KR20190082015A - Method for Providing Asynchronous Reverse Direction Payment by using Sound Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an asynchronous reverse direction payment method by using a sound wave device and a blockchain and, more specifically, to a method which is implemented by means of an operation server which communicates with a terminal of a member store and is communicable with a wireless terminal of a user who visits the member store. The method comprises the steps of: allowing the operation server to be interlocked with a blockchain network; allowing the operation server to receive transaction registration information and a uniquely generated identification (UGID) from the terminal of the member store; allowing the operation server to store the transaction registration information in association with the UGID; allowing the operation server to receive recognition information from a management server in association with a payment application executed in the wireless terminal of the user; allowing the operation server to check one transaction registration information; allowing the operation server to provide transaction information to the management server; allowing the operation server to generate a transaction ledger history; and allowing the generated transaction ledger history to be blockchainized.

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 block chain,

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, (Unique Generated IDentification) generated through a separate sound wave device provided at the merchant to uniquely identify a specific transaction corresponding to the merchant terminal and mapping the UGID (Uniquely Generated IDentification) registered through the merchant terminal, to the transaction registration information, Receiving recognition information including the UGID (or a sound wave pattern matched with the UGID) from the management server associated with the payment application executed by the user wireless terminal that has received the sound wave transmitted from the sound wave device at the merchant site registering registration information To the management server in the case where the merchant having the sound wave device is identified and authenticated, The transaction information including the transaction amount corresponding to the transaction registration information registered in the affiliated merchant is provided so that the settlement result of the settlement result information processed by the settlement application after the settlement is processed is block-chained and stored and managed .

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 technology to such payment related fields because it is required to be secure.

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, And a Unique Generated IDentification (UGID) generated through a separate sound wave device provided at the merchant and registered through the merchant-side terminal to uniquely identify a specific transaction corresponding to the transaction registration information (Or UGID) from the management server associated with the payment application executed by the user wireless terminal that has received the sound wave transmitted from the sound wave device at the merchant terminal that has registered the transaction registration information, The sound wave pattern of the sound wave device) to identify the merchant having the sound wave device The transaction information including the transaction amount corresponding to the transaction registration information registered by the identification and authenticated merchant is provided to the management server to process the payment in the payment application, The present invention provides an asynchronous reverse payment method using a block chain and a sound wave device that stores and manages payment results in block chaining.

It is another object of the present invention to provide a method for using a block chain in a reverse sound wave settlement service while compensating for a technical and / or security defect occurring in a process of applying a block chain to settlement.

An asynchronous reverse payment method using a sound wave device and a block chain 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 sending a specified sound wave signal and communicating with a user wireless terminal visited at an affiliate shop (N > = 2) node devices operating in accordance with a specified block-chain algorithm, the method comprising the steps of: A first step of interlocking with the block chain network and the operation server receiving transaction registration information including amount information from an affiliate terminal operated by an affiliate shop having the sound wave device, At the same time, a specific transaction corresponding to the transaction registration information A second step of receiving a Unique Generated IDentification (UGID) generated through a sound wave device of a merchant associated with the merchant terminal, and a third step of associating and storing the transaction registration information and the UGID with the operating server The operating server reads the sound wave signal from the management server associated with the payment application executed in the user wireless terminal that has received the sound wave transmitted from the franchisee's sound wave device provided at the merchant, 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, registers the transaction registration information registered in the identification authenticated merchant A fifth step of identifying a transaction registration information uniquely identified through the UGID among the transaction registration information, The operation server providing the transaction information including the transaction amount corresponding to the amount information of the transaction registration information to the management server at the time of confirmation, and a step of checking the payment result information processed by the operation server And generating a transaction history including a settlement result of the settlement result information in a specified history structure that can be block-chained by the block chain algorithm; and a block chaining step of generating the transaction history details through the block- And the transaction amount is used in a payment procedure requested through the payment application.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the block-chain network may include a self-block chain network implemented through N node devices built by an operator who operates the operation server, A virtual block chain network implemented by emulating N node devices through at least one server operating in the network, and n (1 < n &lt; N) (Nn) virtual node devices that are emulated through a plurality of virtual node devices that are emulated through a plurality of virtual node devices.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the block chain network includes a block-chain network implemented for cryptographic currency transactions, a block-chain network implemented for financial- And at least one external block chain network interlocked with the operation server among the block chain networks implemented for storage.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the block chain network may include a public block chain network, or may include a private block chain network, or may include a public block chain network and a private block chain And a hybrid block chain network in which characteristics of the network are partially mixed.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the block-chain network generates a new block according to a specified block-chain algorithm by the operation server (or the node device associated with the operation server) And a block-chain network in which the active node participates in an active node capable of requesting a consensus as an effective block.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the block chain network generates or agrees with the operating server (or the node device associated with the operating server) And a block-chain network in which the validated blocks are participated in a passive node capable of real-time checking.

In an asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the first step includes: N (N? 2) node devices operating according to a specified block chain algorithm, Or a process of agreeing the new block as a valid block between each node device to perform chain chaining or a transaction ledger block including (or loading) chained valid blocks through the negotiation process is performed by each node And a step of interfacing with a block chain network implementing the block chain network in which the device is distributedly stored in the device.

In the asynchronous reverse payment method using the sound wave device and the block chain according to the present invention, the seventh step may include the steps of: determining m (1? M? M) And a step of generating a transaction record containing the information.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the seventh step includes the steps of: m (M &gt; = 2) pieces of information included in the transaction result information, m &lt; m) &lt; th &gt; pieces of secret information among the m pieces of information identified; (Mj) pieces of publicly available information and the stored / verified identification information included in the payment result information are stored in the management database or stored in the management DB, And generating a book detail.

In an asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, m (1? M? M) pieces of information to be included in the transaction ledger list among M (M? (1 < = j &lt; m) pieces of non-disclosure target information among the m pieces of identified information and generating hashed information having the unidirectionally hashed hash information of the identified j pieces of private information through a designated hash algorithm And generating transaction history records including (mj) pieces of publicly available information included in the payment result information and the generated hash information.

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the seventh step includes the steps of: m (M &gt; = 2) pieces of information included in the transaction result information, m &lt; m) &lt; th &gt; pieces of secret information among the m pieces of confirmed information and confirming j (1 &lt; j &lt; m) pieces of private information to be decrypted only through a designated decryption key. generating secret information including (mj) pieces of publicly available information included in the settlement result information and the generated password information, The decryption key includes at least one of a key value provided in a designated security area of the operation server and a private key of a server side certificate of the operation server.

In the asynchronous reverse payment method using the sound wave device and the block chain according to the present invention, the eighth step may include processing the generated transaction ledger to the block-chain network and performing a block chaining process .

In the asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, the step (eighth step) comprises the steps of: checking whether the number of transaction history details broadcasted to the block chain network for a specified reference time is less than a specified reference number; When the number of transaction history records less than the specified reference number is broadcasted to the block chain network for a specified reference time, the number of transaction history details broadcasted to the block chain network during the specified reference time period And generating a specified number of dummy transaction history details for broadcasting to the block-chain network.

In the asynchronous reverse payment method using the sound wave device and the block chain according to the present invention, the eighth step may include generating the transaction history details including the transaction history details within a predetermined time after broadcasting the transaction history details to the block- And verifying that the transaction history block including (or loading) the agreed valid block is distributedly stored in N node devices provided in the block-chain network.

According to the present invention, it is possible to uniquely identify the merchant having the sound wave device while registering the transaction registration information in the operating server designated by the merchant having the sound wave device for transmitting the sound wave signal, The UGID included in the sound wave signal is recognized by the user wireless terminal that receives the sound wave signal transmitted through the sound wave device of the merchant after linking the generated UGID and the transaction registration information to uniquely identify the transaction, When a request is made, identifies and authenticates a merchant having a sound wave device through the recognized UGID, and automatically identifies and authenticates a specific transaction corresponding to any transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant So that reverse payment processing is performed through the user wireless terminal.

According to the present invention, a merchant having a sound wave device is identified and authenticated using a UGID associated with transaction registration information registered at an affiliated store having a sound wave device, and at the same time, any one of a plurality of transaction registration information registered at the identified merchant Even if the transaction registration information for the next settlement is registered before the reverse payment for the transaction registration information previously registered at the merchant having the sound wave device is completed by automatically identifying the specific transaction corresponding to the registration information, It is advantageous that each reverse payment corresponding to each transaction registration information is processed asynchronously through each user wireless terminal that has received the sound wave signal and recognized each UGID.

According to the present invention, it is advantageous to provide a reverse sound wave settlement service that is managed securely through a block chain by eliminating various technical and / or security defects occurring in the process of applying block chain technology to settlement.

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.
FIG. 5 is a diagram illustrating a process of implementing an information registration process and a block chain network 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 a payment application according to an embodiment of the present invention.
10 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

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

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. 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 (360) that is provided to the merchant to uniquely identify a merchant and uniquely identify a specific transaction corresponding to the transaction registration information, and registers the transaction through the merchant terminal (300) The user terminal 400 that has received the sound wave transmitted from the sound wave device 360 at the merchant site registering the transaction registration information in a short distance after mapping the unregistered IDentification (UGID) (Or a sound pattern matching the UGID) from the management server 100 associated with the application 420 and transmits the recognition information including the sound wave device 360 to the merchant The transaction management server 100 provides the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification and authentication merchant to the management server 100 so as to be used in the payment processing requested by the payment application 420 1 is a block diagram illustrating a configuration of a system according to an exemplary embodiment of the present invention. Referring to FIG. 1, a person skilled in the art will be able to perform various implementations of a reverse payment system using the sound wave device 360 It is to be understood that the present invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Its technical characteristics are not limited.

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, A payment 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 confirmed transaction amount using the recognized UGID may be installed, (400), and a sound wave device (360), and registers transaction registration information to be registered in a merchant having the sound wave device (360) by communicating with the merchant point side terminal (300) A management server 100 interlocked with the payment application 420 of the user wireless terminal 400 and linked with the operation server 200, And a payment server 105 for performing a server-side payment procedure corresponding to the payment procedure of the payment application 420. [ According to an embodiment of the present invention, the operation server 200 is a block chain block-chaining a transaction history record of a specified structure via N (N? 2) node devices 115 operating according to a specified block- A function of implementing the network 110 or interworking with the implemented block chain network 110, a function of confirming the settlement result information that processed the settlement, a function of confirming the settlement result including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 110. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

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 . &Lt; / RTI &gt;

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 embodiment of the present invention, the franchise-point-side terminal 300 transmits a unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant- (Or may be omitted if stored) in the designated storage area of the side sound wave device 360, and may also be stored in the designated storage area of the affiliated store terminal 300 according to the method.

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

Meanwhile, according to another embodiment of the present invention, the merchant terminal 300 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 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.

Meanwhile, at a specified point in time before, during, and after the transaction registration information is registered in the operation server 200, the merchant's sound wave device 360 separately identifies the merchant having the sound wave device 360 And simultaneously generates a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information. Preferably, the merchant-side sound wave device 360 generates the UGID by a request (or a command) from the merchant-side terminal 300 and / or an operation unit (not shown) provided in the sound wave device 360, The UGID may be generated based on the input operation using the UGID and / or the UGID may be generated periodically. The generated UGID may be provided to the merchant terminal 300 to be registered in the operation server 200 can do.

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 merchant-side sound wave device 360 confirms a unique code that uniquely identifies a merchant having the sound wave device 360 separately, and transmits the unique code only through a specific device / The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the transaction registration information can be generated.

According to the first UGID generation embodiment of the present invention, the merchant-side sound wave device 360 confirms the unique code separately identifying the merchant having the sound wave device 360 and the time information read according to the specified rule And generating the UGID hiding the unique code by performing the designated encoding procedure using at least one of the inherent code and the time information as a parameter of the 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 merchant-side sound wave device 360 generates a unique code for separately identifying a merchant having the sound wave device 360 and random number information generated through a specified algorithm And generates a UGID hiding the inherent code by performing the specified encoding procedure using the inherent code and the random number information as at least one parameter of the 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 third UGID generation embodiment of the present invention, the merchant-side sound wave device 360 includes a unique code for separately identifying a merchant having the sound wave device 360, time information read in accordance with a specified rule, And performing the specified encoding procedure using at least one of the inherent code, the time information, and the random number information as parameters of an encoding rule for generating a code value of the designated code system, You can create a hidden 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 merchant-side sound wave device 360 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the 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 using a key value to conceal 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 merchant-side acoustic wave device 360 exchanges a specified key value with a specific device / server from which the unique code is to be read from the UGID concealed from the inherent code, A UGID hiding the unique code can be generated by encoding a series of information including the unique code according to a specified encoding rule using the read date information according to a specified rule. 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 franchise point-side sound wave device 360 is configured to generate at least one of the first to fifth UGID generation examples by at least partially combining the at least two embodiments, The present invention is not limited thereto.

Meanwhile, according to another UGID generation embodiment of the present invention, the merchant-side sound wave device 360 includes (or hides) a temporary unique code determined not to be duplicated for at least a certain period of time without concealing the inherent code, 360), and generates a code value type UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, and thus the present invention is not limited thereto.

The franchise point-side terminal 300 provides the UGID generated through at least one of the embodiments of the UGID generation to the designated franchise point-side terminal 300, and the franchise point- ), And transmits the UGID to the designated operation server 200 for requesting registration. The merchant terminal 300 may transmit the transaction registration information and the UGID together with the operation server 200, or may sequentially transmit the transaction registration information and the UGID according to a designated procedure, so that the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the affiliate shop terminal 300 operated by an affiliated store having the sound wave device 360 and also receives the UGID transmitted through the affiliated shop terminal 300 .

On the other hand, the operating server 200 receiving the transaction registration information can confirm whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is a merchant having the 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.

On the other hand, the operating server 200 receiving the UGID can read the UGID and confirm that the merchant registering the transaction registration information together with the UGID is a merchant having the sound wave device 360. For example, the operation server 200 reads a unique code included in the UGID and compares / inquires the information registered in the operation server 200, thereby registering the transaction registration information together with the UGID It is possible to confirm whether or not the shop is equipped with the sound wave device 360.

When the merchant registering the transaction registration information is identified as an affiliated store having the sound wave device 360, the operation server 200 transmits the transaction registration information (or the amount information including the amount information) received from the affiliated shop terminal 300 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 a designated storage medium, the operation server 200 provides the registration result information including the registration result of linking the transaction registration information and the UGID to the merchant terminal 300. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The franchise point terminal 300 receives the registration result information from the operation server 200 and provides the UGID to the designated franchise point side sound wave device 360 so that the franchise point side terminal 300 can receive the registration result information through the sound wave device 360 (Or a sound wave signal including a sound wave pattern matched with the UGID) obtained by encoding the UGID.

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) It is possible to generate the disposable code and perform the procedure of registering the seed information for the authentication in the operation server 200). The merchant terminal 300 can dynamically generate the one-off code of the designated code system by substituting the designated seed values into the designated code generation algorithm while generating the UGID, or dynamically generate the one-off code from the merchant terminal 300 The disposable code can be dynamically generated by being requested to dispatch. The merchant terminal 300 can transmit the sound wave signal obtained by encoding the UGID and the disposable code within a specified effective time. That is, when the sound wave signal encoding the UGID and the disposable code is transmitted from the sound wave device 360, the disposable code is generated only before the sound wave signal is transmitted, The invention is not limited.

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 &gt; 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, The payment 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. Meanwhile, the payment application 420 installed in the user wireless terminal 400 may be an application of a specific financial institution to process a payment procedure for reverse payment, but is not limited thereto, It is clear that all the apps capable of processing payments in cooperation with each other are included in the scope of the present invention.

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, An operation app for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360 is installed and executed, and the transaction amount is confirmed using the UGID recognized through the operating app, A payment application 420 for performing a payment procedure may be installed.

According to the first embodiment of the present invention, the payment application (420) of the user wireless terminal (400) is operated by the user (or the designated application (Or activated) at the user wireless terminal 400 (according to the procedure). In this case, the payment app 420 is activated (or activated) and at the same time, the sound wave input unit 410 of the user wireless terminal 400 confirms whether or not the sound wave signal is activated for inputting the designated 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 payment application 420 of the user wireless terminal 400 receives 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 embodiment of the present invention, the payment application (420) of the user wireless terminal (400) can be operated by the user (Or activated) by the user wireless terminal 400 and the payment application 420 may be driven (or activated) to determine whether to send or receive a sound wave signal to the merchant's side sound wave device 360 It is possible to display an interface screen. 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 payment application 420 transmits the sound wave signal through the sound wave output 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 that identifies the user wireless terminal 400 (or the payment application 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 payment application 420 of the user wireless terminal 400 reads the digitized data of the inputted sound wave signal and recognizes the identifier, so that the inputted sound wave signal is transmitted to the sound wave device It is possible to recognize that it is a sound wave signal transmitted through the antenna 360.

The payment app 420 that has transmitted the request signal to the merchant point-side sound wave device 360 receives the sound wave signal corresponding to the request signal from the merchant point-side sound wave device 360 and digitizes the input 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 embodiment of the present invention, the payment application 420 of the user wireless terminal 400 transmits the sound wave signal designated by the merchant-side sound wave device 360, (Or activated). The payment application 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 embodiment of the present invention, the payment application 420 of the user wireless terminal 400 may be configured to at least partially combine at least two embodiments of the first to third embodiments of the present invention The UGID and the disposable code included in the sound wave signal input through the sound wave input unit 410 can be recognized by the operation, and 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 application operations are recognized, Configures identification information including the recognized UGID and the disposable code and transmits the configured identification information to the designated management server 100 via at least one communication network connected to the user wireless terminal 400. [

The management server 100 is a collective term of a server that can be linked to a payment application 420 installed in the user wireless terminal 400. As a preferable example, the management server 100 may communicate with a payment application 420 executed in the user wireless terminal 400, And an app server for managing the payment application 420.

According to an embodiment of the present invention, the management server 100 communicates with the payment application 420 of the user wireless terminal 400, and the payment application 420 receives an application provided by a financial institution operating a designated payment system The management server 100 may be provided in the financial institution. On the other hand, when the payment application 420 is an app provided by a separate payment provider in addition to a financial company, the management server 100 may not be provided in a financial company.

According to an embodiment of the present invention, the management server 100 communicates with the payment application 420 of the user wireless terminal 400 and at the same time as the merchant terminal 300 having the sound wave device 360 And can communicate with the operation server 200 that stores and manages the registered transaction registration information.

According to the method of the present invention, when a payment procedure through the payment application 420 of the user wireless terminal 400 is performed via the management server 100, And can communicate with the payment server 105 and can link the payment procedure performed by the payment application 420 with the payment procedure of the payment server 105 based on the communication.

When the payment application 420 of the user wireless terminal 400 transmits the identification information including the UGID and the disposable code to the management server 100, the management server 100 transmits the identification information including the UGID and the disposable code And transmits the recognition information to the operation server 200.

The operating server 200 receives the identification information including the UGID and the disposable code from the management server 100 associated with the payment application 420 of 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-side sound wave device 360 and recognized through the payment application 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 the recognition information again from the payment application 420 of the user wireless terminal 400 via the management server 100 to identify and authenticate the merchant having the sound wave device 360, The process of confirming the uniquely identified transaction registration information 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 payment application 420) that has transmitted the recognition information, (Or discount) the discount information to be applied to the user of the terminal 400 (or the payment application 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 is paid through another user, the operation server 200 may interwork with the payment application 420 of the user wireless terminal 400 (for example, via the management server 100) (Or a user of the mobile terminal 400) among the amount information of the transaction registration information, and confirms / calculates a certain amount of money to be paid by the user wireless terminal 400 The transaction amount can be confirmed / determined.

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 operation server 200 transmits the configured transaction information to the management server 100 associated with the payment application 420 of the user wireless terminal 400 (for example, the management server 100 relaying the identification information) . 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.

According to the first transaction information delivery embodiment of the present invention, the management server 100 includes at least one information included in the transaction registration information including the transaction amount from the operation server 200 and / May be provided with transaction information that further includes merchant related information registered in the operation server 200 and may provide the transaction information to the payment application 420 of the user wireless terminal 400, May receive the transaction information from the management server 100 and output the transaction information through a designated interface screen on the application screen.

According to the second transaction information delivery embodiment of the present invention, the payment application 420 of the user wireless terminal 400 transmits the recognition information to the management server 100 and confirms it through the UGID included in the recognition information The management server 100 receives the transaction information confirmed through the UGID from the operation server 200 and receives the transaction information from the payment application 420 It is possible to immediately process the transaction information by transmitting the transaction information to the designated payment server 105 through the provided payment request information and requesting payment, and the present invention can also include such a right scope Please specify. However, in the embodiment of the present invention, the transaction information is provided to the payment application 420 of the user wireless terminal 400 according to the first transaction information delivery embodiment, Will be described.

The payment application 420 of the user wireless terminal 400 receives the transaction amount from the management server 100 according to the first transaction information delivery embodiment and transmits at least one And transaction information further including merchant-related information registered in the information server and / or the operation server 200, and can output the transaction information through a designated interface screen on the application screen.

The user who has confirmed the transaction information output through the designated interface screen of the payment application 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.

The payment application 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) (not shown), and performs a terminal-side payment procedure provided in the payment application 420, It is possible to process payment for the transaction amount through the user payment means available in the payment application 420 (for example, card information registered in the server side, account information, etc.) by interlocking with the payment server 105. [

The payment server 105 collectively refers to a server that performs a server-side payment procedure corresponding to a terminal-side payment procedure performed in the payment application 420 of the user wireless terminal 400 for payment approval of a specified transaction amount, (For example, a payment approval server) of the financial institution that issued the payment means, and a payment server 105 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 105 is provided in a financial institution, the payment server 105 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 105 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 105 is not provided to the financial company, the payment server 105 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, when the settlement server 105 does not perform the simple settlement, which is not the terminal settlement procedure performed by the settlement application 420, the settlement means 105 may not store the settlement means information and / or use the token information. The invention is not limited.

The payment application 420 of the user wireless terminal 400 performs a terminal side settlement procedure for interworking with the payment server 105 via a designated path, 100), or via a designated relay server (for example, a PG server, a relay server of a payment provider associated with the payment application 420, etc., not shown) The payment application 420 can be linked directly with the payment server 105 of the specified payment system (for example, the payment server 105 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 payment application 420 may perform the terminal-side payment procedure specified in the application for processing the settlement of the transaction amount by interlocking with the management server 100, Side billing procedure associated with the terminal-side settlement procedure to the payment server 105 of the specified billing system in cooperation with the management server 100 while performing the specified-terminal-side settlement procedure. Preferably, the payment server 105 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 payment application 420 and the server-side settlement procedure of the settlement server 105 may be interlocked so that settlement of the transaction amount is approved.

According to the second payment procedure embodiment of the present invention, the payment application 420 can work with a specified relay server (e.g., a PG server, a payment provider server linked to the payment application 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, 105) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 105 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 105 to allow settlement of the transaction amount to be approved.

According to the third payment procedure embodiment of the present invention, the payment application 420 can directly interlock with the payment server 105 of the designated payment system, and can process payment of the transaction amount in cooperation with the payment server 105 Side payment procedure in the application and can perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 105 while performing the specified terminal-side payment procedure . Preferably, the payment server 105 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 procedure for the transaction amount is completed through the payment server 105, the payment application 420 of the user wireless terminal 400 transmits the payment amount of the transaction amount through the path for performing the payment procedure And payment result information including the result can be provided.

Meanwhile, in the case of the first settlement procedure embodiment, the operation server 200 receives from the at least one of the management server 100, the payment server 105, and the payment application 420 payment result information Can be provided. 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 105, and the settlement application 420 . Alternatively, in the third payment procedure embodiment, the operation server 200 may receive payment result information including the payment result of the transaction amount from at least one of the payment server 105 and the payment application 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 &gt; and / or &lt; / RTI &gt; 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.

The operation server 200 according to the embodiment of the present invention operates in cooperation with the payment application 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 management server 100 interworking with the payment application 420 of the user wireless terminal 400. [

Referring to FIG. 2, the operation server 200 includes a block-chain network (hereinafter, referred to as &quot; block &quot;) that blocks the transaction history details of a specified structure via N (N? 2) And a block-chain operating unit 285 that interfaces with the block-chain network 110 implementing the block-chain network 110 or implementing the block-chain network 110.

The block-chain algorithm included in an article by Satoshi Nakamoto, anonymous on October 31, 2008, in the Gmane cryptographic technology community, says that on January 03, 2009, a password coin called "Bitcoin" Since its first implementation, to date, there have been at least several hundred variant examples of block-chain algorithms. However, the present invention can be used with any block chain algorithm among hundreds or more of the block chain algorithms modified (or modified in the future).

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than a server-centric scheme, a block-chain network 110 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 110 as 'node device 115'.

According to an embodiment of the present invention, the node device 115 on the block-chain network 110 can store a transaction history block, which is configured on the basis of a block-chain algorithm included in the designated block-chain network 110, A function of collecting transaction history details broadcasted in a block chain network, a function of generating a new block by blocking the collected transaction details of the specified number, and a function of generating at least one hash A Proof-Of-Work (POS), a Proof-of-Stake (POS), a Consensus-By-CBB (CBB) value for validating chain chaining and integrity verification of the generated new block -Bet) or the like, or applying the block-chain verification value to the new block, and providing a verification-target block including the hash value or the block-chain verification value to another node device 115 A function of verifying the verification target block as a valid block by using a hash value or a block chain verification value of a verification target block requested to be agreed from another node device 115, A block chain program for performing a function defined in a block chain algorithm included in the block chain network 110 among the functions of chaining the blocks to a transaction history block stored in a designated storage area and connecting them is installed and executed, It is preferable that all the node devices operating on the same block chain algorithm are installed and executed.

The block-chain operating unit 285 may generate N blocks (N &gt; = 2) of node devices 115 operating according to a specified block-chain algorithm to generate a new block containing a specified number of transaction history details and / (Or stacking) valid blocks between the devices 115 by performing a procedure of agreeing the new blocks into valid blocks and chaining them and / or chaining the valid blocks through the negotiation process to construct each of the node devices The block-chain network 110 may be implemented to implement a block-chaining network 110 for performing a block-chaining process of distributing and storing data in the block-chain network.

According to the first block-chaining network 110 embodiment of the present invention, an operator operating the operational server 200 may implement his own block-chain network 110 by building N real node devices 115 in-house The block chain operating unit 285 operates in conjunction with (or controls) the N node devices 115 (or at least one node device) included in the own block-chain network 110, ), And / or chaining the new block to a valid block through an agreement process between the node devices 115, and the new block including the specified number of transactions ledger blocks (Or stacked) the valid blocks to be distributed and stored in the N node devices 115. [

According to the second block-chain network 110 of the present invention, the block-chain operating unit 285 may be configured to operate in accordance with software through at least one server (for example, the operating server or a separate virtualization server) Block chain network 110 that includes N virtual node devices 115 by emulating a virtual node device 115 with N virtual nodes 115 included in the virtual block chain network 110, (Or control) device 115 (or at least one node device) to generate a new block containing a specified number of transaction history details according to a specified block chain algorithm applied to the virtual block chain network 110, and / &Quot;, or a process in which the new block is chained to a valid block through an agreement process between the node devices, and the transaction including (or loading) the agreement or chained effective block By configuring the unit block it may be operative to store the N distributed virtual node device 115. The According to an embodiment of the present invention, the virtual block chain network may include an emulation unit for emulating N virtual node devices 115 and a cloud storage for storing the transaction ledger block.

According to the embodiment of the third block chain network 110 of the present invention, the operator may construct n (1? N <N) actual node devices 115 to implement his own block chain network 110 (Nn) virtual node devices 115 by emulating software (Nn) virtual node devices 115 through at least one server (for example, the operation server or a separate virtualization server, etc.) (Nn) virtual node devices 115 implementing the virtual block-chain network 110 including the n actual node devices 115 and implementing the virtual block- (Or converge) the virtual block-chained network 110 as shown in FIG. The block chain operating unit 285 may be configured to operate on n compound node devices 115 (or at least one node device) and / or (Nn) virtual node devices 115 (or (Or at least one virtual node device) to generate a new block including a specified number of transaction history details according to a designated block chain algorithm applied to the hybrid block chain network 110 and / 115), the new block is chained to a valid block, and a transaction ledger block including (or loading) the agreed or chained effective block is constructed to form N virtual node devices 115 (for example, n Node apparatuses and (Nn) virtual node apparatuses). According to an embodiment of the present invention, a virtual block-chain network among the hybrid block-chain networks 110 is implemented by including an emulation unit for emulating (Nn) virtual node devices and a cloud storage for storing the transaction history block .

According to the fourth block-chain network 110 of the present invention, the block-chain operating unit 285 may interwork with the external block-chain network 110 implemented externally. The block chain operating unit 285 may operate in cooperation with the N node devices 115 (or at least one node device) included in the designated external block chain network 110 to the external block chain network 110 A new block including a specified number of transaction record details is generated or agreed upon by the applied designated block chain algorithm to interlink the N number of node devices 115 to store and store transaction block blocks containing (or loading) can do. According to an embodiment of the present invention, the external block chain network 115 includes a block-chain network 115 implemented for cryptographic transactions, a block-chain network 110 implemented for bank-related ledger management, Chain network 110 that can be interlocked with the operating server 200 of the block-chain network 110 implemented for the block-chain network 110. The block-chain network 110 may include at least one block- (Or stacked) valid blocks that are chained by creating or agreeing new blocks including the details of the transaction history of the structure can be distributedly stored in the N node devices, As shown in FIG.

According to the fifth block-chain network 110 embodiment of the present invention, the block-chain operating unit 285 may be configured to at least partially combine at least two of the first through fifth block- Type block chain network 110, and the present invention covers these embodiments within the scope of the present invention.

According to an embodiment of the present invention, the block-chain network implemented through the first through fifth block-chaining network 110 may include a public block-chain network in which anyone can participate, Private &lt; / RTI &gt; block-chain network that can only participate in peer-only (authenticated) peers. The block-chain algorithm may further include a hybrid block-chain network in which characteristics of the public-block-chain network and the private-block-chain network are partially mixed.

According to an embodiment of the present invention, the block-chain network implemented through the first through fifth block-chain network embodiments may be configured to transmit the new And a block-chain network in which a block is generated and the active node participates in a consensus-required active node as a valid block. Herein, the active node is an actual node implemented on a designated block-chain network, or equivalently, a node, preferably a block-chain network 110 based on a block-chaining algorithm included in a designated block- A function of collecting transaction history records broadcasted to the block chain network 110, a function of generating a new block by blocking the collected transaction history records of the specified number, A function of generating at least one hash value for chaining the generated new block and generating a valid block chain verification value for chaining and integrity verification of the generated new block, A function of applying a chain verification value, and a function of verifying whether or not the verification target block including the hash value or the block- A function of providing a lock to another node device 115 and requesting the other node device 115 to conclude a valid block, and a function of validating the verification target block using a hash value or a block chain verification value of a verification target block requested to be collated from another node device 115 Block function and a function of chaining and connecting the verified valid blocks to the transaction history block stored in the designated storage area and performing a function defined in the block chain algorithm included in the block chain network 110 .

According to an embodiment of the present invention, a block-chain network implemented through the first through fifth block-chain networks 110 includes a node device 115 associated with the operation server (or the operation server 280) The passive node may include a block-chain network 110 that is created or agreed upon in accordance with a specified block-chaining algorithm, and which can participate in a passive node capable of real- Nodes that are created or agreed upon on the block-chain network 110 in cooperation with the actual node devices 115 implemented on the network 110 and real-time validated chained effective blocks, Storing a transaction history block created on a designated block chain network 110 based on a block chain algorithm in a designated storage area; A function of verifying the validity of the block chain of the verification target block requested to be concluded based on the block chain verification value included in the verification target block requested to be agreed from the node device 115 on the base block chain network 110, And a function of chaining the valid blocks to the transaction history block stored in the designated storage area and connecting them.

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 And a communication unit for separately identifying a franchisee having the sound wave device 360 from the franchise shop-side terminal 300 and for separately identifying a specific transaction corresponding to the transaction registration information, A UGID receiving unit 215 for receiving the UGID generated through the sound wave device 360, a transaction registration management unit 220 for storing the transaction registration information and the UGID in association with each other, And a registration result providing unit 225 for providing registered result information in which the UGID is registered in association with each other.

The merchant terminal 300 operated by the merchant having the sound wave device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and constructs the transaction registration information including the amount information, 200, the transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the merchant terminal 300.

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

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

The sound wave device 360 included in the merchant registering the transaction registration information (or the merchant operating the terminal 300 that has registered the transaction registration information) separately identifies the merchant having the sound wave device 360 separately At the same time, a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information is generated, and the generated UGID is transmitted to the affiliated shop terminal 300. When the merchant terminal 300 transmits the UGID to the operation server 200, the UGID receiver 215 receives the UGID from the merchant terminal 300.

When the transaction registration information is received through the transaction registration receiving unit 210 and the UGID is received through the UGID receiving unit 215, the transaction registration managing unit 220 registers the transaction received through the transaction registration receiving unit 210 (Or at least a part of the transaction registration information including the money amount information) and the UGID received through the UGID receiving unit 215, and stores 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 registration result providing unit 225 constitutes registration result information including a registration result in which the transaction registration information and the UGID are registered in association with each other and transmits the registration result information to the merchant terminal 300 that registered the transaction registration information and the UGID And the merchant terminal 300 receives the registration result information. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The franchise point terminal 300 receiving the registration result information transmits the sound wave signal (or UGID) corresponding to the UGID encoded through the affiliate shop side sound wave device 360 associated with the affiliated shop terminal 300 within the designated valid time And the sound wave device 360 of the merchant point side performs 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 by the merchant terminal 300 or a disposable code generated by the sound wave device 360 through the disposable code. 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 the at least one of the first to fourth embodiments of the present invention, Lt; / RTI &gt; 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 payment application 420 can read the input sound wave signal through the payment application 420 and recognize the UGID and the disposable code included in the sound wave signal. When the payment application 420 is executed in the user wireless terminal 400, the payment application 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 payment application 420 of the user wireless terminal 400 transmits 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 can control the signal strength so that the sound wave signal can effectively reach a predetermined distance or less, and send the sound wave signal to the user wireless terminal 400, which receives the sound wave signal, 420), the payment application 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 payment application 420 of the user wireless terminal 400 reads out the sound wave signal and constructs recognition information including the recognized UGID and the disposable code, And transmits the configured identification information to the designated management server 100 via one communication network.

The management server 100 transmits the recognition information to the designated operation server 200 and the operation server 200 receives the UGID and the disposable code recognized by the payment application 420 from the management server 100 Is provided.

Referring to FIG. 2, the operation server 200 determines whether or not the user terminal 400 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 a payment application 420 of the user wireless terminal 400, And a transaction information providing unit (245) for providing transaction information including a corresponding transaction amount. The transaction information providing unit (245) checks the payment result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, And a settlement result processing unit 250 that processes the settlement result as a settlement result.

The recognition information receiving unit 230 receives recognition information including the UGID and the disposable code recognized by the payment application 420 from the management server 100 associated with the payment application 420 of the user wireless terminal 400 do.

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 payment application 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 the recognition information again via the management server 100 from the payment application 420 of the user wireless terminal 400 to identify and authenticate the merchant having the sound wave device 360, It is possible to perform the process of confirming the uniquely identified transaction registration information again.

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 transaction information configured to the management server 100 (for example, the management server 100 relaying the recognition information) associated with the payment application 420 of the user wireless terminal 400 send. Meanwhile, the transaction information providing unit 245 can store and manage the UGID and the transaction information for a predetermined period of time.

The management server 100 receives the transaction information including the transaction amount from the operation server 200 and transmits the received transaction information to the user wireless terminal 400 according to the first transaction information delivery embodiment of the present invention. The payment application 420 of the user wireless terminal 400 receives the transaction information including the transaction amount and outputs the transaction information through the designated interface screen on the application screen . Meanwhile, the management server 100 may transmit the second transaction information to the designated payment server 105 according to the second transaction information delivery embodiment of the present invention, As will be apparent to those skilled in the art.

The payment application 420 of the user wireless terminal 400 that has received the transaction information determines whether the settlement processing of the transaction information is determined. When determining the payment transaction of the transaction information, the payment application 420 may include a payment interface corresponding to at least one embodiment (or at least a partial combination of two or more embodiments) of the first to 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 third payment procedure embodiments of the present invention, and can perform the terminal side payment procedure for payment processing of the transaction amount And a payment server (105) of a designated payment system linked to the payment application (420) via a designated path, Payment may be approved.

Meanwhile, when a settlement procedure for processing settlement of the transaction amount is performed via the management server 100, the settlement result processing unit 250 includes the management server 100, the settlement server 105, the settlement application 420 The settlement result information including the settlement result of the transaction amount may be provided from at least one of the settlement result information and the settlement result information. The settlement server 105, and the payment application 420, the settlement result processing unit 250 may settle the transaction amount from at least one of the relay server, the payment server 105, and the payment application 420. Alternatively, And payment result information including the result can be provided. The settlement result processing unit 250 may receive at least one of the settlement server 105 and the settlement application 420 from the settlement server 105, The payment result information including the settlement result of the transaction amount can be provided from one. The settlement result processing unit 250 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.

Referring to FIG. 2, the operation server 200 confirms the settlement result information that has processed the settlement, and transmits the settlement result information through the block-chain algorithm of the block-chain network 110 implemented or interlocked with the block- A transaction history description generating unit 270 for generating a transaction history record including a settlement result of the settlement result information in a designated history structure capable of block chaining; And a block chaining procedure unit (275) for processing the block history of the transaction history to perform a block chaining process of the transaction history. The block chaining management unit (275) manages the history of the transaction to be included in the transaction history block (275).

The transaction history information generating unit 270 checks the payment result information that has processed the payment and transmits the transaction result information to the transaction history information generating unit 270 through a block chain algorithm provided in the block- And generates a transaction record containing the payment result of the settlement result information in the history structure.

According to an exemplary embodiment of the present invention, the transaction history detail generating unit 270 generates M (M? 2) pieces of information included in the payment result information through the block chain operating unit 285, (1? M? M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110. [

According to an exemplary embodiment of the present invention, the transaction history information generating unit 270 generates M (M? 2) pieces of information included in the payment result information through the block chain operating unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history record generating unit 270 generates identification information for uniquely identifying the j pieces of secret information to be identified (e.g., j pieces of identification information for individually identifying j pieces of pieces of private information to be disclosed, or j pieces of pieces of non- Identifies one or more pieces of identification information for collectively identifying information, one or more pieces of identification information for identifying j pieces of private object information, etc.), stores the j pieces of private object information and identification information in a specified management DB And / or confirms j pieces of private information and identification information previously stored in the management DB, which are matched with the confirmed j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction ledger history generation unit 270 generates (mj) pieces of publicly available information among the pieces of information included in the payment result information and the stored / The transaction history can be generated.

According to an exemplary embodiment of the present invention, the transaction history record generation unit 270 generates the transaction record M (M &gt; = 2) from the M &lt; (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-airworthy object information is confirmed, the transaction history information generating unit 270 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, (Mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if it is determined that the j pieces of hidden object information are hashed with the same hash algorithm and matched with the hash information included in the transaction ledger details in the state where j pieces of hidden object information are acquired, J pieces of non-disclosure object information corresponding to &quot; j &quot;

According to an embodiment of the fourth transaction history of the present invention, the transaction history detail generation unit 270 generates M transactions (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-open object information is confirmed, the transaction history information generating unit 270 generates encrypted information that is obtained by encrypting the confirmed j pieces of private object information through a cryptographic method of encrypting only the decrypted key using the designated decryption key (Mj) pieces of publicly available information included in the payment result information, and the generated password information. Meanwhile, the decryption key may include at least one of a key value included in a designated secure area of the operation server, and a private key of a server-side certificate of the operation server.

Meanwhile, according to the embodiment of the present invention, when the transaction history information generating unit 270 includes the payment approval result in the payment result information, it can generate the transaction account details including the payment approval result. To this end, the transaction history record generation unit 270 confirms the payment approval result included in the payment result information. If the settlement approval result contained in the settlement result information is confirmed, the transaction history record generating unit 270 generates a transaction account record including the settlement approval result in the designated history structure that can be block-chained by the block chain algorithm can do.

According to the embodiment of the fifth transaction history of the present invention, the transaction ledger history generation unit 270 generates M &lt; 2 &gt; pieces of M (M &gt; = 2) information included in the payment approval result through the block chain management unit 285, (1? M? M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110. [

According to an exemplary embodiment of the present invention, the transaction history record generation unit 270 generates and records the M < 2 &gt; pieces of information included in the payment approval result through the block chain management unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history record generating unit 270 generates identification information for uniquely identifying the j pieces of secret information to be identified (e.g., j pieces of identification information for individually identifying j pieces of pieces of private information to be disclosed, or j pieces of pieces of non- Identifies one or more pieces of identification information for collectively identifying information, one or more pieces of identification information for identifying j pieces of private object information, etc.), stores the j pieces of private object information and identification information in a specified management DB And / or confirms j pieces of private information and identification information previously stored in the management DB, which are matched with the confirmed j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction history information generating unit 270 generates (mj) pieces of publicly available information and stored / The transaction history can be generated.

According to an embodiment of the present invention, the transaction history record generation unit 270 generates and records the M < 2 &gt; pieces of information included in the payment approval result through the block chain management unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i unassigned object information is confirmed, the transaction ledger history generating unit 270 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, (Mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if it is determined that the j pieces of hidden object information are hashed with the same hash algorithm and matched with the hash information included in the transaction ledger details in the state where j pieces of hidden object information are acquired, J pieces of non-disclosure object information corresponding to &quot; j &quot;

According to the eighth transaction history description of the present invention, the transaction account history generating unit 270 generates M < 2 &gt; pieces of M (M &gt; = 2) information included in the payment approval result through the block chain operating unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 110, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-open object information is confirmed, the transaction history information generating unit 270 generates encrypted information that is obtained by encrypting the confirmed j pieces of private object information through a cryptographic method of encrypting only the decrypted key using the designated decryption key (Mj) pieces of publicly available information included in the payment approval result, and the generated password information. Meanwhile, the decryption key may include at least one of a key value provided in a designated security zone of the operation server 200 and a private key of a certificate of the server 200 of the operation server.

According to an embodiment of the present invention, the transaction history detail generating unit 270 may generate at least one of the first to eighth transaction history details by at least partially combining the at least two embodiments, It is possible to generate transaction history details of a specified history structure that can be block chained by a chain algorithm, and the present invention can also include such an embodiment as a right scope.

Meanwhile, when the transaction history details of the specified structure that can be block-chained by the block chain algorithm are generated through the transaction history detail generation unit 270 according to at least one of the first to ninth transaction history details embodiments , The block lock processing unit 275 broadcasts the transaction ledger generated through the transaction ledger creation unit 270 to the block chain network 110 that implements and interlocks with the block chain operating unit 285, A block chaining process for constructing a transaction ledger block including (or loading) a valid block that has been chained through a process of creating or negotiating a new block including the transaction ledger detail through the node device 115 on the block chain network 110 As shown in FIG.

According to an embodiment of the present invention, the node device 115 on the block-chain network 110 has a function of collecting transaction history details broadcasted to the block-chain network according to a specified block-chain algorithm, A function of generating a new block by blocking the transaction history details, a function of generating at least one hash value for chaining the generated new block, a valid block chain verification for chaining and integrity verification of the generated new block, A function of generating a value or applying the block-chain verification value to the new block, and a function of providing a verification-target block including the hash value or the block-chain verification value to another node device 115 and requesting agreement with a valid block And the hash value of the verification target block or the block chain verification value requested by the other node device 115, And the capability to verify the block as the active block, and performs a function of one or more of the functions for connecting to the valid block chaining the verification is stored in the transaction book block in the specified storage area.

According to the method of the present invention, the block chain algorithm is not used for real-time chaining in transaction unit history units (for example, instead of including the hash value of the previous transaction account details in the current transaction account details) Or a predetermined number or more), and then chained in block units (i.e., the hash value of the previous block connected from the first block is included in the current block and / or the block chain for the hash value of the current block) A predetermined (or predetermined) waiting time is required for a certain transaction record to be blocked or chained in the transaction record block. For example, in some block-chain algorithms, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Meanwhile, according to some block chain algorithms, a plurality of node devices 115 provided on the block-chain network 110 competitively participates in the process of creating and chaining blocks in which the transaction history details are blocked, Since the node device 115 monopolizes the gain generated by the block chain, the node devices 115 first include the transaction history details (for example, transaction history details with high commissions) in which the gain is maximized in the blocks generated by the node devices 115, Transaction history can be excluded or included later. Therefore, even if a predetermined waiting time for block chaining is set on the corresponding block chain algorithm in the case of a part of the transaction history broadcasted to the block-chain network 110 (for example, an external block-chain network) to which the block-chain algorithm is applied It may take several hours to several days, several weeks, or several months depending on when the node devices 115 provided in the block chain network 110 include the transaction history details in blocks, It may not be included in the trading account block until the bank 110 is closed. In order to solve this problem, the block lock management unit 280 broadcasts the transaction history to the block-chain network 110 through the block lock-up procedure unit 275, It is preferable to perform a procedure of managing the transaction ledger history to be included in the transaction ledger block effectively while block chaining of the transaction ledger details is being performed.

According to the embodiment of the present invention, the block lock management unit 280 may notify the block chain network 110 of the transaction history recorded before, during, or after a predetermined time And verifies the number of transaction history details broadcasted to the block chain network 110 for a specified reference time (e.g., a waiting time for blocking or a time corresponding to a certain rate of the waiting time). If the number of transaction history details broadcasted to the block chain network 110 is less than a specified reference number (for example, the minimum number required for blocking transaction history details), the block lock management unit 280 determines It is possible to generate a specified number of dummy transaction history details and to broadcast to the block chain network 110 in order to maintain the number of transaction history details broadcasted to the block chain network 110 to be equal to or greater than the specified reference number. Here, the dummy transaction ledger detail is not a valid transaction ledger corresponding to the actual payment result information, but is used to manage at least one of a time delay, an error, or a security problem due to a defect in some block chain algorithm (i.e., (Or fake) history information so that a new block valid at the time of generating a valid block on the block chain algorithm is generated and validly chained). For example, if the block-chain network 110 is a block-chain network 110 that is self-imitating in the operator and / or a block-chain network 110 that is used locally only in a particular country / region, When there is a possibility that more than a specified number of valid payments will not be generated, the block lockout management unit 280 checks the number of transaction history details broadcasted to the block-chain network 110 for a specified reference time, The block chain network 110 may generate a specified number of dummy transaction history details so that the number of transaction history details broadcasted to the block chain network 110 is maintained to be equal to or greater than the specified reference number.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 115 among the N node devices 115 provided in the block chain network 110 have. If a new block including the broadcasted transaction history details is not generated within a predetermined time, the block lock management unit 280 interlocks with one or more node devices 115 provided in the block-chain network 110, It may intervene in the block chain algorithm executed through the node device 115 and process such that a new block including the broadcast transaction history details is generated.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 115 (see FIG. 1) provided in the block-chain network 110 after the transaction history is broadcasted to the block- A new block including the broadcast transaction history is generated through at least one node device 115 among the N node devices 115 provided in the block chain network 110 in a predetermined period of time, It can be confirmed that a procedure for negotiation with one or more other node devices 115 provided in the block-chain network 110 is performed. If a new block including the broadcasted transaction history details is generated within a predetermined time and the agreed procedure is not performed, the block lock management unit 280 notifies the block chain network 110 of one or more node devices 115 or intervenes in a block chain algorithm executed through the node device 115 to process a procedure for agreeing new blocks generated including the broadcast transaction history.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 115 (see FIG. 1) provided in the block-chain network 110 after the transaction history is broadcasted to the block- A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details in a predetermined time is transmitted to N node devices 115 included in the block-chain network 110, Or the like. If a transaction ledger block including (or loading) the valid block including the broadcasted transaction ledger details within a predetermined time is distributed to the N node devices 115 included in the block-chain network 110 The block lock chain management unit 280 may intervene in a block chain algorithm which is interlocked with or executed through the at least one node device 115 provided in the block chain network 110, (Or loaded) valid block including the generated or agreed valid block including the broadcast transaction details is distributedly stored in the N node devices 115 provided in the block-chain network 110 have.

Meanwhile, when a transaction ledger block including (or loading) valid blocks including the broadcasted transaction ledger details generated or agreed is stored in the node device 115 included in the block-chain network 110, The controller 280 checks the transaction history block stored in the node device 115 of the block-chain network 110 in association with the node device 115 provided in the block-chain network 110, And / or a process of adding (or loading) a valid block generated or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area to update the valid block.

According to an embodiment of the present invention, the block lock management unit 280 includes a transaction history block stored in the node device 115 of the block-chain network 110 or a transaction history block stored / updated in the designated block storage area A verification operation for verifying the validity of the hash values included in each block in order to chain the i (i? 2) blocks that have been subjected to the verification (e.g., an operation for verifying whether the hash value contained in each block is valid and / (Or validity of each block included in the transaction history block) through the operation of verifying the validity of the hash values included in each block through the block chain verification value . In this case, when the validity of the transaction ledger block (or the validity of each block included in the transaction ledger block) is verified, the block lockout managing unit 280 checks the validated transaction ledger block (or the transaction including validated valid blocks) Book block) in the block storage area.

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 UGID identifying unit 335 for identifying a UGID generated through the sound wave device 360 provided separately at the merchant and a UGID identifying unit 335 for identifying the UGID to the designated operating server 200 (I.e., an affiliated store having a sound wave device 360) identified through the UGID and the validity of the transaction registration information identified for a predetermined period of time through the UGID, And a code generation unit 345 for generating a one-time code including a code value of a code system specified for the 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 may receive the transaction registration information including the amount information and store the received transaction registration information in a designated storage medium.

The UGID identifying unit 335 identifies the UGID from among the sound wave devices 360 provided at the merchant at a specified point in time before, during, and after the transaction registration unit 330 transmits the transaction registration information to the operation server 200 ) To uniquely identify a merchant with the sound wave device 360 according to at least one of the UGID generation embodiments of the present invention and to uniquely identify a particular transaction corresponding to the transaction registration information Check the generated UGID.

According to the embodiment of the present invention, the UGID identifying unit 335 requests the UGID to the sound wave device 360 interlocked through the interface unit 310, and then transmits the UGID generated and provided by the sound wave device 360 . Alternatively, the UGID identifying unit 335 can read an event generated through the interface unit 310 and confirm the UGID generated and provided by the sound wave device 360.

When the UGID generated through the merchant-side sound wave device 360 is confirmed through the UGID identification unit 335, the UGID registration unit 340 transmits the generated UGID to the designated operation server 200 and requests registration . The operation server 200 may store the transaction registration information and the UGID in association with each other, and may provide the registration result information including the registration result of linking the UGID and the transaction registration information to the merchant terminal 300, The transaction registration unit 330 (or the UGID registration unit 340) receives the registration result information from the operation server 200.

The code generation unit 345 includes a code value of a code system specified for authenticating the validity of the registered transaction registration information with a merchant (unspecified) having a unique identification through the UGID You can create a one-off code to do this. Preferably, the code generator 345 may generate the disposable code through at least one of the first to third disposable code generation embodiments of the present invention.

Referring to FIG. 3, 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 transmitted to a nearby location.

The signal transmission processing unit 350 confirms the UGID received through the UGID receiving unit 215 and provides the UGID to the sound wave device 360 associated with the merchant through the interface unit 310 within a specified 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 345, the signal transmission processing unit 350 transmits the UGID received through the UGID receiving unit 215 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 separately 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 And a UGID providing unit 375 for providing the generated UGID to the affiliated shop terminal 300. The UGID providing unit 370 stores the generated UGID in the UGID providing unit 370.

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

According to an embodiment of the present invention, the UGID generator 370 may separately identify a franchisee having the sound wave device 360 according to at least one embodiment of the UGID generation embodiment of the present invention, And generates a UGID that uniquely identifies the specific transaction corresponding to the registration information. 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.

According to the embodiment of the present invention, the UGID generator 370 identifies a unique code that uniquely identifies a merchant having the sound wave device 360 separately, and reads the unique code only through a specific device / server The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the transaction registration information can be generated. Preferably, the UGID generator 370 may generate the UGID that conceals 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 370 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.

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

The merchant terminal 300 transmits the UGID to the designated operating server 200 and registers the converted UGID in the sound wave signal (or the sound wave including the sound wave pattern matched with the UGID) through the sound wave device 360 Signal) can be transmitted.

Referring to FIG. 3, the merchant-side sound wave device 360 includes an information checking unit 380 for identifying 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 368 390).

The information verifying unit 380 checks the UGID to be transmitted through the sound wave signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364. Alternatively, the information verifying unit 380 may generate the UGID, which is generated through the UGID generating unit 370 and provided to the merchant terminal 300 through the UGID providing unit 375, as a UGID to be transmitted through the sound wave signal .

Meanwhile, the information verifying unit 380 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 385 constructs transmission information including the identified UGID in a specified information structure readable by the payment application 420 of the user wireless terminal 400. [ Meanwhile, when the disposable code is confirmed / created through the information verifying unit 380, the information configuring unit 385 transmits the identified UGID to the designated information structure readable by the payment application 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 385, the signal transmission unit 390 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 in a designated frequency band including transmission information provided by the signal transmission unit 390 through a predetermined sound wave output unit.

Meanwhile, according to an embodiment of the present invention, the payment application 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 380 to check the UGID and the disposable code according to the request signal, And / or controls to configure transmission information including the UGID and the disposable code through the information configuration unit 385, and / or transmits the sound wave signal including the transmission information through the signal transmission unit 390 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 shows the functional configuration of the payment application 420 installed in the user wireless terminal 400 and the configuration of the wireless terminal 400. The 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 payment application 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 / &Lt; / RTI &gt; 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 controller 402 of the wireless terminal 400 may download and install the payment application 420 designated from the designated application providing server (e.g., Apple's App Store, etc.) through the data network accessible through the communication resource.

4, the payment application 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 of 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 app operation embodiments of the present invention and receives the sound wave transmitted from the sound wave device 360 of the merchant point through the sound wave input unit 410 . 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 management server 100 via the communication network connected through the communication unit of the local area network communication unit 412 and the wireless network communication unit 414, And relays the recognition information to the designated operation server 200.

The operation server 200 receives the identification information including the UGID and the disposable code from the management server 100 associated with the payment application 420 of the user wireless terminal 400 and transmits the UGID And reads out the unique code hidden in the UGID and identifies and authenticates any one of the affiliated stores having the sound wave device 360 corresponding to the read unique code 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 provides the transaction information to the management server 100. The management server 100 can provide the transaction information to the management server 100, The payment may be sent to the app 420 of the user's 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 management server 100 and outputs the transaction information through the designated interface screen on the application screen .

The settlement processing unit 445 confirms whether 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 (Not shown) of the settlement information (for example, transaction information or some information necessary for the settlement processing among the transaction information) for performing the settlement processing, and performs terminal side settlement procedures of the settlement app 420, And can process payment for the transaction amount through the user payment means available in the payment application 420 by interworking with the payment server 105 of the specified payment system.

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 of the transaction information required for payment), performs the terminal-side payment procedure provided in the payment processing unit 445, and synchronizes with the payment server 105 of the specified payment system via the designated route The settlement for the transaction amount can be processed through the user payment means available in the payment application 420 (for example, card information registered in the server side, account information, etc.).

The settlement processing unit 445 preferably performs a settlement processing on the terminal side for interlocking with the designated settlement server 105 via a designated route, (For example, a PG server, a relay server of a settlement provider associated with the settlement processing unit 445, etc., not shown) linked with the settlement server 105 of the specified settlement system The payment processing unit 445 can directly link with the payment server 105 of the specified payment system (for example, a module linked with the payment server 105 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 a terminal-side settlement procedure specified in an app to process settlement of the transaction amount in conjunction with the management server 100, Side billing procedure associated with the terminal-side settlement procedure to the payment server 105 of the specified billing system in cooperation with the management server 100 while performing the specified-terminal-side settlement procedure. Preferably, the payment server 105 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 105 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, 105) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 105 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 105 to allow settlement of the transaction amount to be approved.

According to the third payment procedure embodiment of the present invention, the settlement processing unit 445 can directly interlock with the settlement server 105 of the specified settlement system, and in cooperation with the settlement server 105, Side payment procedure in the application and can perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 105 while performing the specified terminal-side payment procedure . Preferably, the payment server 105 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 105, 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 flowchart illustrating an information registration process and a block chain network according to an embodiment of the present invention.

5 illustrates an embodiment of an information registration process for reverse payment using a sound wave device 360 provided at an affiliate store and a process of implementing or interlocking the block chain network 110 for block- As a person skilled in the art of the present invention can refer to and / or modify the FIG. 5 to perform the information registration process and various implementations of the implementation / interlocking process of the block-chain network 110 (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features Is not limited.

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).

Referring to FIG. 5, the operation server 200 generates new blocks including N (N? 2) node devices 115 operating according to a specified block chain algorithm, and including a specified number of transaction history details A procedure of agreeing the new block as a valid block between each node device 115 is performed to chain or a transaction ledger block containing (or loading) chained effective blocks through the negotiation process is transmitted to each node device 115 (E.g., its own block-chain network 110 implemented via N node devices 115 built by the operating company itself), a virtual block-chain network 110 (e.g., (E.g., a virtual block-chain network 110 implemented by emulating N node devices 115 through at least one operating server), a hybrid block-chain network 110 (Nn) virtual node devices (115) emulated through node devices (115) of a plurality of nodes (1? N <N) and at least one server operated by the operator, At least one block-chain network 110 may be implemented (540). Or N (N? 2) node devices 115 operating in accordance with a specified block chain algorithm may join or generate a new block containing a specified number of transaction history details, (Or stacked) the valid block that has been chained through the above-mentioned consensus process, by performing a procedure of agreeing the new block as a valid block between the node device 115 and the node device 115, Chain network 110 (e.g., a block-chain network 110 implemented for cryptographic currency trading, a block-chain network 110 implemented for financial-related ledger management, a block-chain network (At least one external block chain network 110 that can be interlocked with the operation server 200) among the plurality of external block chain networks 110.

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, in FIG. 6, the merchant terminal 300 operated by a merchant having the sound wave device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the UGID generated by concealing the unique code through the sound wave device 360 and requests registration to the operation server 200, the operation server 200 transmits the transaction registration information, (Or an acoustic wave signal including a sound wave pattern matched with the UGID) obtained by encoding the UGID in the sound wave device 360 of the affiliated shop after the association of the UGID is registered in the reverse direction , And those skilled in the art will be able to refer to and / or modify the FIG. 6 to implement various methods of transaction registration or reverse UGID delivery However, it should be understood that 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 limited.

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 transaction registration information including the amount information from the merchant terminal 300 and stores the transaction registration information in operation 610. Meanwhile, the franchise-side terminal 300 confirms the UGID generated through the sound wave device 360 of the franchisee (615). The merchant-side sound wave device 360 includes the sound wave device 360 and confirms a unique code that uniquely identifies the merchant registering the transaction registration information (620). On the other hand, in the embodiment in which a separate inherent code is not assigned to the merchant having the sound wave device 360, the merchant-side sound wave device 360 can generate the UGID through the embodiment of FIG.

If the intrinsic code having the sound wave device 360 and uniquely identifying the merchant registering the transaction registration information is identified, the merchant-side sound wave device 360 reads only the identified unique code through the specified specific device / server (Step 625) to uniquely identify a merchant having the sound wave device 360 and to simultaneously generate a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information. Preferably, the merchant-side sound wave device 360 uniquely identifies the merchant having the sound wave device 360 through at least one embodiment of the UGID generation embodiment of the present invention, A UGID may be generated that uniquely identifies a particular transaction (625).

If the UGID is generated, the merchant-side sound wave device 360 provides the UGID to the merchant-side terminal 300 (630). The merchant terminal 300 confirms the UGID generated through the sound wave device 360 of the merchant point and requests registration to the operation server 200 at operation 635. The operation server 200 transmits the request to the merchant terminal The transaction registration information and the UGID are associated with each other and stored in a designated storage medium (645), and the transaction registration information and the UGID are registered in association with the merchant terminal (300) And transmits the registration result information including the result (650).

The franchisee-side terminal 300 receives the registration result information from the operation server 200 (655), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, identifies it through the UGID (660) the one-time code of the designated code system for authenticating the subject (for example, the transaction registration information registered at the merchant having the sound wave device 360 and / or the merchant having the sound wave device 360). 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- (670), and the UGID and the disposable code are transmitted to a designated structure (for example, the payment of the user wireless terminal 400) (A structure recognizable by the application 420) and transmits (675) an acoustic wave signal including the transmission information through an acoustic wave signal of a designated frequency band (680), 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.

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 an affiliated store equipped with the sound wave device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the UGID generated through the sound wave device 360 and requests registration to the operation server 200, the operation server 200 registers the transaction registration information and the UGID in association with each other, (Or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the UGID in the sound wave device 360 of the merchant's point side in the reverse direction. Those skilled in the art will be able to refer and / or modify FIG. 7 to illustrate various implementations of the transaction registration or reverse UGID delivery process (e.g., The present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments.

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 stores the transaction registration information in operation 710. Meanwhile, the merchant terminal 300 confirms the UGID generated through the sound wave device 360 of the merchant (715). The merchant-side sound wave device 360 includes the sound wave device 360 and uniquely identifies the merchant registering the transaction registration information and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information 720). Preferably, the merchant-side sound wave device 360 separately identifies a merchant 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, (720). &Lt; / RTI &gt;

If the UGID is generated, the merchant-side sound wave device 360 provides the UGID to the merchant-side terminal 300 (725). The merchant terminal 300 confirms the UGID generated through the merchant's sound wave device 360 and requests registration to the operation server 200 in operation 730. The operation server 200 transmits the request to the merchant terminal 200 (735), stores the transaction registration information and the UGID in a designated storage medium (740), receives the UGID from the merchant terminal (300), registers the transaction registration information in association with the UGID And transmits registration result information including the result (745).

The franchisee-side terminal 300 receives the registration result information from the operation server 200 (750), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, identifies (755) the one-time code of the designated code system for authenticating the subject (for example, the transaction registration information registered at the merchant having the sound wave device 360 and / or the merchant having the sound wave device 360). 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- (Step 760). The merchant-side sound wave device 360 confirms the UGID and the disposable code to be transmitted through the designated sound wave signal (765), and transmits the UGID and the disposable code to the designated structure (A structure recognizable by the application 420) (770), and transmits (775) a sound wave signal including the transmission information through a sound wave signal of a designated frequency band (775) 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.

In more detail, FIG. 8 shows an example 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 payment application 420 of the user wireless terminal 400, And transmits identification information including the UGID and the disposable code to the designated management server 100. The management server 100 relays the recognition information to the designated operation server 200, (200) identifies and authenticates a franchisee having the sound wave device (360) through the UGID, and identifies any transaction registration information uniquely identified through the UGID among the transaction registration information registered at the identification and authenticated merchant The transaction information including the transaction amount confirmed / calculated based on the amount information of the transaction registration information, and providing the transaction information to the management server 100, To the payment application 420. It will be understood by those skilled in the art that the present invention can be implemented by referring to and / It will be appreciated that various implementations of the provision process (e.g., some steps may be omitted or alternate implementations) may be inferred, but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 8, when the 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 payment application of the user wireless terminal 400 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 payment application 420 of the user wireless terminal 400 reads the inputted sound wave signal and recognizes the UGID and the disposable code (805). Preferably, the payment application 420 of the user wireless terminal 400 receives the sound wave transmitted through the sound wave device 360 of the merchant through at least one of the first to fourth embodiments of the present invention The UGID and the disposable code can be recognized.

If the UGID and the disposable code are recognized through the sound wave signal input from the merchant point-side sound wave device 360, the payment application 420 of the user wireless terminal 400 transmits the recognition information including the UGID and the disposable code And sends recognition information including the UGID and the disposable code to the designated management server 100 (810).

The management server 100 receives the identification information including the UGID and the disposable code from the payment application 420 of the user wireless terminal 400 and relays the identification information to the designated operation server 200 815). The operation server 200 receives the UGID and the disposable code recognized through the payment application 420 of the wireless terminal 400 from the management server 100 associated with the payment application 420 of the user wireless terminal 400 (820).

The operation server 200 reads the UGID of the recognition information (for example, decodes the UGID through the decoding rule corresponding to the encoding rule for generating the UGID), reads the unique code concealed in the UGID 825, (Or the payment application 420) using the registered information and the read unique code to the mobile terminal 400 (or the payment application 420), that is, the merchant having the sound wave device 360, (830). 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.

On the other hand, if the merchant having the sound wave device 360 is not authenticated through the UGID included in the recognition information, the operation server 200 transmits the UGID included in the recognition information to the specified management server 100 (835), the management server 100 provides an identification / authentication error (800) to the payment application (420) of the user wireless terminal (400), and the user wireless terminal (400) The payment application 420 receives the identification / authentication error and outputs it (845).

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) (850).

If the validity of the disposable code is not authenticated, the operation server 200 provides an authentication error for the disposable code included in the identification information to the designated management server 100 (835) The payment application 420 of the user wireless terminal 400 receives the authentication error and outputs the authentication error to the payment application 420 of the user wireless terminal 400 in operation 840.

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 (855) the transaction registration information 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 860). If transaction registration information identified through the UGID is confirmed, transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated (865), and the designated management server 100 confirms / (870), the management server 100 receives the transaction information from the operation server 200 and provides the transaction information to the payment application 420 of the designated user wireless terminal 400 The payment application 420 of the user wireless terminal 400 receives the transaction information including the transaction amount from the management server 100 and outputs the received transaction information.

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

9 shows an embodiment of a process of the payment application 420 of the user wireless terminal 400 processes payment of the transaction amount through the payment server 105 on the specified payment system via the designated path 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 payment application 420 of the user wireless terminal 400 receiving the transaction information through the process of FIG. 8 checks 900 whether or not the settlement process of the transaction information is determined. If the settlement process of the transaction information is determined, the settlement app 420 outputs settlement information for the settlement process of the transaction amount included in the transaction information through the designated settlement interface (905) Through a designated path corresponding to at least one embodiment (or an embodiment at least partially combining at least two of the embodiments) of the third payment procedure embodiment through the payment server 105 on the specified payment system, (910) a terminal-side settlement procedure set in the payment application (420) to process the settlement of the money, and during execution of the terminal-side settlement procedure, at least one of the first to third settlement procedure embodiments (Or at least a combination of at least two embodiments at least partially) to the payment server 105 via a designated path corresponding to the transaction And requests the payment server-side procedure for processing 915.

The settlement server 105 may receive the transaction amount (s) via a designated route corresponding to at least one embodiment (or at least a combination of at least two embodiments) of the first to third settlement 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 105 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 105 provides the settlement result information to the settlement application 420 of the user wireless terminal 400 and the operation server 200 (935) , The payment application 420 of the user wireless terminal 400 receives and outputs the payment result information that has processed payment of the transaction amount (940), and the operation server 200 receives the payment result information (945) to the designated merchant terminal (300), and the merchant terminal (300) can receive and output the payment result information.

FIG. 10 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

In more detail, FIG. 10 is a flowchart illustrating a method of generating a transaction history including a settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm, And a process of performing the block chaining process of the generated transaction ledger details through the transaction unit 110 by referring to FIG. 10 and referring to FIG. 10 and / or modified by the person skilled in the art. (For example, omitting some steps or changing the order) of the transaction management process using the block chain, the present invention may include all the methods of the inferred embodiments And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 10, a block chain network (hereinafter, referred to as &quot; block chain network &quot;) for block-chaining transaction history details of a specified structure via N (N? 2) node devices 115 operating according to a block- 110, or when the payment result information is confirmed through the process shown in FIG. 9, the operation server 200 determines whether or not the block structure can be block-chained by using the block chain algorithm A procedure for generating a transaction history including the payment result of the settlement result information is performed (1000).

According to an embodiment of the present invention, the operation server 200 may include a M &lt; RTI ID = 0.0 &gt; (M2) &lt; / RTI & (1 &lt; = m &lt; M) pieces of information corresponding to the structure (1000).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (1000).

According to the embodiment of the third transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i unassisted object information is confirmed, the operation server 200 generates hash information that unidirectionally hashes the confirmed j pieces of secret information through the designated hash algorithm, and outputs mj ) Of the openable information and the generated hash information (1000).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i un-open object information is confirmed, the operation server generates cryptographic information in which the identified j pieces of private object information are encrypted through a cryptographic method in which only the designated decryption key is decryptable, (Mj) pieces of publicly available information included in the transaction history and the generated password information (1000).

According to an embodiment of the fifth transaction history of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and selects M (M &gt; = 2) (1000) a transaction history record containing the specified m (1? M? M) pieces of information corresponding to the specified history structure that can be block chained by the block chain algorithm of the block chain network.

According to an embodiment of the sixth transaction history of the present invention, the operation server 200 confirms a payment approval result included in the payment result information, and selects one of M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (1000).

According to an embodiment of the seventh transaction ledger of the present invention, the operation server 200 confirms the payment approval result included in the payment result information, and extracts M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 &lt; = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, and mj ) Of the openable information and the generated hash information (1000).

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, (Mj) pieces of publicly available information included in the payment approval result and the generated password information (1000).

According to an embodiment of the present invention, the operation server 200 may perform at least one of the first through eighth transaction history details by at least partially combining the block chain algorithm (1000), the present invention can also include such an embodiment as well as the scope of the present invention.

When the transaction history details of the specified detail structure capable of block chaining are generated through the block chain algorithm of the designated block chain network 110, the operation server 200 transmits the generated transaction history details to the block chain network 110 To process the block chaining procedure (1005).

The node device 115 on the block-chain network 110 collects 1010 a specified number of transaction history details broadcasted to the block-chain network 110 according to a specified block-chain algorithm. If the specified number of transaction history details are collected, the node device 115 on the block-chain network 110 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 115 (1015) a procedure of requesting a consent request and / or verifying a new block requested to be consensus from another node device 115 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction history is chained, the node device 115 on the block-chain network 110 transmits a transaction ledger block including (or loading) the chained effective block (1020), and the configured transaction ledger blocks are distributedly stored in each node device (115) (1025).

Meanwhile, the operation server 200 determines whether the number of transaction details broadcasted to the block-chain network 110 is less than a specified reference number during a predetermined reference time (1030). If the number of transaction history details broadcasted to the block chain network 110 during the designated reference time is less than the designated reference number, the operation server 200 may broadcast In order to maintain the number of the transaction record details to be equal to or greater than the designated reference number, a specific number of dummy transaction record details may be generated and broadcasted to the block chain network 110 (1035). On the other hand, when a transaction history history of a specified reference number or more is broadcasted to the block chain network 110 for a specified reference time, the node device 115 on the block chain network 110 notifies the block chain network 110 of the designated number (1010), generates a new block including the specified number of transaction history details, and performs a procedure of requesting agreement with a valid block through another node device 115 and / A procedure for verifying new blocks requested to be agreed by the node device 115 and chaining the new blocks to valid blocks is performed 1015, a transaction ledger block including the chained valid blocks is constructed 1120, And distribute it to the node device 115 (1025).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 110 and broadcasts the transaction history to the block-chain network 110 in association with the block-chain process of the block-chain network 110 within a predetermined time The transaction history is managed to be block chained 1040 effectively.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 115 among the N node devices 115 included in the block chain network 110 (1140). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 200 may interwork with one or more node devices 115 provided in the block-chain network 110, (Step 1040) to intervene in the block chain algorithm executed through the device 115 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A new block including the broadcast transaction history is generated through at least one node device 115 among the N node devices 115 provided in the block chain network 110 in a predetermined time, It may be confirmed 1140 that a procedure for negotiating with one or more other node devices 115 provided in the chain network 110 is performed. If a new block including the broadcast transaction details is generated within a predetermined period of time and a consensus procedure is not performed, the operation server 200 may send a request to the one or more node devices 115 Or intervenes in a block chain algorithm executed through the node device 115 to process a new block including the broadcast transaction history to be merged (step 1140).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details in a predetermined period of time is transmitted to N node devices 115 included in the block- (1040). &Lt; / RTI &gt; If a transaction ledger block including (or loading) the valid block including the broadcasted transaction ledger details within a predetermined time is distributed to the N node devices 115 included in the block-chain network 110 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 115 provided in the block-chain network 110, (Or loaded) valid block including the generated or agreed effective block including the details of the transaction history can be distributedly stored in the N node devices 115 provided in the block-chain network 110 (1040).

Meanwhile, when a transaction ledger block including (or loading) valid blocks including the broadcasted transaction ledger details and generated or agreed is stored in the node device 115 provided in the block-chain network 110, 200 may identify the transaction ledger block stored in the node device 115 of the block-chain network 110 in association with the node device 115 provided in the block-chain network 110, Or a process of adding (or loading) a valid block created or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area and updating the valid block.

According to an embodiment of the present invention, the operation server 200 may include a transaction history block stored in the node device of the block-chain network 110 or a transaction history block stored in the transaction history block stored / a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Or validity of each block included in the transaction history block) through the block chain verification value (for example, an operation of verifying the validity of the hash values included in each block through the block chain verification value) have. In this case, when the validity of the transaction ledger block (or validity of each block included in the transaction ledger block) is verified, the operation server 200 checks the verified transaction ledger block (or the transaction ledger block including validated valid blocks Block) in the block storage area.

100: management server 105: payment server
110: block chain network 115: node device
200: Operation server 205: Information storage unit
210: transaction registration receiving unit 215: UGID receiving unit
220: Transaction registration manager 225: Registration result provider
230: recognition information receiving unit 235: identification /
240: Transaction registration confirmation unit 245: Transaction information provider
250: payment result processing unit 270: transaction ledger history generating unit
275: Block Chaining Process Unit 280: Block Chain Management Unit
285: Block Chain Operation Unit 300: Merchant Terminal Side Terminal
310: Interface Unit 315: Merchant Payment Unit
320: App for merchants 325: Information registration
330: Transaction register 335: UGID verification unit
340: UGID registering unit 345: Code generating unit
350: signal transmission processing section 355: result processing section
360: Sound wave device at merchant point 370: UGID generating section
375: UGID provider 380: Information verification unit
385: Information configuration unit 390: Signal transmission unit
400: user wireless terminal 410: sound wave input unit
420: Payment App 425: Signal Verification Unit
430: Signal recognition unit 435: Identification information transmission unit
440: Transaction information receiving unit 445: Payment processing unit

Claims (14)

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,
The operating server implements a block-chain network for block-chaining transaction history details of a specified structure through N (N? 2) node devices operating in accordance with a specified block-chain algorithm, Stage 1;
The operation server receives transaction registration information including amount information from an affiliate shop terminal operated by an affiliated store having the sound wave device, and uniquely identifies a merchant having the sound wave device separately and at the same time, A second step of receiving a Unique Generated IDentification (UGID) generated through a sound wave device of a merchant associated with the merchant terminal in order to uniquely identify a specific transaction;
A third step of the operation server associating and storing the transaction registration information with the UGID;
The operating server reads the sound wave signal from the management server associated with the payment application executed in the user wireless terminal that has received the sound wave transmitted from the franchisee's sound wave device provided at the merchant, A fourth step of receiving recognition information including information;
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 fifth step of confirming information;
A sixth step of, when the transaction registration information is confirmed, the operation server providing the transaction information including the transaction amount corresponding to the amount information of the transaction registration information to the management server;
A seventh step of confirming the settlement result information in which the operation server processed the settlement and generating a transaction account history including the settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm; And
And processing to perform a block chaining process of the generated transaction ledger details through the block chain network,
Wherein the transaction amount is used in a payment procedure requested by the payment application, and the asynchronous reverse payment method using the sound wave device and the block chain.
The method of claim 1, wherein the block-
A self-block chain network implemented through N node devices built by an operator operating the operation server,
A virtual block chain network implemented by emulating N node devices through at least one server operated by the operator,
At least one of a composite block-chain network implemented by including n (n < = n &lt; N) node devices built in the operating company and (Nn) virtual node devices emulated through at least one server operated by the operator Wherein the asynchronous reverse payment method uses a block chain and a sound wave device.
The method of claim 1, wherein the block-
Block chain network implemented for cryptographic transactions,
In order to manage financial related ledgers,
And at least one outer block chain network capable of interlocking with the operation server among the block chain networks implemented for storing information. The asynchronous reverse payment method using a block chain and the sound wave device.
4. The method according to claim 2 or 3, wherein the block-
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network in which characteristics of a public block chain network and a private block chain network are partially mixed. The asynchronous reverse payment method using a sound chain device and a block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) generates a new block according to a specified block-chain algorithm and joins the active server as an active node capable of requesting a consensus as a valid block Asynchronous reverse payment method using a sound chain device and a block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) is created or agreed according to a designated block-chaining algorithm and participated in a passive node capable of real- Asynchronous reverse payment method using a sound wave device and a block chain.
2. The method according to claim 1,
(N &gt; = 2) node devices operating in accordance with a specified block chain algorithm to create a new block including a specified number of transaction history details or to agree the new block as a valid block between each node device Chain or a block chain network for distributing and storing a transaction history block including (or loading) valid blocks that are chained through the above-mentioned consensus process to each node device, And the asynchronous reverse payment method using a block chain.
The method as claimed in claim 1,
(M &gt; = 2) pieces of information included in the payment result information, and generating a transaction ledger description including m (1 &lt; = m & Asynchronous reverse payment method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Matching the identified j pieces of private object information with unique identification information and storing the identified j pieces of private object information in a specified management DB or checking j pieces of private object information and identification information previously stored in the management DB; And
And generating transaction details including (mj) pieces of publicly available information included in the payment result information and the stored / verified identification information. The method of claim 1, Payment Method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating hash information by unidirectionally hashing the identified j number of pieces of private information through the hash algorithm; And
And generating transaction history data including (mj) pieces of publicly available information and the generated hash information included in the payment result information. The method as claimed in claim 1, .
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating cryptographic information by encrypting the identified j pieces of private information to be decrypted by using a cryptosystem for decrypting only the decrypted private key; And
And generating transaction details including (mj) openable information included in the payment result information and the generated password information,
Wherein the decryption key comprises:
A key value included in a designated security zone of the operation server,
And a private key of a server-side certificate of the operating server. The asynchronous reverse payment method of claim 1,
The method as claimed in claim 1,
And transmitting the generated transaction history information to the block chain network to process a block chaining process. The asynchronous reverse payment method according to claim 1,
13. The method of claim 12,
Confirming whether the number of transaction history details broadcasted to the block chain network for a specified reference time is less than a specified reference number; And
When the number of transaction history records less than the specified reference number is broadcasted to the block chain network for a specified reference time, the number of transaction history details broadcasted to the block chain network during the specified reference time period Further comprising the step of generating a specified number of dummy transaction history details and broadcasting to the block-chain network the asynchronous reverse payment method using the block chain.
13. The method of claim 12,
A transaction history block including (or loading) valid blocks generated or agreed including the broadcast transaction details within a predetermined time after broadcasting the transaction history details to a block chain network is transmitted to N The method comprising the steps of: confirming whether the data is distributed and stored in the node devices.

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