KR20190081548A - Method for Providing Asynchronous Reverse Direction Payment by using Sound Signal Device and Cryptocurrency - Google Patents

Abstract

The present invention relates to an asynchronous reverse direction payment method using a sound wave device and cryptocurrency. According to the present invention, the asynchronous reverse direction payment method is executed by an operation server capable of communicating with a user′s wireless terminal communicating with an affiliated store terminal operated by an affiliated store including the sound wave device transmitting a designated sound wave signal and visiting the affiliated store. The asynchronous reverse direction payment method includes: a step of receiving transaction registration information by the operation server; a step of generating a uniquely generated identification (UGID) by the operation server; a step of linking and storing the transaction registration information and the UGID by the operation server; a step of providing the UGID to the affiliated store terminal by the operation server; a step of receiving recognition information by the operation server; a step of checking the transaction registration information by the operation server; a step of providing transaction information by the operation server when the transaction registration information is checked; a step of executing a cryptocurrency transaction procedure or checking a result of the cryptocurrency transaction procedure; and a step of providing payment result information based on the cryptocurrency about the cryptocurrency transaction procedure to the user wireless terminal and the affiliated store terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asynchronous reverse payment method using a sound wave device and a password,

The present invention is characterized in that when a transaction registration information including amount information for reverse settlement is registered from a merchant terminal having a sound wave device for transmitting a specified sound signal, the franchisee having the sound wave device is uniquely identified separately, (Uniformly Generated IDentification) that uniquely identifies a specific transaction corresponding to the specific transaction corresponding to the specific transaction corresponding to the specific transaction, and provides the UGID to the merchant terminal When the identification information including the UGID (or the sound wave pattern matching the UGID) is received from the operating app of the terminal to identify and authenticate the merchant having the sound wave device, the operation app of the user wireless terminal If transaction information including the transaction amount corresponding to the transaction registration information registered in the server is provided, The mobile wireless terminal processes the payment for the transaction information by the operating app of the user wireless terminal. When the user wireless terminal requests payment using blockchain-based password, the user decides to use the password as the payment means .

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 sound wave device for transmitting a sound wave signal and registering transaction registration information including amount information for reverse payment from a merchant terminal, (Uniformly Generated IDentification) that uniquely identifies a specific transaction corresponding to the transaction registration information, and provides the UGID to the merchant terminal, and then transmits the transaction registration information to the merchant terminal side sound device When receiving identification information including the UGID (or a sound wave pattern matching UGID) from an operating app of a user wireless terminal that has received the sound wave transmitted in a short distance, and identifying and authenticating an affiliated store having the sound wave device, In response to the transaction registration information registered at the merchant who has been identified and authenticated by the operating app of the wireless terminal When transaction information including a transaction amount is provided, a payment for transaction information is processed by an operating app of the user wireless terminal, and when the user wireless terminal requests payment using a block chain-based password, And an asynchronous reverse payment method using a coded money, in which the coded money is processed by using the coded money as a payment means.

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 using a sound wave device and a cipher system according to the present invention includes an operation server communicating with an affiliate shop terminal operated by an affiliate shop having a sound wave device for transmitting a specified sound wave signal and communicating with a user wireless terminal visited at an affiliate shop Wherein the operating server comprises: a first step of receiving transaction registration information including amount information from an affiliate shop terminal operated by an affiliated store having the sound wave device; A second step of uniquely identifying a merchant and simultaneously generating a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information; and a second step of associating the transaction registration information with the UGID And the operation server provides the UGID to the merchant terminal The operation server reads the sound wave signal from the designated operating application of the user wireless terminal which receives the sound wave transmitted from the user's wireless terminal through the sound wave device at the merchant's point and transmits information corresponding to the recognized UGID And the operation server reads the UGID corresponding to the recognition information to uniquely identify the merchant having the sound wave device, and at the same time, selects the transaction registration information registered in the identification authenticated merchant, A sixth step of confirming a transaction registration information uniquely identified through the UGID, and a sixth step of, when the transaction registration information is confirmed, the operation server transmitting, to the operating app of the user wireless terminal, a transaction amount corresponding to the amount information of the transaction registration information (N > = 1) based on a 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 An eighth step of confirming the result of the encrypted money transaction procedure and a ninth step of providing the cryptographic money based settlement result information for the cryptographic money transaction procedure to the user wireless terminal and the merchant terminal, And is used for a payment procedure performed through an operating app of the user wireless terminal.

The asynchronous reverse payment method using a sound wave device and a cipher system according to the present invention is characterized in that the N cipher systems are connected to the operation server (or the node device connected to the operation server) by a block chain algorithm (Or a node device associated with the operation server) through a block chain algorithm implemented on a designated block-chain network, and generates a block according to a block chain algorithm Or a cryptogram of an operator issued through a block chain network implemented by an operator who operates the operation server, and at least one cryptogram of an operator issued through a block chain network, And the like.

In an asynchronous reverse payment method using a sound wave device and a cipher system according to the present invention, a method of asynchronous reverse payment using a sound wave device and a cipher system according to the present invention is a method of receiving a user's information about the user through an app of a user wireless terminal, A user side password money account information identifying a user password money account established to identify a cryptographic currency unit held in the user's cryptographic account and a cryptographic account unit A step of performing a procedure of registering user-side password money registration information including user-side password money transaction authentication information set for a password money transaction using the user-side password money transaction information, In association with the user information, Further comprising the step of managing passwords money transaction characterized in that formed.

In the asynchronous reverse payment method using the sound wave device and the cryptographic currency according to the present invention, the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the exchange rate information for exchange between the designated real currency are confirmed, The method of claim 1, further comprising the step of:

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, when the exchange rate information is changed, the step of checking the exchange rate information that is changed every designated period and updating the exchange rate information stored in the designated exchange rate storage area And the like.

In the asynchronous reverse payment method using the sound wave apparatus and the cipher system according to the present invention, when confirming a payment request using the n-th cipher system, based on the current exchange rate information between the n-th cipher system and the designated real system, Checking the settlement currency 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 using the sound wave 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, the present invention provides a system and method for controlling exchange rate of at least one of exchange rate information to hedge a loss due to exchange rate based on exchange rate information of a currency exchange rate, .

In an asynchronous reverse payment method using a sound wave apparatus and a cipher system according to the present invention, a block chain algorithm implemented on N block chain networks implementing N (N? 1) Identifying a cryptographic block including the cached blocks according to a block chain algorithm generated on the N block chain network and storing the coded block in a designated block storage area; And performing a process of confirming and chaining the ciphertext block stored in the designated block storage area and updating the ciphertext block.

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, in order to chain i (i? 2) blocks included in the nth cipher block, N) of the n < th > encryption block by verifying the validity of the n < th >

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, when confirming a payment request using the n-th cipher system, based on the latest updated n-th cipher system of the n-th cipher system, 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 cryptographic unit.

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, when confirming the payment request using the n-th cipher system, A password that includes the user's password money account as a withdrawal account among the password money transaction details broadcasted on the network and that does not include the idle state user's withdrawal related unrecognized password currency transaction details not included in the nth password currency block And performing a money settlement validity authentication procedure.

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, in the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, Whether or not the user has a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic currency account using at least one cryptographic unit of the encrypted currency unit contained in the transaction history and the encrypted currency unit held in the user's cryptographic currency account And performing a password validation authentication procedure including a procedure for authenticating a password.

In an asynchronous reverse payment method using a sound wave device and a cipher system according to the present invention, in the case of confirming the details of the user-side withdrawal-related undeclared cipher currency transactions on the n-th block-chain network, Further comprising the step of performing a designated procedure to include in the n-th cipher currency block the settlement transaction for the settlement of accounts in preference to the unconfirmed cipher transaction history of the user-related withdrawal associated with the algorithm-based block chaining process .

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, in the asynchronous cipher system, And a step of generating a billing password transaction transaction for withdrawing the cipher currency unit and transferring the cipher unit to the designated billing password account, and broadcasting the generated bill transaction to the nth block-chain network.

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, the billing password account may include the password cipher unit among the cipher units held in the user's cipher account of the n-th cipher And an escrow cryptographic currency account of the nth cryptographic currency designated for the escrow to be temporarily stored for the purpose of exchanging the real currency unit.

In the asynchronous reverse payment method using the sound wave device and the cipher system according to the present invention, the billing password account may include the password cipher unit among the cipher units held in the user's cipher account of the n-th cipher And a cryptographic money account in which the buyer purchases the cryptographic unit for settlement after requesting sale according to a designated cryptographic transaction procedure.

In the asynchronous reverse payment method using a sound wave device and a cipher system according to the present invention, the ninth step may include broadcasting the details of the password transaction for settlement to the n-th block-chain network, And providing the payment result information including the result of the password-based payment approval to the user wireless terminal and the affiliate shop terminal.

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave 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 merchant terminal and a sound wave 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 transaction registration process or a reverse UGID delivery process according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.
8 is a diagram illustrating a process of recognizing sound signals or providing transaction information of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a reverse payment process using an operating app according to an embodiment of the present invention.
10 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.
11 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.
12 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. 13 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. 14 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.
FIG. 15 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 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.

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

In more detail, FIG. 1 shows the sound wave device 360 when registering transaction registration information including money amount information for reverse payment from a merchant point side terminal 300 having a sound wave device 360 for transmitting a specified sound wave signal (UGID) that uniquely identifies a particular transaction corresponding to the transaction registration information, and provides it to the merchant terminal 300, and then registers the transaction registration information Receives the recognition information including the UGID (or a sound wave pattern matched with the UGID) from the operating application 420 of the user wireless terminal 400 that has received the sound wave transmitted from the sound wave device 360 at the merchant point side, When the merchant having the sound wave device 360 is identified and authenticated, the transaction registration information registered at the merchant identified and authenticated by the operating app 420 of the user wireless terminal 400 The mobile wireless terminal 400 processes the payment for the transaction information by the operating application 420 of the user wireless terminal 400. In the block wireless terminal 400, Based cipher system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the following description, (For example, some of the components may be omitted, or subdivided or combined) with respect to the reverse payment providing system using the sound wave device 360 of the merchant point, The present invention includes all of the above-described embodiments, and the technical features thereof are limited only by the method shown in FIG. 1 It does.

The system of the present invention is characterized in that a franchisee having an affiliate shop terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal and a sound wave device 360 transmitting a specified sound wave signal is distinguished (Or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the generated UGID in order to uniquely identify a specific transaction of the franchisee, An operating app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360 and performing a payment procedure for the transaction amount confirmed using the recognized UGID, (400), and an operation server (200) interlocked with the operating app (420) of the user wireless terminal (400) and capable of communicating with the affiliate shop terminal (300) operated by each affiliate shop. Interact with the server 200, or in conjunction with the operating app 420 and comprises a billing server 100 for performing the specified server-side payment process. 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 settlement using the cryptogram as a payment means, and a preferred embodiment thereof will be described with reference to FIG.

The merchant terminal 300 is a collective term of a terminal operated by an affiliated store including a sound wave device 360 for transmitting a sound wave signal. For example, 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 store for the reverse payment based on the affiliate shop-side acoustic wave device 360 according to the present invention, (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 merchant- ) 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.

And an affiliate shop-side sound wave device 360 for transmitting an acoustic wave signal assigned to an affiliate shop operating the affiliate shop-side terminal 300, and an affiliate shop application 320 specified in the affiliate shop-side 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-side sound wave 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 franchise-point-side terminal 300 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 300 among the terminals provided at the franchisee, information given to the franchise terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The franchise-point-side terminal 300 includes a separate inherent code (for example, a unique code that uniquely identifies a franchisee having a sound wave device 360 that transmits a specified sound wave signal, and / A unique code that uniquely identifies the merchant terminal 300 that is operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the sound wave device 360 that transmits the designated sound signal, ), 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, which is determined so as not to be duplicated to uniquely identify the merchant having the sound wave device 360 separately. (For example, merchant information such as a franchise number for payment in the forward direction) may be assigned to the merchant. Conventionally, the information allocated to the merchant has been transmitted to the merchant through the sound wave device 360, The unique code is provided with the sound wave device 360 at the merchant point to separately identify the merchant having the sound wave device 360 separately 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 sound wave 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 to the merchant terminal is information provided to identify only the merchant terminal regardless of whether the corresponding merchant terminal is provided with the sound wave device 360. On the other hand, The unique code includes the sound wave 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-side terminal 300 provided at the affiliated store including the sound wave 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 sound wave device 360 provided at the merchant. In order to uniquely identify the sound wave device 360, the sound wave device 360 provided at the merchant may be given a unique code value that is not duplicated. In this case, the code value assigned to the sound wave device 360 may be referred to as a sound wave device 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 evident that the inherent code of the present invention belongs to the scope of the present invention regardless of any code that is not redundantly assigned to uniquely identify the sound wave device 360.

According to the embodiment of the present invention, the affiliated shop terminal 300 (or an information registering terminal used at an affiliated store) operated by an affiliated store having the sound wave device 360 can receive the first 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 inherent code checking embodiment of the present invention, the inherent code is displayed on one side of the sound wave device 360 of the merchant point or includes a code value printed on the use manual of the sound wave device 360, In this case, the franchise owner (or employee) of the franchisee who receives (or purchases) the franchise-side sound wave device 360 receives the code value of the sound wave device 360 through the franchise shop- And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-side sound wave device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the sound wave 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 sound wave device 360 in conjunction with the merchant point-side sound wave 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 method of the present invention, the franchise-point-side terminal 300 transmits the unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant terminal 300 (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale device (360) associated with the terminal (300).

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 is provided with the sound wave device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment The procedure for registering the unique code may be omitted in the case of separately dynamically identifying a merchant and dynamically generating a code value type UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, It is clear that the embodiment that does not register the unique code can also be included in the scope of the right.

In the reverse payment based on the sound wave 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. In the meantime, according to an embodiment of the present invention, the unique code is provided to the merchant terminal 300 (or the merchant point side sound wave device 360 associated with the affiliated shop terminal 300) The transaction registration information may further include the unique code, and thus the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the sound wave device 360. On the other hand, the operating server 200 receiving the transaction registration information confirms whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is an affiliated merchant having the sound wave 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 franchisee operating the terminal 300 is a franchisee having the sound wave device 360.

When the merchant registering the transaction registration information is identified as a merchant having the sound wave device 360, the operation server 200 uniquely identifies the merchant having the sound wave device 360 separately, And generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information received from the terminal 300. [

The UGID of the present invention may be generated by an identification means having uniqueness generated uniquely and with an identification that identifies one or more designated objects. Preferably, the UGID of the present invention is created to have uniqueness that is not duplicated, and is at least one of the identifiability that uniquely identifies the merchant having the sound wave device 360 and the discrimination that uniquely identifies the specific transaction corresponding to the specific transaction registration information May be generated to have a single identity, and may preferably be multiple (or multiple) that uniquely identifies a merchant with the sound wave device 360 and uniquely identifies a particular transaction corresponding to the particular transaction registration information Complex) identity. The uniqueity of the UGID of the present invention and the distinctive identification of the merchant separately means that the UGID is created to have a unique value not overlapping with at least a plurality of merchants and the unique UGID of the present invention And having an uniqueness that uniquely identifies a particular transaction means that the UGID is created to have a unique value that is not duplicated for at least a plurality of transactions. In the meantime, the UGID of the present invention has a unique (uniqueness) unique identity and a unique (unique) identity that uniquely identifies a specific transaction. This means that the UGID is not duplicated for a plurality of merchants, It means that it is created to have a unique value that is not duplicated even for a plurality of transactions of each merchant.

Meanwhile, the UGID of the present invention can be generated with more randomness than the uniqueness and the identity according to the embodiment, and based on the UGID, the UGID can also be used as an authentication means for authenticating the identification means while being used as the identification means. For example, while a password or a disposable password is used only as an authentication means for authenticating an identified subject, the UGID of the present invention is generated with more randomness in addition to uniqueness and discrimination, so that it is used as an identification means by itself, May also be used in combination.

According to the embodiment of the present invention, the operating server 200 can identify a unique code that uniquely identifies a merchant having the sound wave device 360, and can read the unique code only through a predetermined specific device / server And generate a Unique Generated IDentification (UGID) of a designated code system having different code values for each transaction corresponding to the transaction registration information.

According to the first UGID generation embodiment of the present invention, the operation server 200 confirms a unique code that uniquely identifies a merchant having the sound wave device 360 and time information read according to a specified rule, It is possible to generate a UGID concealed with the inherent code by performing a specified encoding procedure using at least one of the inherent code and time information as parameters of an encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the second UGID generation embodiment of the present invention, the operation server 200 confirms a unique code that uniquely identifies a merchant having the sound wave device 360 and random number information generated through a specified algorithm , And generates the UGID hiding the unique code by performing the designated encoding procedure using the unique code and the random number information as at least one of the parameters of the encoding rule for generating the code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the third UGID generation embodiment of the present invention, the operation server 200 transmits a unique code that uniquely identifies a merchant having the sound wave device 360, time information read according to a specified rule, And generating a code value of the specified code system by using the inherent code, the time information, and the random number information as at least one of parameters of an encoding rule for generating a code value of the designated code system, You can create a UGID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the fourth UGID generation embodiment of the present invention, the operation server 200 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 UGID hiding the unique code, The UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule used to hide the unique code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule and the key value and read the unique code hidden in the UGID.

According to the fifth UGID generation embodiment of the present invention, the operation server 200 exchanges a specified key value with a specific device / server from which a unique code is to be read from a UGID that has hidden the inherent code, The UGID can be generated by encoding a series of information including the unique code according to a designated encoding rule using the read-out date information according to the UGID. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule, key value, and date information, and read the unique code hidden in the UGID.

According to the sixth UGID generation embodiment of the present invention, the operation server 200 may store the unique code by at least partially combining at least two embodiments among the first through fifth UG ID generation embodiments It is possible to generate a UGID, and thus the present invention is not limited thereto.

Meanwhile, according to another UGID generation embodiment of the present invention, the operation server 200 includes (or hides) a temporary unique code determined not to be duplicated for at least a certain period of time without hiding the unique code, And a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

If the UGID is generated through at least one of the UGID generation embodiments, the operation server 200 may store transaction registration information (or at least some transactions including the money amount information) received from the merchant terminal 300 Registration information) and the UGID are linked and stored in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction registration information and the UGID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the UGID.

After storing the UGID and the transaction registration information in the designated storage medium, the operation server 200 provides the registration result information including the UGID to the affiliated member terminal 300. If the customer terminal 200 transmits the sound wave signal including the sound wave pattern matching the UGID instead of the sound wave signal obtained by encoding the UGID in the member shop side sound wave device 360, (Further) that includes (further) the sound wave pattern information matching the UGID and corresponding to the sound wave pattern to be transmitted through the sound wave device 360 (or the sound wave pattern ID identifying the sound wave pattern to be transmitted from the sound wave device 360) In this case, the sound wave device 360 may transmit a sound wave signal including a sound wave pattern corresponding to the sound wave pattern information (or the sound wave pattern ID).

The merchant terminal 300 receives the registration result information including the UGID from the operation server 200 and provides the UGID to the designated merchant-side sound wave device 360 so that the sound wave device (Or a sound wave signal including a sound wave pattern matched with the UGID), which is obtained by encoding the UGID. If the merchant terminal 300 transmits the sound wave signal including the sound wave pattern matching the UGID instead of the sound wave signal obtained by encoding the UGID in the merchant sound wave device 360, (Further) the sound wave pattern information corresponding to the sound wave pattern to be transmitted from the sound wave device 360 (or the sound wave pattern ID for identifying the sound wave pattern to be transmitted from the sound wave device 360) The sound wave pattern information (or the sound wave pattern ID) is provided to the sound wave device 360 so that the sound wave signal including the sound wave pattern matching the UGID can be transmitted through the sound wave device 360.

According to the embodiment of the present invention, the franchise point-side terminal 300 is configured to authenticate the validity of the registered transaction registration information with a franchise point (= a franchisee having a designated sound wave device 360) uniquely identified through the UGID 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 UGID 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 UGID and the disposable code to the designated affiliate shop-side sound wave device 360, thereby generating the sound wave signal in which the UGID and the disposable code are encoded through the sound wave device 360 within a specified effective time It can be processed to send out.

Meanwhile, according to another embodiment of the present invention, the disposable code can be dynamically generated through the sound wave device 360 of the merchant point (in this case, the merchant point side terminal 300 is connected to the merchant point sound wave device 360 The subscriber terminal 300 can provide the UGID to the designated merchant-side sound wave device 360. In this case, the subscriber-side terminal 300 can provide the UGID The customer-side sound wave device 360 dynamically generates the one-time code of the designated code system by substituting the designated seed values into the designated code generation algorithm, and then transmits the sound wave signal obtained by encoding the UGID and the one- can do.

The franchise-point-side sound wave device 360 is a collective term of a device that is installed in / operated in the affiliate shop and transmits a sound wave signal of a specified frequency band that is received and recognized by the user wireless terminal 400 at a near location. (Or a sound wave signal including a sound wave pattern matched with the UGID) at a short distance, and transmit the sound wave signal obtained by encoding the UGID and the disposable code at a short distance according to an implementation method.

The present invention is characterized in that it transmits a sound wave signal (or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the UGID through a separate sound wave device 360 provided at an affiliate shop, (360), and automatically identifies a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, the merchant terminal (300) Even if the transaction registration information for the next reverse payment is registered before the reverse payment for the previously registered transaction registration information is completed, each reverse payment is processed asynchronously.

According to the method of the present invention, the merchant-side sound wave device 360 is connected to at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC and RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side sound wave device 360 receives the analogized sound wave signal (for example, the audio frequency domain or the non-audible frequency domain) in a designated frequency domain through a specified sound wave output device The digital information designated by the transmitted sound wave signal may be encoded and transmitted, or the sound wave signal including the designated sound wave pattern may be transmitted.

According to the first sound wave signal transmission embodiment of the present invention, the franchise point side sound wave device 360 is input through the sound wave input part 410 provided in one or more designated user wireless terminals 400, Related information, and then codes the information specified in accordance with the sound-wave encoding rule for encoding the digital information so as to be able to recognize the information encoded in the sound wave signal read through the designated app installed in the corresponding wireless terminal 400 It is possible to generate and transmit a sound wave signal, or to encode and send information designated by a specified sound wave signal. Preferably, the sound wave signal may be encoded with a UGID, and one or more designated information may be further encoded, such as at least one code for authenticating an object identified through a UGID according to an implementation method. On the other hand, the sound encoding rule is a rule for encoding a bit stream consisting of '0' and '1' in a sound wave signal (for example, a pseudo noise region of a sound wave signal, (For example, a method of inserting and encoding in a noise region), or a rule for matching a designated frequency (or combination of frequencies) and a designated digit (e.g., a DTMF method or a method of applying the same) , And it is evident that any rule is included in the sound wave encoding rule of the present invention if it is a rule capable of encoding digital information in a sound wave signal.

According to the second sound wave signal transmission embodiment of the present invention, the merchant-side sound wave device 360 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, And then transmits the sound wave signal including the sound wave pattern that can be read and encoded through the designated application installed in the corresponding wireless terminal 400 after being digitized through the built- For example, the sound wave device 360 can transmit 1 million distinct sound patterns different from each other, and the designated application of the user wireless terminal 400 can transmit 1 million sound waves Patterns can be discriminated and recognized, and the 1 million sound wave patterns include a pattern structure that is matched with a code value of one million different from each other or interpreted as different bit combinations within a specified number of bits (for example, 32 bits) Lt; / RTI > Preferably, the sound wave signal includes a sound wave pattern having a pattern structure interpreted as a combination of bits constituting the UGID, and / or a sound wave pattern corresponding to separate sound wave pattern information matching the UGID The sound wave pattern corresponding to the sound wave pattern ID identifying the sound wave pattern matched with the UGID among the sound wave patterns in the specified number of sound wave patterns included in / .

The franchise point side sound wave device 360 of the present invention may be any device capable of transmitting a sound wave signal recognizable by the designated application of the user wireless terminal 400 based on at least one or two combinations of the sound wave signal transmission examples And the scope of the present invention is clearly defined.

According to the embodiment of the present invention, the merchant-side sound wave device 360 receives information necessary for transmitting a sound wave signal designated from the affiliate shop-side terminal 300 and receives the sound wave signal (or UGID And a sound wave signal including a sound wave pattern matched with the sound wave signal). Alternatively, the merchant-side sound wave device 360 may receive the UGID and the disposable code from the merchant-side terminal 300 and transmit the sound wave signal obtained by encoding the UGID and the disposable code 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, the embodiment in which the sound wave device 360 transmits the sound wave signal obtained by encoding the UGID and the disposable code.

The user wireless terminal 400 is a collective term of a wireless terminal having a constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, (400) is an operating app (420) for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device (360), confirming the transaction amount using the recognized UGID, and performing the transaction procedure for the transaction amount Installation can be executed.

The user wireless terminal 400 is a collective term of a wireless terminal having a constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, The operation app 420 is installed and operated to recognize the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360. The operation app 420 uses the UGID recognized through the operation app 420 to calculate a transaction amount And a payment application for performing the payment procedure of the transaction amount can be installed and executed.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal at the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, at the same time that the operating app 420 is activated (or activated), it is checked whether the sound wave input unit 410 of the user wireless terminal 400 is activated to input a specified sound wave signal, and the sound wave input unit 410 And if not activated, a series of procedures for activating the sound wave input unit 410 may be performed. When the sound wave input unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the sound wave input unit 410 through the activated sound wave input unit 410 It is possible to wait for input of the sound wave signal transmitted from the sound wave device 360 of the merchant point and to read out the digitized data of the sound wave signal transmitted through the sound wave device 360 and input through the sound wave input part 410 The UGID and the disposable code included in the sound wave signal can be recognized.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal at the merchant- May be driven (or activated) by the user wireless terminal 400 and the operating application 420 that is driven (or activated) may determine whether to transmit or receive sound waves to and from the merchant-side sound wave device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 360 by the user based on the interface screen, the operating application 420 may transmit the sound wave signal to the sound wave outputting unit 408 of the user wireless terminal 400 And transmits the request signal requesting the merchant point-side sound wave device 360 to transmit the specified sound wave signal, and the merchant point-side sound wave device 360 generates the sound wave signal in which the UGID and the disposable code are encoded based on the request signal Can be transmitted.

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 sound wave device 360 may transmit the sound wave signal including the UGID 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 inputted sound wave signal and recognizes the identifier, so that the sound wave signal inputted by the operating app 420 of the user wireless terminal 400, It is possible to recognize that it is a sound wave signal transmitted through the antenna 360.

The operating app 420, which has transmitted the request signal to the merchant-side sound wave device 360, receives the sound wave signal corresponding to the request signal from the merchant-side sound wave device 360, digitizes the inputted sound wave signal The UGID and the disposable code included in the sound wave signal can be recognized by reading the data.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the sound wave signal designated by the merchant-point-side sound wave device 360 and receives the sound wave signal specified in the procedure (Or activated). The operating app 420 activated (or activated) by receiving the sound wave signal can read the digitized data of the input sound wave signal and recognize the UGID and the disposable code included in the sound wave 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 UGID and the disposable code included in the sound wave signal input through the sound wave input unit 410, and thus the present invention is not limited thereto.

When the UGID and the disposable code included in the sound wave signal input from the sound wave device 360 of the merchant through the at least one embodiment of the first to fourth operating modes of operation are recognized, Configures recognition information including the recognized UGID 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 recognition information including a UGID and a disposable code via a communication network designated from the operating app 420 of the at least one user wireless terminal 400.

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

According to the embodiment of the present invention, the operation server 200 reads the code system of the unique code read out from the UGID, and confirms whether the unique code is a code that uniquely identifies a merchant having the specified sound wave 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 sound wave device 360 through a unique code read from the UGID, Corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 360 by confirming that the unique code read from the UGID is a unique code that uniquely identifies the affiliated store with the sound wave device 360 Can be identified and authenticated.

According to the embodiment of the present invention, the operation server 200 inquires a storage medium for associating and storing merchant-related information with a unique code of a merchant having the sound wave device 360 through a unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any one of the merchants having the sound wave device 360 corresponding to the unique code read out from the UGID.

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 transmits the disposable code related to the affiliated merchant (Or a unique code read out from the UGID), and based on the seed information, identifies at least one fixed seed value and at least one dynamic seed value (e.g., corresponding to the current time 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 UGID is used as identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying the object identified through the UGID (e.g., a merchant with a sound device 360 and / The transaction registration information that is uniquely identified for a certain period of time through the UGID 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.

On the other hand, when an affiliate shop corresponding to a unique code read out from the UGID among the affiliated stores having the sound wave device 360 is identified and authenticated (or when the affiliate shop corresponding to the unique code read out from the UGID is identified and authenticated, The operation server 200 transmits a transaction registration information that is uniquely identified for a predetermined period of time through the UGID among the transaction registration information registered from the affiliate shop terminal 300 operated by the identified and authenticated merchant Check. According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the information is any one of transaction registration information, and the operation server 200 is unique in the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID for a predetermined time It is possible to confirm any transaction registration information that is identified.

Meanwhile, according to the embodiment of the present invention, when the validity time of the UGID has not elapsed but transaction registration information uniquely identified through the UGID is not confirmed, the merchant terminal 300 The UGID may be transmitted first through the merchant point-side sound wave 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 period of time to be registered through the UGID from the merchant terminal 300 during the valid time (or a designated timeout) of the UGID , Transaction registration information uniquely identified for a certain period of time can be confirmed through the UGID among the transaction registration information registered within the valid time (or the designated timeout). Alternatively, the operation server 200 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 UGID , And then receives recognition information including the UGID (or a sound wave pattern matched with UGID) from the operating app 420 of the user wireless terminal 400 again to identify and authenticate the merchant having the sound wave device 360 The process of confirming the uniquely identified transaction registration information through the UGID can be performed again.

If any transaction registration information that is uniquely identified for a predetermined period of time is identified through the UGID from among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is uniquely identified through the UGID, (200) 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.

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. Meanwhile, if the transaction information has the same configuration information as the transaction registration information, the operation server 200 may not separately manage the UGID and the 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 The transaction information including the registered merchant-related information may be received, and the transaction information may be output through the designated interface screen on the designated 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 payment of transaction information, the operating app 420 of the user wireless terminal 400 transmits payment information for payment processing of the transaction amount through the designated payment interface on the basis of the payment processing decision (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, (For example, card information registered on the server side, account information, etc.) usable in the operating app 420 to process payment for the transaction amount.

The payment server 100 is a general term for a server that performs a server-side settlement procedure corresponding to a terminal-side settlement procedure performed in the operating application 420 of the user wireless terminal 400 to approve payment of a specified transaction amount, (For example, a payment approval server) of the financial institution that issued the payment means, and a payment server 100 of the payment provider associated with the financial company server that issued the payment means .

According to an embodiment of the present invention, when the payment server 100 is provided in a financial institution, the payment server 100 can store and manage payment means information corresponding to the user payment means for easy settlement. In this case, when the token information mapped to the payment means information is received via the designated path, the payment server 100 extracts the stored payment means information based on the token information and approves payment of the specified transaction amount Server-side settlement procedures can be performed. On the other hand, when the payment server 100 is not provided to the financial company, the payment server 100 may store and manage token information for identifying the payment means information provided in the financial company server, Side payment procedure by requesting to approve the settlement of the transaction amount by transmitting the token information and the designated transaction amount to be identified. On the other hand, in a case where the payment is not a simple settlement, which is not a terminal settlement procedure performed by the operating app 420, the settlement means 100 may not store the payment means information and / or use the token information. The invention is not limited.

The operating app 420 of the user wireless terminal 400 performs a terminal side settlement procedure for interworking with the payment server 100 via a designated path, 200), or via a specified relay server (for example, a PG server, a relay server of the settlement provider associated with the operation app 420, etc., not shown) linked with the settlement server 100 of the specified settlement system The operating app 420 can be linked directly with the payment server 100 of the designated payment system according to the method of operation (for example, the payment server 100 of the payment system specified in the application) ), Or the like), or the like.

According to the first payment procedure embodiment of the present invention, the operating application 420 may perform the terminal-side payment procedure specified in the application to process the settlement of the transaction amount in conjunction with the operation server 200, Side billing procedure associated with the terminal-side settlement procedure to the payment server 100 of the specified billing system in conjunction with the operation server 200 while performing the designated-terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, The terminal side settlement procedure performed in the operating app 420 and the server side settlement procedure of the settlement server 100 may be interlocked so that settlement of the transaction amount is approved.

According to the second payment procedure embodiment of the present invention, the operating app 420 may interwork with a designated relay server (e.g., a PG server, a payment provider server associated with the operating app 420, etc.) The payment server can perform the settlement procedure specified in the app to process the settlement of the transaction amount in cooperation with the relay server, 100) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, 420) and the server-side settlement procedure of the settlement server 100, so that the payment of the transaction amount is approved.

According to the third embodiment of the payment procedure of the present invention, the operating app 420 can be directly linked with the payment server 100 of the designated payment system, and can process payment of the transaction amount in cooperation with the payment server 100 Side payment procedure in the application and perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 100 while performing the specified-terminal-side payment procedure . Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure.

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 chain-based encrypted money is used as a payment means is shown in FIG. 10 below.

When the server-side payment procedure for the transaction amount is completed through the operation server 200 or the payment server 100, the operating application 420 of the user wireless terminal 400 transmits a path for performing the payment procedure The settlement result information including the settlement result of the transaction amount can be provided.

Meanwhile, when the operation server 200 participates in the settlement procedure of the transaction amount according to the first settlement procedure embodiment, the operation server 200 transmits settlement result information including the settlement result of the transaction amount during the settlement procedure Can be confirmed. Alternatively, in the case of the second settlement procedure embodiment, the operation server 200 receives settlement result information including the settlement result of the transaction amount from at least one of the relay server, the settlement server 100, and the operation app 420 . Alternatively, in the case of the third payment procedure embodiment, the operation server 200 may receive payment result information including the settlement result of the transaction amount from at least one of the payment server 100 and the operation app 420. The operation server 200 provided with the settlement result information may provide the settlement result information to the designated merchant terminal 300 and the merchant terminal 300 may receive and output the settlement result information .

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 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. 10 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 sound wave device 360, And is capable of communicating with the payment server 100 on the specified payment system.

Referring to FIG. 2, the operation server 200 may include an affiliate store registration information for an affiliated store having a sound wave 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 sound wave device 360 and storing the unique code in association with the merchant- Respectively.

The franchise point terminal 300 having the sound wave device 360 (or a separate operating terminal or the like) stores the franchise registration information on the franchisee, the franchise point information on the franchisee for payment, , 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 store having the sound wave device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the sound wave device 360 requests registration of a unique code that uniquely identifies the corresponding 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.

On the other hand, in the case of generating and authenticating the one-time code during the reverse payment of the merchant with the sound wave device 360, the merchant terminal 300 transmits seed information related to the seed value for generating / authenticating the one- The information storage unit 205 stores a seed value required to generate / authenticate a disposable code with the merchant terminal 300 (or the merchant point side sound wave 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 having the sound wave device 360 A UGID generating unit 215 for uniquely identifying a merchant having the sound wave device 360 and generating a Unique Generated IDentification uniquely identifying a specific transaction corresponding to the transaction registration information, A transaction registration management unit 220 for storing the transaction registration information and the UGID in association with each other, and a UGID providing unit 225 for providing the UGID to the merchant terminal 300.

The merchant terminal 300 having the sound wave device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and constructs transaction registration information including the amount information to transmit to the operation server 200 The transaction registration receiving unit 210 receives transaction registration information including the 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 UGID generator 215 separately identifies a merchant having the sound wave device 360 and identifies a unique transaction corresponding to the transaction registration information received from the merchant terminal 300 .

According to the embodiment of the present invention, when a unique code of a merchant having the sound wave device 360 is registered through the information storage unit 205 (or the unique code is included in the transaction registration information), the UGID The generating unit 215 identifies a unique code that uniquely identifies a franchisee having the sound wave device 360 separately, and hides the unique code so that it can be read only through a predetermined specific device / server, It is possible to generate the UGID of the designated code system generated so as to have a different code value for each transaction corresponding to each transaction. Preferably, the UGID generator 215 may generate a UGID concealed with the unique code according to at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, according to another embodiment of the present invention, the UGID generator 215 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the sound wave device 360 ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

When the UGID is generated through the UGID generation unit 215, the transaction registration management unit 220 registers transaction registration information received through the transaction registration receiving unit 210 (or at least some transaction registration information including the amount information) Information) and the UGID generated through the UGID generator 215 in association with each other, and stores and manages the UGID in a designated storage medium. Preferably, the UGID includes a valid time that is valid for a predetermined time, and the transaction registration management unit 220 stores and manages the UGID in a storage medium designated to hold the UGID during the valid time of the UGID .

The UGID provider 225 constitutes registration result information including the UGID and provides registration result information including the UGID to the merchant terminal 300 that transmitted the transaction registration information, (300) can confirm the UGID generated through the operation server (200) by using the registration result information.

The merchant terminal 300 provided with the UGID receives the sound wave signal (or the sound wave signal matching the UGID) encoded by the UGID through the merchant point side sound wave device 360 associated with the merchant terminal 300, And the sound wave device 360 of the merchant point is notified to the merchant through the at least one embodiment of the first to third disposable code generation embodiments of the present invention in addition to the UGID, A disposable code generated at the terminal 300 or at least one disposable code generated through the sound wave device 360 can be transmitted. Hereinafter, the features of the present invention will be described focusing on an embodiment in which an acoustic wave signal obtained by encoding the UGID and the disposable code is transmitted by the acoustic wave device 360 for convenience.

The sound wave signal transmitted through the merchant-side sound wave device 360 is received by the user wireless terminal 400 through at least one of the first through fourth operating app operation embodiments of the present invention, ). ≪ / RTI > The sound wave signal transmitted through the sound wave device 360 may be received by one or more wireless terminals existing within a certain distance of the sound wave device 360, The user wireless terminal 400 executing the operating app 420 can read the input sound signal through the operating app 420 and recognize the UGID and the disposable code included in the sound signal. When the operating app 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the sound wave device 360 to send the sound wave signal to the near- And transmits the sound wave signal obtained by encoding the UGID and the disposable code on the basis of the request signal in the sound wave device 360, the operating app 420 of the user wireless terminal 400 may transmit the sound wave signal, The UGID and the disposable code can be recognized by reading the sound wave signal input from the sound source 360. Meanwhile, the sound wave device 360 may control the signal intensity so that the sound wave signal can effectively reach a predetermined distance or less, and transmit the sound wave signal to the user wireless terminal 400, which receives the sound wave signal, The operating app 420 of the user wireless terminal 400 can be driven (or activated) by receiving the sound wave signal to recognize the UGID and the disposable code included in the sound wave signal.

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

Referring to FIG. 2, the operation server 200 determines whether or not the specified operation (operation) of the user wireless terminal 400 that has received the sound wave transmitted from the franchise point side sound wave device 360, A recognition information receiving unit 230 for receiving recognition information including the recognized UGID (or a sound wave pattern matched with UGID) by reading the sound wave signal from the application 420, and a recognition unit 230 for reading the received UGID, An identification / authentication processing unit (235) for identifying and authenticating the user terminal (300) as a merchant having the sound wave device (360) A transaction registration confirmation unit 240 for confirming any transaction registration information identified by the transaction registration information and an operation app 420 of the user wireless terminal 400 upon confirming the transaction registration information, And a transaction information providing unit (245) for providing transaction information including a corresponding transaction amount. The transaction information providing unit (245) checks the settlement result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, And a settlement result processing unit 255 for processing the settlement result as a settlement result. When payment of the transaction amount is performed via the operation server 200, the operation application 420 of the user wireless terminal 400, And a settlement processing unit 250 for processing the settlement procedure of the transaction amount in cooperation with the payment transaction processing unit 250.

When the operating app 420 of the user wireless terminal 400 reads the sound wave signal and constructs recognition information including the recognized UGID and the disposable code and transmits the recognition information, 400 from the operating application 420 of the UGID and the disposable code.

The identification / authentication processing unit 235 reads the UGID included in the recognition information and reads the unique code concealed in the UGID. Preferably, the identification / authentication processor 235 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code concealed in the UGID. For example, if the UGID is generated through at least one of the UGID generation embodiments of the present invention, the identification / authentication processing unit 235 may perform decoding (decoding) corresponding to at least one of the UGID generation embodiments The UGID can be read according to the rule and the inherent code hidden in the UGID can be read.

According to the embodiment of the present invention, the identification / authentication processing unit 235 reads a code code of the unique code read from the UGID, and separately codes a unique identification code for a merchant having the sound wave device 360, .

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the UGID, 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 UGID to confirm whether the inherent code read from the UGID is a unique code that uniquely identifies the affiliated point having the actual acoustic wave device 360, 360), and at the same time, confirm that the sound wave device (360) is provided to the identified merchant.

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the UGID, and stores the unique code registered through the information storage unit 205 in association with merchant-related information (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the UGID, and confirms the merchant-related information corresponding to the unique code read from the UGID It is possible to identify any one of the affiliated stores corresponding to the unique code read out from the UGID among the affiliated stores including the sound wave device 360 and to certify that the identified acoustic shop 360 is equipped with the affiliated store.

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 UGID) corresponding to the affiliated merchant that is identified and authenticated, identifies seed information associated with the merchant-related information (or the unique code read out from the UGID) corresponding to the identified and authenticated merchant, and identifies one or more fixed seed values 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 UGID is used as identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying the object identified through the UGID (e.g., a merchant with a sound device 360 and / The transaction registration information that is uniquely identified for a certain period of time through the UGID 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 UGID) corresponding to the UGID among the affiliated stores having the sound wave device 360 (or the affiliated store corresponding to the UGID 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 confirms a transaction registration information uniquely identified through the UGID.

According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the transaction registration information is any one of the transaction registration information and the transaction registration confirmation unit 240 identifies the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID It is possible to confirm a transaction registration information which is uniquely identified.

Meanwhile, according to the embodiment of the present invention, when the validity time of the UGID has not elapsed but transaction registration information uniquely identified through the UGID is not confirmed, the merchant terminal 300 The UGID may be transmitted first through the merchant point sound wave device 360 and recognized through the operating app 420 of the user wireless terminal 400. In this case, (Or a designated timeout) from the merchant terminal 300, it is possible to wait for registration of transaction registration information uniquely identified for a predetermined time period via the UGID, The transaction registration information uniquely identified for a predetermined period of time can be confirmed through the UGID of the registration information. Alternatively, the transaction registration confirmation unit 240 provides information requesting the merchant terminal 300 (or the user wireless terminal 400) to register transaction registration information to be uniquely identified for a predetermined period of time through the UGID And then receives recognition information including the UGID (or a sound wave pattern matching UGID) from the operating application 420 of the user wireless terminal 400 again to identify the merchant having the sound wave device 360 And confirm the uniquely identified transaction registration information through the UGID.

If any transaction registration information uniquely identified for a predetermined period of time is confirmed through the UGID from among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is uniquely identified through the UGID, The provider 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 UGID 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, . Upon determining the payment transaction of the transaction information, the operational application 420 may provide a payment interface corresponding to at least one embodiment (or at least a partial combination of two or more embodiments) of the first through third payment procedure embodiments of the present invention (For example, a set of pieces of information necessary for settlement among the pieces of settlement information of the transaction information) for settlement of the transaction amount (however, when the transaction information is directly used as the settlement information, the transaction information displayed on the interface screen is used (Or at least a partial combination of two or more embodiments) of the first to the third settlement procedure embodiments of the present invention, and can perform the settlement procedure for the settlement of the transaction amount through the at least one embodiment And a payment server (100) of a specified billing system linked to the operating app (420) via a designated path, Payment may be approved.

Meanwhile, if the settlement procedure for processing settlement of the transaction amount is processed through a route via the operation server 200, the settlement processing unit 250 may receive the operation application 420 of the user wireless terminal 400 Side settlement procedure performed through the payment server 100 of the designated settlement system to perform the settlement procedure of the transaction amount, and the settlement result processing unit 255 may process The settlement processing unit 250 can confirm the settlement result information including the settlement result of the transaction amount in connection with the process of linking the settlement procedure.

Meanwhile, when the settlement process of the transaction amount is performed via the designated relay server, the settlement result processing unit 255 receives settlement of the transaction amount from at least one of the relay server, the payment server 100, And payment result information including the result can be provided. The payment transaction processing unit 255 may receive at least one of the payment server 100 and the operating app 420 when the payment transaction process of the transaction amount is directly performed by the payment server 100 and the operating application 420, The payment result information including the settlement result of the transaction amount can be provided from one. The payment result processing unit 255 may provide the payment result information to the designated merchant terminal 300 and the merchant terminal 300 may receive and output the payment result information.

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

More specifically, FIG. 3 illustrates a functional configuration of a merchant terminal 300 operated by an affiliated store having a sound wave device 360 and a sound wave device 360 provided at the affiliated store, It is possible to refer to and / or modify the FIG. 3 to various methods (for example, some of the constituent parts are omitted or the functions of the sound wave device 360 are omitted) 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 generic name of a nonvolatile memory included in the terminal 300 and includes at least one program code executed through the terminal control unit 302 and at least one data set used by the program code And stores it. 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 sound wave device 360 provided at the affiliate store and 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.). Preferably, the franchise-point-side terminal 300 may operate in conjunction with the sound wave 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 sound wave 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 merchant registration information for a merchant having the sound wave device 360, merchant information given to the merchant for settlement, and terminal information provided at the merchant shop 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 sound wave 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 sound wave device 360 of the merchant point).

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 A transaction registering unit 330 for registering and registering a transaction corresponding to the transaction registration information, and a franchisee having the sound wave device 360 separately from the operation server 200, (= A franchisee having a sound wave device 360) identified through the UGID and a UGID receiving unit 335 for receiving the UGID of the transaction registration information identified by the UGID, And a code generation unit 340 for generating a one-time code including a code value of the designated code system.

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 receives the transaction registration information including the money amount information and uniquely identifies the merchant having the sound wave device 360 according to at least one embodiment of the UGID generation embodiment of the present invention And simultaneously generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information received from the merchant terminal 300. Preferably, the UGID may be generated so as to be able to read the designated unique code only through a predetermined specific device / server and to have different code values for each transaction corresponding to the transaction registration information. The operation server 200 may store the transaction registration information and the UGID in association with each other, and may provide registration result information including the UGID to the merchant terminal 300. The UGID receiver 335 may receive And receives the UGID from the server 200.

The code generating unit 340 may include a code value of a code system designated for authenticating the validity of the registered transaction registration information with a merchant's point (= a merchant having the designated sound wave device 360) uniquely identified through the UGID You can create a one-off code to do this. The code generation unit 340 may generate the disposable code through at least one of the first through third disposable code generation embodiments of the present invention.

Referring to FIG. 3, the merchant application 320 of the merchant terminal 300 receives the sound wave signal (or the sound wave signal) obtained by encoding the UGID through the merchant-side sound wave device 360 connected through the interface unit 310 (Sound wave signal including a sound wave pattern matched with the UGID) to be sent out in a short distance.

The signal transmission processing unit 345 confirms the UGID received through the UGID receiving unit 335 and provides the UGID to the affiliated store-side sound wave device 360 connected through the interface unit 310 within the designated effective time The sound wave signal obtained by encoding the UGID (or the sound wave signal including the sound wave pattern matched with the UGID) may be transmitted through the sound wave device 360 in a short distance. Meanwhile, when the disposable code is generated through the code generation unit 340, the signal transmission processing unit 345 transmits the UGID received through the UGID receiving unit 335 and the generated disposable code to the interface unit 310, To the merchant-side sound wave device 360 via the sound wave device 360, so that the sound wave signal obtained by encoding the UGID and the disposable code can be transmitted through the sound wave device 360 in a short distance. Meanwhile, the disposable code may be generated through the sound wave device 360 and included in the sound wave signal.

Referring to FIG. 3, the franchise point side sound wave device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and an acoustic signal unit 368.

The device control unit 362 is a generic term for controlling the operation of the sound wave device 360 of the merchant point and 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 sound wave device 360 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 360. 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 sound wave device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a collective term for a nonvolatile memory included in the sound wave device 360 and includes at least one program code executed through 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 sound wave device 360, a communication program code and communication data set for processing a wireless communication connection of the sound wave 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.). Preferably, the franchise-point-side sound wave device 360 may be interlocked with the franchise-point-side terminal 300 provided at the franchisee through the terminal interlocking portion 364.

The sound wave signal unit 368 is a collective term for a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and transmits a sound wave signal of a specified frequency band that can be digitized. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 368 modulates the information set generated through the device control unit 362 into a sound wave signal of a designated frequency band and outputs the signal wave (for example, a signal capable of being received through the wireless terminal 400 within a specified distance Strength, etc.). Or the sound wave signal unit 368 may receive and demodulate the sound wave signal of the designated frequency band and may transmit the obtained data to the device control unit 362. The device control unit 362 may perform the information processing procedure corresponding to the data Can be performed.

According to an embodiment of the present invention, the sound wave signal portion 368 is configured to convert an analogized sound wave signal of a designated frequency range (e.g., an audible frequency range or an audible frequency range, etc.) through a specified sound wave output device And the sound wave signal may include a sound wave pattern in which designated digital information such as UGID is encoded or matched with UGID. Preferably, the sound wave signal portion 368 can transmit a sound wave signal corresponding to the sound wave signal transmission embodiment of the present invention.

Referring to FIG. 3, the merchant-side sound wave device 360 includes an information checking unit 370 for checking a UGID to be transmitted through a sound wave signal of a designated frequency band, (Or an acoustic wave signal including a sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 368 (the signal transmission unit 380).

The information verifying unit 370 checks the UGID to be transmitted through the sound wave signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364. [ Meanwhile, the information verifying unit 370 checks the disposable code to be transmitted through the sound wave signal in cooperation with the merchant-side terminal 300 through the terminal interlocking unit 364, or transmits the disposable code through the sound wave signal You can generate one-off codes to do.

The information constructing unit 375 constructs transmission information including the identified UGID 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 370, the information constructing unit 375 generates the UGID using the identified information structure readable by the operating app 420 of the user wireless terminal 400, And dispatch information including a disposable code. Hereinafter, the feature of the present invention will be described focusing on an embodiment in which UGID and disposable code are included in the transmission information.

When the transmission information including the UGID and the disposable code is configured through the information configuration unit 375, the signal transmission unit 380 transmits the transmission information including the UGID and the disposable code, through the sound wave signal unit 368, (Or an acoustic wave signal including a sound wave pattern that matches the transmission information) is sent out at a designated signal intensity (for example, a signal strength that can be received through the wireless terminal 400 within a specified distance), and the sound wave signal The signal unit 368 transmits a sound wave signal of a designated frequency band including transmission information provided by the signal transmission unit 380 through a predetermined sound wave output unit.

Meanwhile, according to an embodiment of the present invention, the operating app 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 368 may transmit the request And provides the data to the device control unit 362. The device control unit 362 controls the information checking unit 370 to check the UGID and the disposable code according to the request signal, And / or controls to configure the transmission information including the UGID and the disposable code through the information configuration unit 375, and / or transmits the sound wave signal including the transmission information through the signal transmission unit 380 So that the sound wave signal corresponding to the request signal can be 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 illustrates a functional configuration of the operational application 420 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional configuration of the wireless terminal 400 is shown in FIG. It will be appreciated that the various embodiments of the functionality of the wireless terminal 400 may be referred to and / or modified by reference to FIG. 4. However, the present invention includes all of the above- The technical characteristics 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 output unit 408, and a sound input 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 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 wave output unit 408 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 408. The sound wave output unit 408 decodes data corresponding to a sound wave output among various calculation results of the control unit 402, Analog output is output through the output device.

The sound wave input unit 410 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 410. The sound wave input unit 410 digitizes and / or encodes the analog sound wave input through the sound wave input unit, . Preferably, the sound wave signal transmitted through the sound wave device 360 according to the present invention is also input through the sound wave input unit 410, digitized and transmitted to the control unit 402, do.

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 402 of the wireless terminal 400 can download and install the designated operating application 420 from a designated application providing server (e.g., Apple's App Store, etc.) through a data network connectable through the communication resource.

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for confirming a sound wave signal input from the sound wave device 360 at the merchant point through the sound wave input unit 410, A signal recognition unit 430 for recognizing a UGID included in the sound wave signal input from the franchise point side sound wave device 360, a recognition unit 430 for recognizing the sound signal including the recognized UGID (or a sound wave pattern matched with the UGID) A recognition information transmitting unit 435 for composing the information and transmitting the information to the designated operation server 200; and an identification information transmitting unit 435 for reading the UGID from the operation server 200 and identifying a franchisee visited by the user as an affiliated store having the sound wave device 360 And confirms any transaction registration information uniquely identified through the UGID among the transaction registration information registered through the identification and authenticated merchant terminal 300, Amount information for A transaction information receiving unit 440 that receives transaction information including a corresponding transaction amount and a settlement processing unit 445 that performs a settlement procedure for processing settlement of the transaction amount using the designated user settlement means .

The signal verifying unit 425 receives at least one of the first to fourth operational app operation embodiments of the present invention and transmits the sound wave signal transmitted from the merchant point side sound wave device 360 through the sound wave input unit 410 Check if it is received. If the sound wave signal transmitted from the franchise point-side sound wave device 360 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, And recognizes the sound wave pattern information (or the sound wave pattern ID, etc.) corresponding to the sound wave signal according to the method. If the disposable code is included in the sound wave signal, the signal recognition unit 430 may read the data corresponding to the sound wave signal and recognize the UGID and the disposable code included in the sound wave signal. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which UGID and disposable code are included in the sound wave signal for convenience, but the present invention is not limited thereto.

When the UGID and the disposable code included in the sound wave signal are recognized through the signal recognition unit 430, the recognition information transmission unit 435 constructs recognition information including UGID and disposable code recognized through the sound wave 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 412 and the wireless network communication unit 414.

The operation server 200 receives the identification information including the UGID and the disposable code from the operating application 420 of the user wireless terminal 400, reads the UGID included in the identification information, It is possible to identify and authenticate a franchisee corresponding to the read unique code among the franchisees having the sound wave device 360 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 The transaction registration information which is uniquely identified for a predetermined period of time through the UGID among the transaction registration information registered from the merchant terminal 300 operated by the affiliated merchant in the first to fourth transaction amount embodiments And the transaction information includes at least one information included in the transaction registration information according to an embodiment of the present invention, and / or includes at least one information included in the transaction registration information, and / And transmits the created 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 settlement processing unit 445 confirms that the settlement of the transaction information including the transaction amount is determined through the interface screen. If it is determined to process the settlement of the transaction information, the settlement processing unit 445 performs settlement of the transaction amount (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, The settlement server 100 can process payment for the transaction amount through the user settlement means available in the operating app 420. [

The payment processing unit 445 of the user wireless terminal 400 transmits the payment information including the transaction amount (for example, payment information) to the user through the payment interface based on the payment processing determination, , The transaction information or some information required for payment among the transaction information), performs the terminal-side payment procedure provided in the payment processing unit 445, and synchronizes with the payment server 100 of the specified payment system via the designated path The user can process payment for the transaction amount through the user payment means available in the operating app 420 (e.g., card information registered on the server side, account information, etc.).

The settlement processing unit 445 performs a settlement process on the terminal side for interlocking with the designated settlement server 100 via a designated route, The payment server 100 of the specified billing system is connected to the billing server 100 of the specified billing system via a specified relay server (e.g., a PG server, a relay server of the settlement provider associated with the settlement processing unit 445, The payment processing unit 445 can directly link with the payment server 100 of the designated payment system (for example, a module linked with the payment server 100 of the payment system specified in the application) And the like).

According to the first settlement procedure embodiment of the present invention, the settlement processing unit 445 may perform the terminal-side settlement procedure specified in the app to process the settlement of the transaction amount in conjunction with the operation server 200, Side billing procedure associated with the terminal-side settlement procedure to the payment server 100 of the specified billing system in conjunction with the operation server 200 while performing the designated-terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, The terminal side settlement procedure performed through the settlement processing unit 445 and the server-side settlement procedure of the settlement server 100 may be interlocked so that settlement of the transaction amount is approved.

According to the second settlement procedure embodiment of the present invention, the settlement processor 445 can operate in conjunction with a specified relay server (e.g., a PG server, a settlement provider server associated with the settlement processor 445, etc.) The payment server can perform the settlement procedure specified in the app to process the settlement of the transaction amount in cooperation with the relay server, 100) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, 445) and the server-side settlement procedure of the settlement server 100 in order to approve settlement of the transaction amount.

According to the third payment procedure embodiment of the present invention, the settlement processing unit 445 can directly interlock with the settlement server 100 of the specified settlement system, and in cooperation with the settlement server 100, Side payment procedure in the application and perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 100 while performing the specified-terminal-side payment procedure . Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure.

When the server side payment process for the transaction amount is completed through the payment server 100, the payment processing unit 445 transmits the payment result information including the payment result of the transaction amount And can output it.

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

More specifically, FIG. 5 illustrates an example of an information registration process for reverse payment using a sound wave device 360 provided at an affiliate shop. As a person skilled in the art, 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.

Referring to FIG. 5, a merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal transmits merchant registration information for the merchant to the designated operating 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 sound wave device 360 requests the designated operating server 200 to register a unique code for separately identifying the merchant having the sound wave 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).

On the other hand, in the case where a merchant having the sound wave device 360 generates a disposable code during reverse payment using the sound wave device 360, the merchant-side terminal 300 generates seed information for generation / authentication of the disposable code The operation 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 payment based on the sound wave device 360 (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).

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

In more detail, FIG. 6 shows the transaction registration information including the amount information for reverse payment in the merchant terminal 300 operated by the merchant having the sound wave device 360 and registers the transaction registration information in the operation server 200 At the same time, the UGID generated by concealing a unique code in the operation server 200 is transmitted in the reverse direction so as to be included in a sound wave signal transmitted from the member shop side sound wave device 360. Those skilled in the art will be able to refer to and / or modify the FIG. 6 to implement various methods (e.g., omitting some steps or changing the order) for the transaction registration or reverse UGID delivery process, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited thereto. It is not fixed.

Referring to FIG. 6, the merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal receives money amount information for reverse payment using the sound wave 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 the transaction registration information including the money amount information from the merchant terminal 300 at step 610 and checks whether the information included in the transaction registration information or the transaction registration information is received And confirms a unique code that uniquely identifies the merchant who has the sound wave device 360 and registers the transaction registration information using the received information (615). If the unique code of the merchant registering the transaction registration information is not confirmed even though all of the merchants equipped with the sound wave device 360 are registered with a unique code that uniquely identifies the corresponding merchant, The merchant terminal 300 provides merchant error information indicating that the unique code of the merchant registering the transaction registration information can not be confirmed by the merchant terminal 300 having registered the transaction registration information at step 620, Information is received and output (625). On the other hand, in the embodiment where all the merchants having the sound wave device 360 do not register the unique code, the operation server 200 can generate the UGID through the embodiment of FIG.

On the other hand, if a unique code that uniquely identifies a merchant registering the transaction registration information is provided, which has the sound wave device 360, the operation server 200 can read the identified unique code only through the specified specific device / server Identifies a merchant having the sound wave device 360, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information (630). Preferably, the operating server 200 uniquely identifies a merchant having the sound wave device 360 through at least one embodiment of the UGID generation embodiment of the present invention, and at the same time, (630). ≪ / RTI >

If the UGID is generated, the operation server 200 associates the transaction registration information with the UGID and stores the transaction registration information in a designated storage medium (635), and transmits the registration result information including the UGID to the merchant terminal 300 (640).

The merchant terminal 300 receives registration result information including the UGID from the operation server 200 (645), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, (For example, a transaction registration information registered at an affiliated shop having the sound wave device 360 and / or an affiliated shop having the sound wave device 360) identified by the UGID (650). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the sound wave device 360 of the merchant point, and thus the present invention is not limited thereto.

If the one-time code is generated, the merchant terminal 300 requests the sound wave device 360 to transmit the sound wave signal encoding the UGID and the disposable code through the merchant-point-side sound wave device 360 associated with the merchant- (660), and the UGID and the disposable code are transmitted in a designated structure (for example, operation of the user wireless terminal 400) (A structure recognizable by the application 420) (665), and transmits (670) an acoustic wave signal including the transmission information through a sound wave signal of a designated frequency band (670) 360 are received by the user wireless terminal 400 in a short distance.

FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.

In more detail, in FIG. 7, the merchant terminal 300 operated by a merchant having the sound wave device 360 configures transaction registration information including amount information for reverse payment and registers the transaction registration information with the operation server 200 At the same time, the UGID generated in the operation server 200 is transmitted in the reverse direction so as to be included in the sound wave signal transmitted from the member shop side sound wave device 360. In the present invention, It is possible to refer to and / or modify the FIG. 7 to infer the various methods of carrying out the transaction registration or the reverse UGID delivery process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 7 .

Referring to FIG. 7, the merchant terminal 300, which is operated by a merchant having a sound wave device 360 that transmits a specified sound wave signal, receives amount information for reverse payment using the sound wave 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 transmits the transaction registration information to the operation server 200. The operation server 200 includes the sound wave device 360, And generates a UGID that uniquely identifies the specific transaction corresponding to the transaction registration information (715). Preferably, the operation server 200 separately identifies a franchisee having the sound wave device 360 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time, (715). ≪ / RTI >

If the UGID is generated, the operation server 200 associates the transaction registration information with the UGID and stores the transaction registration information in a designated storage medium (720), and transmits the registration result information including the UGID to the merchant terminal 300 (725).

The merchant terminal 300 receives the registration result information including the UGID from the operation server 200 in operation 730 and substitutes the seed value confirmed / determined through the designated seed information into the designated code generation algorithm, (For example, a transaction registration information registered at an affiliated shop having the sound wave device 360 and / or an affiliated shop having the sound wave device 360) identified by the UGID (735). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the sound wave device 360 of the merchant point, and thus the present invention is not limited thereto.

If the one-time code is generated, the merchant terminal 300 requests the sound wave device 360 to transmit the sound wave signal encoding the UGID and the disposable code through the merchant-point-side sound wave device 360 associated with the merchant- (740), the merchant-side sound wave device 360 confirms the UGID and the disposable code to be transmitted through the specified sound wave signal (745), and transmits the UGID and the disposable code to the designated structure (for example, (A structure recognizable by the application 420), and transmits (750) an acoustic wave signal including the transmission information through an acoustic wave signal in a designated frequency band (755), and transmits the acoustic wave signal including the transmission information to the sound wave device 360 are received by the user wireless terminal 400 in a short distance.

8 is a diagram illustrating a process of recognizing sound signals or providing transaction information of a user wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 8 is a flowchart illustrating a method of receiving and reading a sound wave signal transmitted from the merchant-side sound wave device 360 through the process of FIG. 6 or FIG. 7 in the operating app 420 of the user wireless terminal 400, And transmits identification information including the UGID and the disposable code to the designated operating server 200. The operation server 200 identifies and authenticates the merchant having the sound wave device 360 through the UGID At the same time, after confirming any transaction registration information uniquely identified through the UGID 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. It is possible to refer to various embodiments (for example, omitting some steps or changing the order) of the process of recognizing the sound wave signal or providing the transaction information by reference and / or modification, And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, when a sound wave signal obtained by encoding the UGID and the disposable code is transmitted from the sound wave device 360 of the merchant through the process shown in FIG. 6 or 7, The controller 420 checks whether a specified sound wave signal transmitted through the sound wave device 360 is input through the sound wave input unit 410 of the user wireless terminal 400 in operation 800. If it is confirmed that the designated sound wave signal transmitted through the merchant point-side sound wave device 360 is input, the operating app 420 of the user wireless terminal 400 reads the input sound wave signal and recognizes the UGID and the disposable code (805). Preferably, the operating app 420 of the user wireless terminal 400 may be implemented in at least one of the first through fourth operating modes of operation of the present invention, The UGID and the disposable code can be recognized by reading and receiving the sound wave signal.

If the UGID and the disposable code are recognized through the sound wave signal input from the franchise point-side sound wave device 360, the operating app 420 of the user wireless terminal 400 receives the identification information including the UGID and the disposable code And transmits recognition information including the UGID and the disposable code to the operation server 200 (810).

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

Meanwhile, if the merchant having the sound wave device 360 is not authenticated through the UGID included in the identification information, the operation server 200 transmits the recognition result to the operating app 420 of the user wireless terminal 400 (830) an identification / authentication error for the UGID 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 merchant having the sound wave device 360 is uniquely identified and authenticated through the UGID included in the recognition 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 linked with the unique code read out from the UGID (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 franchisee having the sound wave device 360 is uniquely identified and authenticated through the UGID 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 UGID (845) transaction registration information that is uniquely identified for at least a certain period of time. If the transaction registration information identified through the UGID 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 UGID at the merchant that is uniquely identified through the UGID (Step 855). If the transaction registration information identified through the UGID 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).

9 is a diagram illustrating a reverse payment process using an operating app according to an embodiment of the present invention.

More specifically, FIG. 9 illustrates an embodiment of a process of processing settlement of the transaction amount through the payment server 100 on a specified payment system via a designated path of the operating app 420 of the user wireless terminal 400 Those skilled in the art will appreciate that various modifications and variations of the method of the reverse billing process (e.g., some steps may be omitted, or steps may be omitted) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited to those shown in FIG.

Referring to FIG. 9, the operational application 420 of the user wireless terminal 400 receiving the transaction information through the process of FIG. 8 checks 900 whether or not the transaction processing of the transaction information is determined. If the settlement processing of the transaction information is determined, the operating app 420 outputs settlement information for settlement processing of the transaction amount included in the transaction information through the designated settlement interface (905) (907), and confirms 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 will be described with reference to Figs. 10 to 16 below.

Meanwhile, when at least one embodiment (or at least a combination of at least two embodiments) of the first through third payment procedure embodiments of the present invention is requested when the settlement-based payment processing for the settlement information is requested, (910) a terminal-side settlement procedure set in the operating app 420 to process the settlement of the transaction amount via the payment server 100 on the specified payment system via a designated path corresponding to the terminal (Or at least partially combining at least two of the embodiments) of the first to the third settlement procedure embodiments during the settlement procedure, the payment server 100) to request a server-side settlement procedure for processing settlement of the transaction amount (915).

The settlement server 100 may transmit the transaction amount < RTI ID = 0.0 > (i. E. ≪ / RTI > via the designated route corresponding to at least one embodiment of the first through third payment procedure embodiments (Step 920). If it is determined in step 920 that a server-side settlement procedure for processing a settlement of a designated settlement is requested (step 920) (925) to approve the settlement of the requested transaction amount through the server-side settlement procedure. The payment server 100 confirms payment result information for the payment procedure during the server-side payment procedure (930). If the settlement result information of the settlement procedure is confirmed, the settlement server 100 provides the settlement result information to the operating app 420 of the user wireless terminal 400 and the operation server 200 (935) The operational application 420 of the user wireless terminal 400 receives and outputs the settlement result information indicating the settlement of the transaction amount in operation 940. The operation server 200 receives the settlement result information, (945) to the merchant terminal (300), and the merchant terminal (300) can receive and output the payment result information.

FIG. 10 is a diagram showing a configuration of a system for making a settlement using a cryptogram according to an embodiment of the present invention.

In more detail, FIG. 10 shows a configuration of a system for processing payment using the cryptogram as payment means when settlement using block-chain-based cryptography is requested at the user wireless terminal 400, Those skilled in the art will be able to refer to and / or modify this FIG. 10 to consider various implementations of the system (e.g., some implementations omitted, or subdivided, or combined) However, the present invention is not limited to the technical features of the present invention.

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 can be implemented through the payment server 100. For the sake of convenience, FIG. 10 mainly shows an embodiment in which a settlement is processed by using the block-chain-based cryptography as a payment means in the operation server 200 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. 10, the operation server 200 (or the payment server 100) includes N block-chain networks 1000 implementing N (N? 1) A cryptographic block storage unit 1010 for storing a cryptographic block including chained blocks generated or agreed upon according to a block chain algorithm implemented in the cryptographic module and storing the cryptographic blocks in a designated block storage area; And a cryptographic block updating unit 1015 for performing a process of confirming a new block to be newly generated or agreed upon in accordance with the block chain algorithm implemented on the cryptographic block, and chaining and updating the cryptographic block stored in the designated block storage area.

The block-chain algorithm included in an article by Satoshi Nakamoto, anonymous on October 31, 2008, in the Gmane cryptographic technology community, says that on January 03, 2009, a password coin called "Bitcoin" Since its first implementation, to date, there have been at least several hundred variant examples of block-chain algorithms. 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 1000 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, a server, or the like corresponding to a peer participating in the block-chain network 1000 as a 'node device 1005'.

Meanwhile, the block-chain network 1000 includes a private block-chain network 1000 that includes a public block-chain network 1000 to which anyone can participate, or a limited (or pre-authenticated) According to an embodiment of the present invention, the block-chain algorithm is a hybrid-block-chain network 1000 in which characteristics of the public block-chain network 1000 and the private-block-chain network 1000 are partially mixed .

According to an embodiment of the present invention, a node device 1005 on a block-chained network 1000 is connected to a cipher network 1000, which is generated on a block-chain network 1000 designated on the basis of a block- A function of collecting cryptographic transaction details broadcasted in the designated block chain network 1000, a function of forming blocks 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), etc.) to generate a new block, a function of requesting the other node device 1005 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 1005, A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 1000 is installed and all the node devices 1005 operating on the specific block chain network 1000 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) cipher systems implemented on a block chain basis as payment means. The components of the illustrated operational server 200 (or billing server 100) are connected to a node device 1005 (e.g., a designated block-chained network 1000) on a designated block-chained network 1000 implementing 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 1000 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- It can work with real-time node apparatus 1005. 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 1005 may include a cryptogram that is generated by participating in a consensus-requestable active node according to a block chain algorithm implemented on the designated block-chain network 1000. Herein, the active node is an actual node device 1005 implemented on a designated block-chained network 1000, or a node operating in an equivalent manner, preferably a block-chain algorithm implemented on a designated block- A function of storing a cryptographic currency block generated on the block chain network 1000 designated by the designated block chain network 1000 in a designated storage area and a function of collecting a cryptographic transaction history broadcasted to the designated block chain network 1000, 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 1005, And verifying the block-chain validity of the sum requested block based on the block-chain verification value included in the block requested to be summed from the other node device 1005; And perform functions defined in the block chain algorithm implemented on the block-chain network 1000 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 1005 may include a cryptogram that is generated or agreed through a block chain algorithm implemented on the designated block-chain network 1000 and is included in a passive node capable of real-time confirmation of the cached block. Here, the passive node is a node that is created or agreed upon in a block-chain network 1000 in cooperation with an actual node device 1005 implemented on a designated block-chained network 1000 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a block-chain network (1000) based on a block-chain algorithm implemented on a block-chain network (1000) A function of verifying the validity of the block chain of the requested block based on the block chain verification value included in the block requested to be concluded from the encrypted password block 1005 and the function of chaining the verified block to the pre- One function can be performed.

According to the third cryptographic embodiment of the present invention, the N ciphered currencies may include a cryptographic currency of an operator issued through a self-block-chain network 1000 implemented by an operator operating the operation server 200 have. The private block chain network 1000 implemented by the operator may include a public block chain network 1000 or may include a private block chain network 1000 or may include a public block chain network 1000 and a private block chain 1000. [ And a hybrid block-chain network 1000 in which the characteristics of the network 1000 are partially mixed.

According to the first self-block-chain network 1000 of the present invention, the self-block-chain network 1000 implemented by the operator can be operated in the form of a public block-chain network 1000 that can participate in the node.

According to the second self-block-chain network 1000 of the present invention, the self-block-chain network 1000 implemented by the operator may include a designated number of node devices 1005 distributedly constructed and operated by the operator In this case, the own block-chain network 1000 may be operated in the form of a private block-chain network 1000.

According to the third self-block-chain network 1000 of the present invention, the self-block-chain network 1000 implemented by the operator includes a designated number of node devices 1005 distributedly constructed and operated by the operator, In this case, the own block-chain network 1000 includes a designated number of node devices 1005 operated by an operator. In this case, the node device 1005, which is distributed by the operator, And a hybrid block-chain network 1000 in which an external node device 1005 participates.

According to the fourth self block chain network 1000 of the present invention, the own block chain network 1000 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 1000 may operate in the form of a virtual private block-chain network 1000.

According to the fifth self-block-chain network 1000 of the present invention, the self-block-chain network 1000 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the internal block chain network 1000 includes a virtual node operated by an operator and an external node device 1005 participating in the network. The hybrid block chain network 1000 can be operated in the form of a network.

According to the sixth self-block-chain network 1000 of the present invention, the self-block-chain network 1000 implemented by the operator includes a designated number of node devices 1005 distributedly constructed and operated by the operator, The network 100 may include a virtual node that is implemented in software through one or more operating servers. In this case, the network 1000 includes a designated number of node devices 1005 and a specified number of virtual nodes And may be operated in the form of a private block chain network 1000.

According to the seventh self-block-chain network 1000 of the present invention, the own block-chain network 1000 implemented by the operator includes a designated number of node devices 1005 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 1005. The node device 1005 can allow participation of an external node device 1005 in addition to the virtual node and the designated number of node devices 1005, The self-block-chain network 1000 may be operated in the form of a hybrid block-chain network 1000 in which a specified number of node devices 1005 operated by an operator, virtual nodes and external node devices 1005 participate.

According to the eighth self-block-chain network 1000 embodiment of the present invention, the self-block-chain network 1000 embodied in the operating company may include at least two of the first through seventh self- At least partially in combination, and the present invention clearly encompasses these embodiments as well.

The cryptographic block storing unit 1010 may store at least one (1) block in the N block-chain networks 1000 that implement 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 1000 in cooperation with the node device 1005 of the node device 1005, Stores N encrypted currency blocks in the designated block storage area. That is, the block-chain-based encrypted money is stored in the respective node devices 1005 provided in the block-chain network 1000 in a P2P form without a centralized server, and is periodically updated , The encrypted money block storage unit 1010 can identify N encrypted currency blocks in association with at least one node device 1005 provided in the N block chain networks 1000 and store the N encrypted blocks in a designated block storage area.

On the other hand, the node devices 1005 provided in the N block-chain networks 1000 perform a procedure of creating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chained network 1000, The money block updating unit 1015 checks a new block newly created or agreed on the N block-chain networks 1000 according to the block-chain algorithm implemented on the N block-chain networks 1000, 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 update unit 1015 updates the encrypted currency block stored in the designated block storage area every time (or at specified intervals) a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Or validity of each block included in the cryptographic block) stored in the block storage area through an operation of verifying the validity of the hash values included in each block through the block chain verification value Procedure can be performed. In this case, the encrypted currency block updating unit 1015 updates the validated cryptographic currency block (or the validated block including the verified blocks) when the validity of the cryptographic currency block (or the validity of each block included in the cryptographic currency block) A new block can be chained and updated in the encrypted money block.

According to an embodiment of the present invention, the crypto-money block updating unit 1015 updates the cryptographic money that has been newly generated or agreed upon on the block-chain network 1000 of the cryptographic money used as the payment means while the specified cryptogram is used as a payment means It is desirable that the new block is repeatedly executed by confirming the new block and chaining it in the encrypted currency block of the corresponding encrypted currency stored in the designated block storage area.

Referring to FIG. 10, 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 cryptographic unit held by the user on the chain network 1000 and the user side cryptographic account information identifying the user's cryptographic account based on the block chain algorithm implemented on the nth block- A cryptographic information registration unit 1020 for performing a procedure for registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for cryptographic currency transaction using the cryptographic account unit held in the 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 (I > = 2) included in the latest updated n-th cipher block in the designated block storage area, and the cipher information managing unit 1025 for managing the own-side cipher currency transaction, 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 1025 may be operable to chime the i blocks included in the nth encrypted currency block during the process of reading the encrypted currency transaction details included in the i blocks included in the nth encrypted 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 1000 and the block-chain algorithm implemented on the nth block- (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 The encrypted money information registering unit 1020 registers the user's password money registration information including the user's password, 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 1000 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's cryptographic account according to the block chain algorithm implemented on the nth block- Side encrypted money account information and the user's cryptographic currency transaction authentication information in association with the user information and stores the cryptographic information in the 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. That is, the owner of the cryptographic currency account can not be identified by the cryptographic information manager 1025 through the user's cryptographic account information on the n-th block-chain network 1000, 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 1025 reads i (n) 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 currency transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 1005 on the block chain network 1000, The user can calculate the cipher unit held in the user's cipher account. In this case, the cryptographic information management unit 1025 can store the cryptographic unit information held in the user's cryptographic account in the management DB in association with the user's cryptographic account information.

According to the embodiment of the present invention, the cryptographic information management unit 1025 stores the 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 password currency transaction details that include or include the user side cryptographic account information in the withdrawing account) and / or validate the valid cryptographic transaction history on the n block chain network 1000 (I > = 2) blocks included in the latest updated n-th cipher block are read through the node device 1005 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 managing unit 1025 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 1025. 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. 10, the operation server 200 (or the payment server 100) checks exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And a cryptographic currency exchange rate storage unit 1030 for storing the cryptographic currency exchange rate stored in the exchange rate storage area. When the exchange rate information is changed, (Not shown).

N encrypted blocks are stored in a designated block storage area through the crypto-money block storage unit 1010 and / or N encrypted cryptographic blocks are stored in a block storage area designated by the crypto- The encrypted currency exchange rate storage unit 1030 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 1035 can periodically update the exchange rate information stored in the designated exchange rate storage area by checking the exchange rate information that is changed every 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 1035 may not update the exchange rate information periodically.

Referring to FIG. 10, the operation server 200 (or the payment server 100) confirms a payment request for confirming a payment request using the n-th (1? N? N) password from the user wireless terminal 400 A cryptographic currency exchange rate confirmation unit 1045 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 decryption unit 1050 for deciding a decryption unit for decryption corresponding to the amount of the 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 1040 receives the cryptographic unit payment request information requesting payment using the n-th cipher 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 and the user's cryptographic currency transaction authentication information for the n-th cryptographic currency are not managed through the cryptographic information manager 1025, And may include at least one of user side password money account information and user side password money transaction authentication information.

When the settlement request confirmation unit 1040 confirms the settlement request using the n-th cipher currency, the cipher currency exchange rate check unit 1045 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 rate storage area are arbitrarily changed according to the first exchange rate embodiment of the present invention, the encrypted currency exchange rate confirmation unit 1045 may update the encrypted currency rate update unit 1035), and confirms exchange rate information for payment 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.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storing area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 1045 checks the n-th cipher currency, It is possible to confirm the exchange rate information and confirm the exchange rate information based on the confirmed exchange rate information. Here, the settlement exchange rate information includes at least one of exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, and exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include exchange rate information.

If the settlement exchange rate information between the n-th cipher and the designated real currency is confirmed through the cipher currency exchange confirmation unit 1045, the cipher unit 1050 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 1050 provides the settlement currency information and / or the cryptographic 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. 10, the operation server 200 (or the payment server 100) includes an n-th block-chain network 1000 for implementing the n-th cipher money when confirming a payment request using the n-th cipher currency, A cryptographic account checking unit 1060 for identifying a user cryptographic account set up to identify a cryptographic unit held by the user on the basis of the user's cryptographic unit, and a validity authentication unit 1065 that performs at least one encrypted currency settlement validity authentication procedure based on the n cipher block.

When the payment request confirmation unit 1040 confirms the payment request using the n-th cipher currency, the cipher currency account identification unit 1060 inquires the management DB managed through the cipher information management unit 1025, 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 1000 implementing the n-th cryptographic unit. On the other hand, according to the method of operation, the cryptographic currency account verifying unit 1060 extracts the cryptographic unit denominated in the cryptographic unit held by the user on the n-th block-block network 1000 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.

If the user's cryptographic account established to identify the cryptographic unit held by the user on the nth block-chain network 1000 is confirmed through the cryptographic unit 1060, the validity authentication unit 1065 checks 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 unit determination unit 1050 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 cryptographic payment validity authentication method of the present invention, the validity authentication unit 1065 includes a validity authentication unit 1065 for authenticating the validity of the n-th cryptographic currency based on the latest updated n-th cryptographic currency block of the n-th cryptographic currency 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 1065 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 management unit 1025, 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 apparatus 1005 on the nth block-chained network 1000 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 1005 provided in the block- The validity authentication unit 1065 may read the latest updated n-th cipher block of the n-th cipher key in real time, or may update the n-th cipher block of the n-th cipher key by periodically and / or repeatedly updating and storing the generated cipher block by blocking and chaining 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 an embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 1065 performs a cryptographic process of the i < 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 1065 performs a 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 n-th cipher currency block used to calculate the cipher unit held in the user's cipher currency account of the node device 1005 on the n-th block- 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 1005 provided in the block- The validity authentication unit 1065 decides 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 method of the present invention, when validity of the n-th cipher block is verified through the validity authentication unit 1065, 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 1065 includes the user's password account as an account for withdrawal from among the details of the encrypted currency transactions transmitted to the n-th block-chain network 1000 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. Therefore, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as a withdrawal account is broadcast to the nth block-chain network 1000 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 1005 provided on the block-chain network 1000 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 1005 issues new passwords to the device 1005 and / or provides a transaction fee of the encrypted currency transaction details included in the block-chained block to the node device 1005 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, in the case of the partial password transaction details broadcasted to the block-chain network 1000, even if the waiting time on the corresponding block-chain algorithm is set to 10 minutes, the node devices 1005 included in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In the extreme, in the case of some pieces of the cryptographic currency transaction history, it may not be included in the cryptographic currency block until the corresponding block chain network 1000 is closed. Accordingly, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on the time point when the payment request using the n-th cipher currency is confirmed, it is desirable that there is no unacknowledged password transaction history in the standby state on the n block-chain network 1000, thereby preventing the delay of the password transaction for settlement or the error occurrence probability .

According to an embodiment of the present invention, the validity authentication unit 1065 may determine that the payment request using the n-th cipher currency is confirmed, The at least one user side withdrawing account including the user's cryptographic account as a withdrawal account among the details of the cryptographic currency transactions transmitted to the nth block-chain network 1000, 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 1000 on the basis of the time when the payment request using the n-th cryptographic currency is confirmed, Even if the related cryptographic currency transaction details are not confirmed and / or the user-side withdrawal related cryptographic currency transaction details broadcasted to the n-th block-chain network 1000 are confirmed, the confirmed user- In a case where the validity authentication unit 1065 includes a period in the cryptographic currency block (or is immediately included) and is finally determined as a valid cryptographic currency transaction, the validity authentication unit 1065 can authenticate that the cryptographic currency settlement validity using the nth cryptographic currency is valid. On the other hand, at least one user side withdrawal account including the user's cryptographic account as a withdrawal account out of the cryptographic currency transaction details broadcasted to the nth block-chain network 1000 on the basis of the time when the payment request using the n & The user side withdrawal related uninitialized withdrawal related transaction history in which the related cryptographic currency transaction details are confirmed and / or the user side withdrawal related cryptographic transaction details broadcasted to the nth block-chain network 1000 are not included in the nth cryptographic currency block If it is confirmed that the encrypted currency transaction details are valid, the validity authentication unit 1065 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 1065 may determine that the user decrypts the user's password account from among the details of the encrypted currency transaction transmitted to the nth block-chain network 1000 based on a time point when the payment request using the n-th cipher currency is confirmed When the at least one user-side withdrawal-related cipher transaction history included in the withdrawal account is confirmed, it can be confirmed that the validity of the cipher currency payment using the n-th cipher currency is invalid. Alternatively, the validity authentication unit 1065 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 1000 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 1065 may authenticate the validity of the encrypted currency payment as in the fourth password validation authentication validity authentication method described below.

According to an embodiment of the fourth aspect of the present invention, the validity authentication unit 1065 receives the user's password from the user side on the n-th block-chain network 1000 as a withdrawal account 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 1000, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 1065 checks whether or not 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, if the block-chain algorithm of the n-th cipher currency is broadcasted to the n-th block-chain network 1000 after the user-side withdrawal related cipher transaction details are broadcasted, In a case where the encrypted password account unit is included in the money block and the password currency account unit held in the user password currency account is subtracted, the validity authentication unit 1065 determines whether or not the password 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 1065 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. 10, the operation server 200 (or the payment server 100), when authenticating one or more specified password currency 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 1085 for providing the cryptographic unit based payment result information to the user wireless terminal 400. The cryptographic service providing unit 1085 may include a result information confirming unit 1080, And a cryptographic currency transaction managing unit 1075 for managing the cryptographic currency transaction to be effectively included in the n-th cipher currency block.

When the validity authentication unit 1065 validates one or more designated password payment settlement validities, the cryptographic currency transaction procedure unit determines whether the cryptographic currency transaction unit of the cryptographic unit determination unit The n-th cipher system 1050 generates a billing password transaction transaction for withdrawing from the user's cipher currency account of the n-th cipher system to the designated ciphering account, (1000).

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 1000 are transaction details of the encrypted currency transaction, not the transaction details of the encrypted currency transaction and the real currency transaction. 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 1050 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 unrecognized password currency transaction details including the user password money account as the withdrawal account on the nth block-chain network 1000 is confirmed through the validity authentication unit 1065, The money transaction managing unit 1075 may use the n-th cipher money in the nineteenth block chain network 1000 in connection with the block-chaining process based on the block chain algorithm implemented in the n-th block- N may be performed to perform a designated procedure to include in the n-th cipher block in advance the billing password transaction recorded in the n-block-chain network 1000 for payment. For example, when a block-chain algorithm implemented in the n-th block-chain network 1000 is transmitted from a plurality of node devices 1005 provided on the n-th block-chain network 1000 to the node device 1005 The cryptographic currency transaction management unit 1075 determines whether or not the transaction fee of the unauthorized cryptographic currency transaction included in the block-chained block is greater than the transaction fee set in the confirmed user- It is possible to set the transaction fee of the settlement password currency transaction history to be higher so that the settlement password currency transaction history is included in the nth cipher currency block before the user-side withdrawal-related unconfirmed password currency transaction details. Or when a business operator operating the operation server 200 (or the payment server 100) implements and operates the n-th block-block network 1000, a priority is given to the password transaction for payment , The settlement password transaction history may be set so as to be included in the n < th >

Meanwhile, the result information verifying unit 1080 confirms the payment through the n-th cipher money within a predetermined time after the payment password transaction is broadcasted to the n-th block-block chain network 1000 through the cipher transaction processing unit And can confirm the processed password-based payment result information. If the encrypted password transaction details are broadcasted to the nth block-chain network 1000 through the cryptographic transaction processing unit, the result information verifying unit 1080 may include a cryptogram- You can check payment result information.

According to the first result information checking embodiment of the present invention, the result information verifying unit 1080 receives the password transaction details for billing through the n-th block-block network 1000 through the cryptographic 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 currency block, the result information verifier 1080 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 settlement password currency transaction details are broadcast within the predetermined time after the settlement password money transaction details are broadcasted to the nth block-chain network 1000, (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 1080 confirms whether the settlement password for the settlement password 1040 is transferred to the nth block-chain network 1000 through the cryptogram transaction procedure 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 block, the result information verifier 1080 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 1085 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. 11 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chained network 1000 according to an embodiment of the present invention.

In more detail, FIG. 11 is a block diagram of a block-chain network 1000 that is implemented on N block-chained networks 1000 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 networks 1000, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope 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. 11, a node device 1005 on a block-chain network 1000 transmits a specified number of encrypted currency transactions 1000 broadcasted to the block-chain network 1000 according to a block- And transmits the generated new block to another node device 1005 on the block-chain network 1000 to perform a block-chaining process, and then the agreed-upon blocks are chained (Or the payment server 100) performs a procedure of distributing and storing the cipher block including the cipher block to each node device 1005 (1100), and the operation server 200 (or the payment server 100) (Block 1105), which is generated or agreed upon in accordance with a block-chain algorithm implemented on the N block-chain networks 1000 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 (1110).

Thereafter, the operation server 200 (or the payment server 100) checks whether a new block is created or agreed according to the block chain algorithm specified on the block-chain network 1000 corresponding to the encrypted money block stored in the block storing area (1115). If a new block is created or agreed on the block-chain network 1000, the operating server 200 (or the payment server 100) confirms a new block that is newly created or agreed on the block-chain network 1000 (Block 1120). The identified new block is chained to the cryptographic block stored in the block storage area, and the new block is updated and stored (1125), and a new block, which is newly created or agreed on the block chain network 1000, 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. 12 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. 12 illustrates a process of confirming and storing and / or updating exchange rate information set for exchanging between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, Those skilled in the art will appreciate that various modifications and variations of the method 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 only by the method shown in FIG.

Referring to FIG. 12, the operation server 200 (or the payment server 100) confirms the exchange rate information set for the exchange between the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency (1200 ). 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 operating server 200 (or the payment server 100) can check the exchange rate information by referring to the block-chain network 1000 corresponding to the cipher block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 200 (or the payment server 100) stores the confirmed exchange rate information in the designated exchange rate storage area (1205).

On the other hand, when 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 (1210) (1215), and the exchange rate information that can be immediately exchanged can be maintained in the exchange rate storing area.

FIG. 13 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. 13 is a block diagram illustrating a user's information about a user, a user's password money account information for the user's password money transaction, and a user's password money transaction authentication information for a real name-based password currency transaction using a password held by a user The user side password money registration information including the user's password is registered and stored. Referring to FIG. 13 and / or modified by the person skilled in the art, 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. 13, when user information using the n-th cipher is registered 1300 in the user wireless terminal 400, the operation server 200 (or the payment server 100) And stores it in the management DB (1305). On the other hand, on the n-th block-chain network 1000 implementing the n-th cipher system in the user wireless terminal 400, the user's cipher account information for identifying the user's 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- The operation server 200 (or the payment server 100) registers the user's password money account information including the user's password money account information and the user's password money transaction authentication information (1310) (1315), and associates the user-side encrypted currency account information and the user-side encrypted currency transaction authentication information with the user information (1320), and stores information for a user name-based password exchange transaction based on the real name.

On the other hand, the node devices 1005 on the n-th blocky chain network 1000 corresponding to the n-th ciphered currency are broadcasted to the n-th block-chained network 1000 according to the block chain algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with a previous block including a specified number of cryptographic transaction details and transferring the generated new block to another node device 1005 on the n-th block- The operation server 200 (or the payment server 100) performs a procedure of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 1005 N) of the n < th > ciphertext from the designated block storage area through the process of Fig. 11 and / or to check whether the n < th > (1330) the latest updated n-th cipher block of the n-th cipher from the node device 1005 on the block-chained network 1000.

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 (1335) the validity of the nth cipher block. 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 1005 of the n-th block- (Re) verification of the encrypted money block, storing it in the designated block storage area (1340), 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 (1345), and the cryptographic unit held in the user's cryptographic account of the nth cryptographic unit is calculated (1345). 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 (1350).

FIG. 14 is a flowchart illustrating a process for confirming a settlement based on a password according to an embodiment of the present invention.

In more detail, FIG. 14 shows a case where the nth cipher currency based settlement is requested by the user wireless terminal 400, 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 this FIG. 14 to suggest various implementations of the cryptography-based payment verification process (e.g., some steps omitted or alternate procedures). However, it should be understood that 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. 14 You.

Referring to FIG. 14, 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) The payment request is confirmed (1400). 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 exchange rate (Step 1405), and determines a unit for decrypting a bill for payment (step 1410) based on the confirmed settlement exchange rate information.

FIG. 15 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates an example in which when the operation server 200 (or the payment server 100) confirms a payment request using 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. 15, when the n-th cipher based payment is requested through the process of FIG. 10 and / or the decryption unit is determined through the process of FIG. 14 or the user consent of the cipher- , The operating server 200 (or the payment server 100) transmits a user password money account established to identify the cipher unit held by the user on the nth block-chain network 1000 implementing the n-th cipher system (Step 1500). If the user encryption account is not confirmed, the operation server 200 (or the payment server 100) provides error information through the communication network 1505, and the user wireless terminal 400 transmits the error information And receives and outputs the error information (1510).

On the other hand, the node devices 1005 on the n-th blocky chain network 1000 corresponding to the n-th ciphered currency are broadcasted to the n-th block-chained network 1000 according to the block chain algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with a previous block including a specified number of cryptographic transaction details and transferring the generated new block to another node device 1005 on the n-th block- The decrypted blocks are distributed and stored in the respective node devices 1005 (step 1515). 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. N) of the n < th > cipher from the node device 1005 on the n < th > block chain network 1000 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 (1525) a validity of the n-th cipher currency block through the cipher validation procedure. If the validity of the nth cipher block is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1505, and the user wireless terminal 400 And receives and outputs the error information through a communication network (1510).

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, (1530) a cryptographic currency payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user has a valid cryptographic currency unit capable of paying the amount to be paid in the user's cryptographic currency account. If the validity of the user-held cipher currency unit is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1505, And receives and outputs the error information (1510). 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- 1000, which includes the user's cryptographic account as the withdrawal account, authenticates that there is no idle-state user-withdrawal-related unrecognized password currency transaction that is not included in the nth cryptographic currency block A cryptographic bill validity authentication procedure for authenticating the block chaining validity is performed (1535). 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 password money account as the withdrawal account on the n-th block-chain network 1000, 200) (or the settlement server 100) may use at least one of the encrypted denomination units included in the confirmed uninitiated encrypted currency transaction history and the encrypted denomination unit held in the user's password money account (1540) a cryptographic currency payment validity authentication procedure for authenticating the validity of the user-held cryptographic currency unit whether the user has a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic 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 chaining validity is not authenticated and / or the user side password related transaction is not authenticated on the n-th block-chain network 1000, If the validity of the user-held cipher currency unit is not authenticated using at least one of the encrypted currency unit included in the withdrawal-related unconfirmed cipher currency transaction details and the encrypted currency unit held in the user's cipher currency account, The server 200 (or the payment server 100) may determine whether or not the uninvited password-related transaction data of the nineteenth block-chain network 1000 has been received from the user- In order to first include the settlement password currency transaction details in the n-th cipher currency block And performing a specified process (1545), it is possible by using 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 1000 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. 16 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case where the operation server 200 (or the payment server 100) determines the cryptographic unit held in the user's cryptographic account of the n-th cryptographic currency when the at least one specified cryptographic currency payment validity is authenticated FIG. 16 is a flow chart illustrating a procedure for performing a designated password transaction procedure to settle an amount to be paid by using the present invention. Referring to FIG. 16 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 implementation method shown in FIGS.

Referring to FIG. 16, when at least one designated password settlement validity is authenticated through the process of FIG. 15, the operation server 200 (or the payment server 100) (1615) a payment password transaction description for fetching a payment password unit corresponding to the amount to be paid out and transferring the unit to the designated password account for settlement (1615) N block chain network 1000 corresponding to the encrypted password transaction transaction (step 1605). On the other hand, the node devices 1005 on the n-th blocky chain network 1000 corresponding to the n-th ciphered currency are broadcasted to the n-th block-chained network 1000 according to the block chain algorithm implemented in the corresponding block- And a predetermined number of encrypted currency transaction details including the settlement password transaction, and generates a new block to be chain-coupled with a previous block, and transmits the generated new block to another node device 1005, and performs a process of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 1005 (1610).

On the other hand, the operation server 200 (or the payment server 100) broadcasts the password transaction for settlement to the n-th block-chain network 1000 and then transmits the password- And confirms the password-based payment result information (1615). 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 (1620), the user wireless terminal (400) and / or the merchant terminal (1625) 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: UGID generation unit 220: Transaction registration management unit
225: UGID provider 230: recognition information receiver
235: Identification / authentication processing unit 240: Transaction registration confirmation unit
245: Transaction information providing unit 250: Payment processing processing unit
255: payment result processing unit 300:
310: Interface Unit 315: Merchant Payment Unit
320: App for merchants 325: Information registration
330: Transaction register 335: UGID receiver
340: code generation unit 345: signal transmission processing unit
350: Result processor 360: Sound wave device
370: Information check unit 375: Information configuration unit
380: Signal transmitter 400: User wireless terminal
410: sound wave input unit 420: operating app
425: Signal verification unit 430: Signal recognition unit
435: recognition information transmission unit 440: transaction information reception unit
445: payment processing unit 1000: block chain network
1005: Node device 1010: Crypto-money block storage unit
1015: Crypto-money block updating unit 1020: Crypto-
1025: Password Money Information Management Unit 1030: Password Money Exchange Storage Unit
1035: Password Currency Exchange Rate Update Unit 1040: Payment Request Verification Unit
1045: Cryptographic currency exchange rate confirmation unit 1050: Cryptographic currency unit determination unit
1055: Password Money Confirmation Unit 1060: Password Money Account Confirmation Unit
1065: validity authentication unit 1070: cryptographic transaction processing unit
1075: Password Money Transaction Management Unit 1080: Result Information Identification Unit
1085: Providing result information

Claims (17)

A method for communicating with an affiliate shop terminal operated by an affiliate shop having a sound wave device for transmitting a specified sound wave signal and an operation server communicating with a user wireless terminal visited at an affiliate shop,
A first step in which the operating server receives transaction registration information including amount information from a merchant terminal operated by an affiliated store having the sound wave device;
A second step of uniquely identifying a merchant having the sound wave device and generating a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information;
A third step of the operation server associating and storing the transaction registration information with the UGID;
A fourth step of the operating server providing the UGID to the merchant terminal;
The operating server reads the sound wave signal from the designated operating app of the user wireless terminal that has received the sound wave transmitted from the franchisee's sound wave device at the franchisee and transmits the recognition information including information corresponding to the recognized UGID A fifth step of receiving the first signal;
The operation server reads the UGID corresponding to the recognition information and uniquely identifies the merchant having the sound wave device, and at the same time identifies a transaction registration information that is uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant A sixth step of confirming information;
A seventh 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, An eighth step of processing to perform a money transaction procedure or confirming a result of a coded money transaction procedure performed through a specified payment server; And
And providing the cipher-based payment result information for the cipher transaction procedure to the user wireless terminal and the franchisee-side terminal,
Wherein the transaction amount is used for a settlement procedure performed through an operating app of the user wireless terminal, and an asynchronous reverse payment method using a password.
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 used as an asynchronous reverse payment method using cipher money.
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, Asynchronous reverse payment method using cryptography.
The method according to claim 1,
Further comprising the steps of: confirming exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a designated real money and storing the coded money in a designated exchange storage area; Asynchronous reverse payment method using.
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 designated period and updating the exchange rate information stored in the designated exchange rate storage area.
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 at least one exchange rate information includes at least one exchange rate information of the exchange rate information adjusted to hedge the loss due to the exchange rate based on the fluctuation of the exchange rate information for a predetermined period of time. 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 And the asynchronous reverse payment method using the 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 the asynchronous reverse payment method using the password.
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 or not the user has a denomination of a currency unit.
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, Asynchronous reverse payment method using sound wave device and cryptography.
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 the asynchronous reverse payment method using the password.
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- The method of claim 1, further comprising the step of: performing a designated procedure to include in the nth encrypted currency block the settlement transaction for the settlement of accounts from the denomination of the money transaction.
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 And performing a procedure of broadcasting to the n-th block-chain network, wherein the asynchronous reverse payment method using the coded money.
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 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, And the asynchronous reverse payment method using the password.
15. The method of 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- Wherein the asynchronous reverse payment method comprises the steps of:

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