100) determines the cipher unit held in the user's cipher account of the n-th cipher FIG. 17 is a flow chart illustrating a process of performing a designated cigarette money transaction procedure to settle the amount to be paid by using the present invention. Referring to FIG. 17 and / or modified by the person skilled in the art, It will be appreciated that various implementations of the cryptographic process (e.g., some steps may be omitted, or alternate implementations) may be inferred, but the present invention includes all of the above- The technical features are not limited only by the method shown in FIG.

Referring to FIG. 17, when at least one designated password settlement validity is authenticated through the process of FIG. 16, the operation server 200 (or the payment server 100) (1715) a payment password transaction for withdrawing a payment password unit corresponding to the amount to be paid out and transferring the unit to a designated password account for settlement (1715) (1705) a process of broadcasting the generated password transaction details for settlement to the n-th block-chain network 1100 corresponding to the password. The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a 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 1105, and performs a process of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 1105 (1710).

Meanwhile, the operation server 200 (or the payment server 100) broadcasts the password transaction for settlement to the n-th block-chain network 1100, and then transmits the password- And confirms the information of the settlement based payment result (1715). If the password-based payment result information is confirmed, the operation server 200 (or the payment server 100) provides the password-based payment result information to the user wireless terminal 400 and / or the merchant terminal (1720), the user wireless terminal (400) and / or the merchant terminal (1725) receives and outputs the encrypted money based settlement result information.

100: Payment server 200: Operating server
205: information storage unit 210: transaction registration receiver
215: OTID receiving section 220: Transaction registration management section
225: registration result providing unit 230: recognition information receiving unit
235: Star / authentication processing unit 240: Transaction registration confirmation unit
245: Transaction information providing unit 250: Payment result processing unit
300: Merchant terminal 310: Interface unit
315: merchant payment department 320: merchant application
325: Information registering part 330: Transaction registering part
335: OTID verification unit 340: OTID registration unit
345: code generation unit 350: signal transmission processing unit
355: Result processing unit 360: Wireless device at the merchant point
370: OTID generating unit 375: OTID providing unit
380: Information verifying section 385: Information forming section
390: Signal transmitting unit 400: User wireless terminal
410: Short Range Wireless Unit 420: Operational App
425: Signal verification unit 430: Signal recognition unit
435: recognition information transmission unit 440: transaction information reception unit
445: transaction processor 450: payment application
455: status checking unit 460:
465: Payment processor 1100: Block Chain Network
1105: Node device 1110: Crypto-money block storage unit
1115: a crypto-money block updating unit 1120: a crypto-
1125: Cryptographic currency information management unit 1130: Cryptographic currency exchange rate storage unit
1135: Password Currency Exchange Rate Update Unit 1140: Payment Request Verification Unit
1145: Cryptographic currency exchange rate confirmation unit 1150: Cryptographic currency unit determination unit
1155: Password Money Confirmation Unit 1160: Password Money Account Confirmation Unit
1165: validity authentication unit 1170: cryptographic transaction processing unit
1175: Password Money Transaction Management Unit 1180: Result Information Identification Unit
1185: Providing result information

Claims (17)

A method for communicating with an affiliate shop terminal operated by an affiliate shop having a wireless device for transmitting a designated wireless signal and an operation server communicating with a user wireless terminal visited at an affiliate shop,
Wherein the operation server receives transaction registration information including amount information from an affiliate terminal operated by an affiliate store having the wireless device, identifies a merchant having the wireless device separately, A first step of receiving an OTID (One Time IDentification) generated through a merchant-side wireless device associated with the merchant-side terminal to uniquely identify a specific transaction for at least a certain period of time;
A second step of the operating server storing the transaction registration information and the OTID in association with each other;
Wherein the operating server includes an OTID that reads and recognizes the radio signal from a designated operating app of a user wireless terminal that has received a wireless signal transmitted in a short distance via a merchant wireless device provided at the merchant within the effective time of the OTID A third step of receiving recognition information;
The operating server reads the received OTID to uniquely identify the merchant having the wireless device, and at the same time, identifies any transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identified and authenticated merchant Step 4;
A fifth step of, when the transaction registration information is confirmed, the operation server providing transaction information including a transaction amount corresponding to the amount information of the transaction registration information to the operating app of the user wireless terminal;
The user wireless terminal checks the user's password account of the n-th cipher currency upon confirming a payment request using N (1? N? N) cipher currency among N (N? 1) And a password for withdrawing a settlement unit for the settlement from the user's cryptographic account of the n-th cipher system through an n-th block chain network implementing the n-th cipher system and transferring the settlement unit to the specified settlement cipher account, A sixth step of processing the money transaction procedure to be performed or confirming the result of the password money transaction procedure performed through the specified payment server; And
And a seventh step of providing cryptographic money based settlement result information for the cryptographic money transaction procedure to the user wireless terminal and the affiliated dealer terminal,
Wherein the transaction amount is shared in a payment application driven through the operating app in the user wireless terminal and used in a payment procedure of the activated payment app. Reverse payment method.
The method of claim 1,
The operation server (or the node device connected to the operation server) generates a block according to a block chain algorithm implemented on a designated block chain network,
The operation server (or the node device connected to the operation server) is created or agreed through a block chain algorithm implemented on a designated block-chain network, and a cipher money ,
And at least one cipher currency of an operating company issued through a block chain network implemented by an operator operating the operating server, wherein the at least one cipher currency is encrypted using an encrypted coin.
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- Performing a procedure of registering user-side encrypted money registration information; And
Further comprising the step of managing the user's password transaction by storing the user's password account information and the user's password transaction authentication information in a designated management DB in association with the user information, An asynchronous reverse payment method based on application interlocking using passwords.
The method according to claim 1,
Further comprising confirming exchange rate information for exchange between a cryptogram corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency and storing the exchange rate in the designated exchange storage area. An asynchronous reverse payment method based on an application-linked application.
5. The method of claim 4,
When the exchange rate information changes,
Further comprising the step of checking the exchange rate information that is changed every predetermined period and updating the exchange rate information stored in the designated exchange rate storage area. The asynchronous reverse payment method of claim 1, further comprising:
5. The method of claim 4,
When confirming the payment request using the n-th cipher currency,
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 a currency unit for settlement corresponding to the settlement amount based on the settlement exchange rate information.
7. The method according to claim 6,
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 change in the exchange rate information for a predetermined period of time. Based asynchronous reverse payment method.
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 > = 1) ciphers implemented on a block-chain is identified and designated Storing in a block storage area; And
Checking a new block newly created or agreed upon according to a block chain algorithm implemented on the N block-chain networks, and performing a procedure of chaining and updating the new block in a cryptographic block stored in a designated block storage area Wherein the wireless device is an asynchronous reverse payment method based on an app linkage using a password.
9. The method of claim 8,
And verifying the validity of the n-th cipher block by performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the n-th cipher block, And an asynchronous reverse payment method based on an app linkage using a cipher currency.
The method according to claim 1 or 8,
Wherein when a payment request using the n-th cipher currency is confirmed, a valid password which can settle the amount to be paid in the user's cipher currency account of the n-th cipher currency based on the latest updated n-th cipher block of the n-th cipher currency, And performing a password validation authentication procedure including a procedure for authenticating whether the user has a denomination of a currency unit. The method of asynchronous reverse payment based on an application interlocking with a wireless device and a password.
The method according to claim 1,
And a control unit for controlling the user to input the user's password into the withdrawal account of the cryptographic transaction recorded in the n-th block-chain network on the basis of the confirmation of the payment request using the n-th cipher currency upon checking the payment request using the n-th cipher currency, Further comprising the step of performing a cryptographic transaction validation authentication procedure including authenticating that there is no idle-state user-side withdrawal-related uncertified cryptographic transaction transaction details not included in the n-th cryptographic transaction block, An asynchronous reverse payment method based on an app linkage using a wireless device and a password.
12. The method of claim 11,
When the unconfirmed password transaction history of the user-side withdrawal is confirmed on the n-th block-chain network, the encrypted denomination unit included in the verified user-withdrawal-related undecided password currency transaction history and the encrypted And a step of authenticating whether or not the user has a valid cryptographic currency unit capable of paying the amount to be paid in the user's cryptographic currency account using at least one cryptographic currency unit of the currency unit And an asynchronous reverse payment method based on an app linkage using a cipher currency.
12. The method of claim 11,
N-th block-chain network, the method comprising: when the user confirms the uninitialized encrypted currency transaction history on the n-th block-chain network, associates the confirmed uninitialized password transaction with the block-chaining process based on the block- Further comprising the step of performing a designated procedure to include in the n < th > cipher text block the transaction details of the password transaction for settlement more than the denomination of the money transaction. Payment Method.
The method as claimed in claim 1,
A password cryptographic transaction for payment for transferring the cryptographic unit for payment corresponding to the amount to be paid out from the cryptographic unit held in the user's cryptographic currency account of the n-th cryptographic unit to the designated cryptographic unit To the n-th block-chain network. The method as claimed in any one of claims 1 to 5, wherein the asynchronous reverse payment method comprises:
The billing method according to claim 14,
An escrow cryptographic account of the n-th cipher currency designated for escrow which temporarily reserves the cipher unit of the cipher currency held in the user's cipher currency account of the n-th cipher currency for the exchange in the real currency unit, And an application-based asynchronous reverse payment method using a password.
The billing method according to claim 14,
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 wireless device is an asynchronous reverse payment method based on an app linkage using a password.
15. The method as claimed in claim 14,
And transmits the settlement result information including the result of the cryptogram-based settlement approval for the cryptographic currency transaction procedure to the user wireless terminal and the affiliate shop terminal within a predetermined time after broadcasting the settlement cryptographic currency transaction details to the nth block- The method as set forth in claim 1, further comprising the step of providing an asynchronous reverse payment based on an application interlocking operation using a password.

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