KR20190082628A - Method for Providing Asynchronous Reverse Direction Payment by using Affiliated Store's Mobile Device with Sound Signal Sending and Cryptocurrency - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using an affiliated store wireless terminal for transmitting a sound wave signal and cryptocurrency, capable of solving various technical and/or security defects, which comprises: a first step of receiving uniquely generated identification (UGID) by an operating server; a second step of generating a one-time authentication code by the operating server; a third step of associating and storing transaction registration information, the UGID, and the authentication code by the operating server; a fourth step of receiving recognition information by the operating server; a fifth step of authenticating validity of the transaction registration information by the operating server; a sixth step of providing transaction information by the operating server; a seventh step of confirming a result of a cryptocurrency transaction procedure; and an eighth step of providing cryptocurrency-based payment result information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asynchronous reverse payment method using an encryption terminal,

The present invention separately identifies a franchisee having a franchisee wireless terminal that transmits the sound wave signal when registering transaction registration information including amount information for reverse settlement from a franchisee wireless terminal that transmits a specified sound signal, And generates a disposable authentication code for authenticating the validity of the transaction registration information, and transmits the unregistered authentication code for mapping the transaction registration information to the transaction registration information And transmits the sound wave signal to the merchant wireless terminal that receives the sound signal transmitted from the affiliate store wireless terminal that registered the transaction registration information from the operating app of the user wireless terminal that receives the sound wave signal, The identification and authentication of the merchant having the terminal and the registration at the merchant When the transaction information including transaction amount corresponding to the transaction registration information corresponding to the transaction registration information is provided to the operating app of the user wireless terminal when the registration information is authenticated, And when the user wireless terminal requests payment using a block chain based cipher system, the cipher system uses the cipher system as a payment means to process the payment.

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.

Recently, there has been an investment craze in blockcain based cryptography including bit coins, and blockchain technology has been portrayed as a versatile technology to replace conventional technology, but in reality it is not.

First, since the block-chain technology is implemented in P2P (peer-to-peer) manner as described by anonymous Satoshi Nakamoto in his paper, it is applied to a technical field in which there is a clear business entity or service subject It has a difficult problem.

In addition, the block chain technology has the technical characteristics to guarantee the stability only if the peers reach voluntary and devoted participation based on the appropriate compensation system and the scale reaches a certain level. Which has the difficulty of applying to the technological field which is difficult to induce voluntary and dedicated participation of the technical field or the peer.

In addition, since the block chain technique collects a plurality of pieces of data and blocks them, it has a technical characteristic that it takes a certain waiting time (for example, 10 minutes for bit coin) to collect data or block the data. It is difficult to apply it to a technical field requiring a real-time service or a technical field requiring a real-time service.

In addition, the block-chain technology has a technical feature that multiple peers completely disclose all information in an unspecified form, thereby preventing the forgery and falsification of information. Accordingly, the present invention is applied to a field that deals with secret information or a technology field that is sensitive to privacy invasion It has the following difficulties.

In addition, block-chain technology has technical features of inefficiency that waste unnecessary energy and consume resources, and this inefficiency forms the basis of block-chain technology security. Recently, in order to solve the problem of inefficiency, some block chain technology has been transformed into a form in which energy waste and resource consumption are reduced to a certain level. In this case, since the basis of the block chain technology security becomes weak, Which is a problem.

In other words, the block-chain technology is a technology optimized for P2P-based cryptographic transactions, and it has a problem that many deficiencies occur technically and securely in applying to other technology fields other than cryptography.

In the field of settlement, it is difficult to induce voluntary and voluntary participation of peers, and there is a need for real-time information processing and settlement approval, as well as information that is sensitive to confidential information or privacy invasion It is technically difficult to apply block-chain-based cryptography to such settlement-related fields.

An object of the present invention to solve the above problems is to provide a franchisee wireless terminal that transmits the sound wave signal when registering transaction registration information including money amount information for reverse payment from an affiliate franchise terminal that transmits a specified sound wave signal A unique identification of the merchant is separately performed, and at the same time, the merchant wireless terminal receives the generated Uniquely Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction registration information, and authenticates the validity of the transaction registration information. The UGID and the identification code including the authentication code from the operating app of the user wireless terminal that has received the sound signal transmitted in the short distance from the affiliate store wireless terminal that registered the transaction registration information after generating the authentication code, And a franchisee wireless terminal for transmitting the sound wave signal And providing the transaction information including the transaction amount corresponding to the authenticated transaction registration information to the operating app of the user wireless terminal when the transaction registration information registered at the merchant is authenticated, And the payment processing corresponding to the transaction information is performed by the application. In the case where the user wireless terminal requests payment using blockchain-based cryptography, the user terminal uses the coded money as the payment means to process the payment, And an asynchronous reverse payment method using a coded money.

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

An asynchronous reverse payment method using encrypted money and a merchant wireless terminal for transmitting an acoustic wave signal according to the present invention is executed through an operation server communicating with a merchant wireless terminal that transmits a specified sound wave signal in a short distance and communicating with a user wireless terminal visited at a merchant The operation server receives the transaction registration information including the money amount information from the wireless terminal of the merchant to which the operating server transmits the designated sound wave signal and transmits the designated sound wave signal to the franchisee Receiving a UGID (Uniquely Generated IDentification) generated through the merchant wireless terminal to uniquely identify a specific transaction corresponding to the transaction registration information, and a second step of receiving, from the UGID, Write a one-time authorization code to authenticate validity A third step in which the operating server stores the transaction registration information in association with the UGID and the authentication code, and a third step in which the operating server receives the sound signal transmitted from the wireless terminal at the merchant point A fourth step of reading the sound wave signal from the designated operating app of the user wireless terminal and receiving the recognition information including the recognized UGID and information corresponding to the authentication code; and the operation server reads the UGID corresponding to the recognition information Authenticating the merchant having the merchant wireless terminal that has transmitted the sound wave signal, identifying one of the transaction registration information uniquely identified by the UGID among the transaction registration information registered in the identification and authenticating merchant, A fifth step of authenticating the validity of 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 operating application of the user wireless terminal; N < / RTI > < RTI ID = 0.0 > (n) < / RTI > of the cryptograms to identify the user's cryptographic account of the nth cryptographic currency, A password exchange transaction process for transferring the password unit for settlement for payment from the user's password account of the n-th cipher system to the designated password for the settlement of accounts is performed through the chain network, A seventh step of confirming the result of the cryptographic transaction procedure performed through the cryptographic transaction procedure, Comprising an eighth step of providing to the wireless terminal and the merchant-side terminal, the transaction amount is characterized in that for use in a payment process that is performed through the operation of the user, the wireless terminal app.

In the asynchronous reverse payment method using the coin money and the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the N cipher money is transmitted to the operating server (or the node device associated with the operating server) (Or a node device associated with the operation server), which is implemented on a designated block-chain network, in accordance with a block chain algorithm implemented in the block-chain network, A password encrypted by a passive node capable of real-time confirmation of a chained block generated or agreed through a block-chaining algorithm, a password encrypted by an operator issued through a block-chain network implemented by an operator operating the operating server, And at least one encrypted currency is included.

In an asynchronous reverse payment method using a cigarette money wireless terminal and a merchant wireless terminal for transmitting an acoustic wave signal according to the present invention, the user information for the user is registered through an app of the user wireless terminal, and an nth The user side password money account information identifying the user password money account established to identify the user's password currency unit on the block chain network and the user password money account information in accordance with the block chain algorithm implemented on the nth block chain network Performing a procedure of registering user-side password money registration information including user-side password money transaction authentication information set for a password currency transaction using the held password money account unit; and transmitting the user side password money account information and the user side password Currency transaction authentication information in association with the user information And managing the user-side encrypted money transaction by storing the encrypted money transaction in the management DB.

In an asynchronous reverse payment method using a cryptographic currency, a fictitious mobile terminal for transmitting an acoustic signal according to the present invention is characterized in that it checks exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And storing the data in the designated exchange storage area.

In an asynchronous reverse payment method using a cryptographic currency, when the exchange rate information is changed, the exchange rate information which is changed every designated period is checked and the exchange rate information stored in the designated exchange rate storage area The method comprising the steps of:

In an asynchronous reverse payment method using a coin money and a wireless terminal of a merchant transmitting an acoustic wave signal according to the present invention, when a settlement request using the n-th cipher currency is confirmed, Determining payment currency information based on current exchange rate information, and determining a settlement currency unit corresponding to the amount of settlement based on the settlement exchange rate information.

In the asynchronous reverse payment method using the coin money, the payment currency exchange information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, At least one of the adjusted exchange rate information to hedge the loss due to the exchange based on the exchange rate information which is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And the exchange rate information.

In an asynchronous reverse payment method using a cigarette money and an affiliate shop wireless terminal for transmitting an acoustic wave signal according to the present invention, an asynchronous reverse payment method is applied to an N block chain network implementing N (N? 1) Identifying a cryptographic block including chained blocks created or agreed upon according to an implemented block chain algorithm and storing the cryptographic block in a designated block storage area, and generating a new block according to a block chain algorithm implemented on the N block chain network And confirming a new block to be agreed upon and chaining the new block to a cryptographic block stored in a designated block storage area for updating.

In an asynchronous reverse payment method using a cigarette money wireless terminal and a franchisee wireless terminal for transmitting an acoustic signal according to the present invention, an i (i? 2) And verifying the validity of the n-th cipher block by performing a specified verification operation on the hash values of the n-th cipher block.

The asynchronous reverse payment method using cryptographic money and a merchant wireless terminal for transmitting an acoustic signal according to the present invention is characterized in that when confirming a payment request using the n-th cipher currency, the latest updated n-th cipher And a step of authenticating whether or not the user has a valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic currency account of the n-th cryptographic unit based on the block. .

In the asynchronous reverse payment method using the cryptographic money and the merchant wireless terminal for transmitting the sound wave signal according to the present invention, when confirming the payment request using the n-th cipher currency, the time point when the payment request using the n-th cipher currency is confirmed N < / RTI > ciphertext block included in the n < th > ciphertext block while the user's ciphertext account is included in the withdrawal account among the ciphertext transaction details broadcasted on the nth block- The method comprising the steps of: performing a password validation authentication procedure of authenticating a password;

In the asynchronous reverse payment method using the cryptographic money and the merchant's wireless terminal for transmitting the sound wave signal according to the present invention, when confirming the details of the user-side withdrawal related unrecognized password transaction on the n-th block-chain network, Related password in the user's password money account by using at least one of the encrypted currency unit contained in the uninitialized password currency transaction history and the encrypted currency unit held in the user's password money account, And performing a password validation authentication procedure including a procedure for authenticating whether or not a currency unit is held.

In the asynchronous reverse payment method using the cryptographic money and the merchant wireless terminal for transmitting the sound wave signal according to the present invention, when checking the details of the user-side withdrawal-related unrecognized password transaction on the n-th block-chain network, And a step of, in association with a block chaining process based on a block chaining algorithm implemented in the network, a procedure designated to include in the n-th cipher block the transaction details of the settlement password currency transaction prior to the confirmed user- The method comprising the steps of:

In an asynchronous reverse payment method using a coin money and a wireless terminal of a merchant transmitting an acoustic wave signal according to the present invention, in the seventh step, the seventh step is a step in which, among the cipher units held in the user's cipher currency account of the nth cipher currency, And a step of generating a billing password transaction transaction for transferring the billing password unit corresponding to the amount to the designated billing password account and broadcasting it to the nth block-chain network .

In the asynchronous reverse payment method using the cryptographic money and the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the payment password account for settlement may be an asynchronous reverse payment method using the password of the nth cipher currency, And an escrow cryptographic account of a nth cryptographic currency designated for an escrow which is temporarily stored for exchanging the cryptographic currency unit for settlement into the real currency unit.

In the asynchronous reverse payment method using the cryptographic money and the wireless terminal of the merchant transmitting the sound wave signal according to the present invention, the payment password account for settlement may be an asynchronous reverse payment method using the password of the nth cipher currency, And a cryptographic money account for buying the cryptographic unit for settlement after requesting sale of the cryptographic unit for settlement in accordance with the designated cryptographic transaction procedure.

In the asynchronous reverse payment method using the encryption money and the merchant wireless terminal for transmitting the sound wave signal according to the present invention, in the eighth step, the ninth block chain network broadcasts the password transaction for settlement, And providing settlement result information including a result of a cryptography-based settlement approval for the cryptographic currency transaction procedure to the user wireless terminal and the affiliate terminal.

According to the present invention, a merchant wireless terminal having a function of transmitting a specified sound wave signal uniquely identifies a merchant having a wireless terminal for transmitting the sound wave signal while registering transaction registration information in a designated operating server, The UGID included in the sound wave signal is transmitted from the user wireless terminal which receives the sound wave signal transmitted through the affiliate shop wireless terminal after registering the generated UGID and the transaction registration information in order to uniquely identify the specific transaction corresponding to the registration information, And a wireless terminal for transmitting the sound wave signal through the recognized one UGID in the case of requesting the reverse payment, identifies and authenticates an affiliated shop, and at the same time, Automatically identifies a specific transaction corresponding to the registration information, There is an advantage of being processed.

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using an affiliate shop wireless terminal that transmits a sound wave signal 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 wireless terminal of an affiliate shop according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.
8 is a diagram illustrating a process of recognizing sound signals or providing transaction information of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a reverse payment process using an operating app according to an embodiment of the present invention.
10 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.
11 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chain network according to an embodiment of the present invention.
12 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.
FIG. 13 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.
FIG. 14 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.
FIG. 15 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.
16 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

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

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

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

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

FIG. 1 is a diagram showing a configuration of a system for providing reverse payment using an affiliate shop wireless terminal that transmits a sound wave signal designated according to an embodiment of the present invention.

More specifically, FIG. 1 shows a merchant shop 300 having an affiliate shop wireless terminal 300 that transmits the sound wave signal when registering transaction registration information including amount information for reverse payment from an affiliate shop wireless terminal 300 that transmits a specified sound wave signal And simultaneously authenticates the validity of the transaction registration information by receiving the generated Unique Generated IDentification (UGID) from the merchant wireless terminal 300 in order to uniquely identify a specific transaction corresponding to the transaction registration information The operation application 420 of the user wireless terminal 400 that receives the sound signal transmitted from the affiliate shop wireless terminal 300 that has registered the transaction registration information in the short distance generates the disposable authentication code, (300) for receiving the identification information including the UGID and the authentication code and transmitting the sound wave signal to the merchant If the transaction information including the transaction amount corresponding to the authenticated transaction registration information is provided to the operating app 420 of the user wireless terminal 400 when the identification information is authenticated and the transaction registration information registered at the merchant is authenticated, When the user wireless terminal 400 requests payment using the blockchain-based cipher key, the operating application 420 of the user wireless terminal 400 processes the payment for the transaction information, 1 as a payment means and processes payment for payment. As far as the person skilled in the art is familiar with the present invention, it is possible to refer to and / Various implementations of the reverse payment providing system using the wireless terminal 300 (e.g., some of the components may be omitted, or subdivided, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

The system of the present invention includes an affiliate shop wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliate shop and a UGID of a sound wave signal transmitted through the affiliate shop wireless terminal 300 Recognizes a merchant having the merchant wireless terminal 300 to which the merchant terminal 300 is transmitted and identifies the unique transaction of the merchant uniquely) and recognizes the transaction amount confirmed using the recognized UGID And an affiliated shop wireless terminal 300 that is linked to the operating app 420 of the user wireless terminal 400 and operated by each affiliated store, And a payment server 100 having a communication-enabled operation server 200 and linked with the operation server 200 or performing a designated server-side payment procedure in cooperation with the operating application 420, It is. Meanwhile, when the user wireless terminal 400 requests the payment using the block chain based cipher from the user wireless terminal 400, at least one (or two) of the operation server 200 and the payment server 100 The server of the present invention performs a cryptogram transaction procedure for making a settlement using the cryptogram as a payment means, and a preferred embodiment thereof will be described with reference to FIG.

The affiliate shop wireless terminal 300 is a collective term of a wireless terminal having a function of providing a sound wave signal provided at an affiliate shop and is preferably an affiliate shop wireless terminal (for example, a smart phone, a mobile phone, a tablet PC, Or at least one of the wireless terminals owned by the merchant (or employee). Meanwhile, according to the embodiment, the merchant wireless terminal 300 may further include a wireless communication terminal (e.g., a pad type force) provided for forward payment at each merchant, and the present invention is not limited thereto. In other words, the franchisee wireless terminal 300 of the present invention can be any wireless terminal that performs the function of the affiliate terminal described in the present invention by being operated by the affiliate shop, and can be any wireless terminal, .

According to an embodiment of the present invention, the merchant wireless terminal 300 can communicate with the operation server 200 through a communication network, and is provided with a designated merchant store 300 for performing the operation of the merchant wireless terminal 300 for the reverse payment according to the present invention Application 320 is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant wireless terminal 300 as a main body is implemented through the merchant application 320.

When the affiliated store wireless terminal 300 that transmits the sound wave signal assigned to the affiliated store is provided and the app store 320 for the affiliated store designated by the affiliated store wireless terminal 300 is installed in the affiliated store wireless terminal 300, The application 320 can perform a predetermined information registration procedure for reverse payment.

According to the method of the present invention, the merchant wireless 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 wireless terminal 300 stores the merchant information given to the merchant in a designated storage area for a predetermined payment (for example, a forward payment for transmitting a message to a card company via a VAN in a conventional CAT / POS, etc.) Or can input and register the merchant information by transferring the merchant information to the designated operating server 200. Alternatively, the affiliate shop wireless terminal 300 may store identification information given for identifying the affiliate shop wireless terminal 300 before the application of the merchant shop 320 is installed in the affiliate shop wireless terminal 300, May include a telephone number, IMSI, etc.) may be stored in a designated storage area or received, and the terminal information may be transmitted to the designated operation server 200 for registration.

The franchisee wireless terminal 300 receives a specific unique code (for example, a unique code determined not to be duplicated, and / or a unique code determined to be unique to the franchisee 300 having the franchisee wireless terminal 300 transmitting the specified sound wave signal, After the function of transmitting the sound wave signal to the wireless terminal 300 in a short distance is implemented, a unique code determined not to be duplicated, and / or a unique code determined by the merchant wireless terminal 300 to uniquely identify the merchant wireless terminal 300, A unique code determined so as not to be duplicated in order to uniquely identify the affiliate shop wireless terminal 300 that installs the application after the app for transmitting the sound wave signal to the terminal 300 is transmitted to the terminal 300, The server 200 may process the unique code to be registered.

According to the first specific code embodiment of the present invention, the unique code is determined not to be duplicated in order to uniquely identify a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, . ≪ / RTI > Traditionally, the merchant information may be assigned information (for example, merchant store information such as a merchant store number for payment in the forward direction) to identify the merchant store. Conventionally, the information assigned to the merchant store is transmitted to the merchant The unique code is the information allocated to the franchisee to identify only the franchisee regardless of whether the franchisee wireless terminal 300 is provided or not, And may include a code value determined so as not to be duplicated in order to separately identify the franchisee having the franchise point wireless terminal 300 that transmits the signal.

According to the second specific code embodiment of the present invention, the unique code is transmitted to the merchant wireless terminal 300, which transmits the sound wave signal to the merchant wireless terminal 300 after the function of transmitting the sound wave signal to the affiliated merchant wireless terminal 300 is implemented And may include code values that are determined not to be duplicated for unique identification. For example, the unique code is installed in an affiliate shop application 320 that transmits a sound wave signal to the affiliate shop wireless terminal 300 in a short distance, so that the affiliate shop application 320 is located within a short distance And may include a code value determined not to be duplicated in order to uniquely identify the affiliate shop wireless terminal 300 that transmits the sound wave signal when the specified sound wave signal can be transmitted using the sound wave signal dispatch function. That is, if the terminal information is merely information for identifying the wireless terminal, the unique code may include a code value that is determined so as not to be duplicated to uniquely identify the merchant wireless terminal 300 that transmits the specified sound wave signal have.

According to the third inherent code embodiment of the present invention, the unique code is installed in the merchant's office (300) after the merchant's point application (320) for transmitting the sound wave signal specified to the merchant's wireless terminal The mobile terminal 300 may include a code value that is determined so as not to be duplicated in order to uniquely identify the mobile terminal 300 that executes. A code value uniquely determined so as not to be redundant may be given to the merchant wireless terminal 300 through the merchant store application 320 at the first execution after the merchant store application 320 specified in the merchant store wireless terminal 300 is installed In this case, the coin bag provided to the merchant wireless terminal 300 can be used as the unique code.

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, the unique code of the present invention makes it clear that any code that is not redundantly assigned in order to uniquely identify the merchant wireless terminal 300 that transmits the specified sound wave signal falls within the scope of the present invention .

According to the method of the present invention, the affiliate shop wireless terminal 300 confirms the unique code corresponding to at least one of the first to fourth unique code embodiments, and registers the unique code through the designated operation server 200 Procedure can be performed.

According to the first unique code checking embodiment of the present invention, the unique code includes a code value assigned in the merchant shop sign-up process using the merchant store application 320 installed in the affiliate shop wireless terminal 300 or using a website In this case, the franchisee (or employee) of the franchisee may input the assigned code value through the franchisee wireless terminal 300, and the franchisee wireless terminal 300 may input the code value You can check your own code.

According to the second specific code checking embodiment of the present invention, the merchant application 320 of the merchant wireless terminal 300 can be executed for the first time after being installed in the merchant wireless terminal 300 A unique code value determined not to be duplicated from the designated server or a unique code value may be determined from the designated server according to the designated application identification authentication and / or subscription procedure, and may be approved through the server, Can confirm a unique code including a code value uniquely assigned to the merchant application 320 after installation.

According to the third specific code checking embodiment of the present invention, the affiliate shop wireless 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 specific code checking embodiment of the present invention, the merchant wireless 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 wireless terminal 300 generates a non-redundant code value (or generates a code value The franchisee wireless 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 wireless terminal 300, And receive a unique code containing the received code value.

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

According to the method of the present invention, the merchant wireless terminal 300 transmits the unique code, which is confirmed through at least one of the first to sixth unique code checking embodiments, to the designated store (But can be omitted if stored).

According to an embodiment of the present invention, the merchant wireless terminal 300 transmits the unique code identified through at least one of the first through 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 payment, and terminal information on the merchant wireless terminal 300, The inherent code can be linked and stored in the designated storage medium.

Meanwhile, according to another embodiment of the present invention, the merchant wireless terminal 300 transmits the sound wave signal at any time before, during, or after registration of the transaction registration information including the amount information for the reverse payment, When a UGID of a code value type that uniquely identifies a merchant having the terminal 300 separately and uniquely identifies a specific transaction corresponding to the transaction registration information is dynamically generated, a procedure of registering the unique code is omitted And it is clear that the present invention can also include an embodiment that does not register the inherent code as a scope of right.

According to the present invention, when reverse payment is made using the specified sound wave signal transmitted from the merchant wireless terminal 300, the merchant wireless terminal 300 receives the money amount information for the reverse payment or confirms the money amount information according to the designated procedure, And registers the transaction registration information including the amount information 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 wireless terminal 300) for registering the transaction registration information for the reverse payment, merchant information , And terminal information provided in the affiliate shop wireless terminal 300. [0050] Meanwhile, if the unique code is provided to the affiliate shop wireless terminal 300 according to the method and the unique code is registered through the operation server 200, the transaction registration information may further include the unique code, The present invention is not limited thereto.

On the other hand, at a designated point in time before, during, and after the registration of the transaction registration information in the operation server 200, the affiliate shop wireless terminal 300 is a merchant shop having the affiliate shop wireless terminal 300 that transmits the sound wave signal And simultaneously generates a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information.

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 generated to have uniqueness that is not redundant, and is a unique identifier for uniquely identifying a merchant having the merchant wireless terminal 300 and an identifier for uniquely identifying a specific transaction corresponding to the specific transaction registration information The merchant terminal having the merchant wireless terminal 300 can be uniquely identified separately and the specific transaction corresponding to the specific transaction registration information can be uniquely identified (or combined) (Or multiple) identities that are unique to the system. 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 an embodiment of the present invention, the merchant wireless terminal 300 identifies a unique code that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, 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 affiliate shop wireless terminal 300 includes a unique code that uniquely identifies a merchant having the affiliate shop wireless terminal 300 that transmits the sound wave signal, The UGID can be generated by hiding the unique code by checking the time information and performing the designated encoding procedure by using the unique code and the time information as at least one parameter of an encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the second UGID generation embodiment of the present invention, the merchant wireless terminal 300 generates a unique code that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, The UGID can be generated by checking the random number information and performing the specified encoding procedure by using the unique code and the random number information as at least one parameter of the encoding rule for generating the code value of the designated code system have. 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 wireless terminal 300 includes a unique code for separately identifying a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, Checks the random information generated based on the time information and the specified algorithm, and performs a designated encoding procedure using the unique code, the time information, and the random number information as at least one parameter of an encoding rule for generating a code value of the designated code system Thereby generating the UGID that conceals the inherent code. 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 wireless terminal 300 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read out 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 the inherent 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 wireless terminal 300 exchanges a designated key value with a specific device / server from which a unique code is to be read out from a UGID hiding the unique code, A UGID 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 the 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 affiliate shop wireless terminal 300 transmits the unique code through at least part of at least two embodiments among the first through fifth UGID generation embodiments It is possible to generate a hidden UGID, and thus the present invention is not limited thereto.

According to another UGID generation embodiment of the present invention, the merchant wireless terminal 300 includes (or hides) a temporary unique code determined not to be duplicated for at least a predetermined period of time even if the unique code is not hidden, And a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information can be generated. As a result, the present invention is not limited thereto No.

If the UGID is generated through at least one of the UGID generation embodiments, the affiliate shop wireless terminal 300 can transmit the generated UGID to the operation server 200. [ The merchant wireless 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, and thus the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the merchant wireless terminal 300 that is provided at the merchant and transmits the designated sound wave signal, and receives the UGID transmitted through the merchant wireless terminal 300.

On the other hand, the operating server 200 receiving the transaction registration information can confirm that the merchant transmitting the transaction registration information is an affiliated member having the merchant wireless terminal 300 transmitting the sound wave signal. 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 advance in the operation server 200, so that the merchant that transmitted the transaction registration information It is possible to confirm whether the franchisee has an affiliate shop wireless terminal 300 that transmits the sound wave signal.

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 merchant wireless terminal 300 transmitting the sound wave signal. 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 the franchisee has an affiliate shop wireless terminal 300 that transmits the sound wave signal.

When the merchant registering the transaction registration information is identified as a merchant having the merchant wireless terminal 300 transmitting the sound wave signal, the operation server 200 transmits the transaction registration information (the transaction registration information) received from the merchant wireless terminal 300 Or at least a part of the transaction registration information including the amount of money information) and the UGID, and stores the management information 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.

The operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID.

According to the first authentication code embodiment of the present invention, the operation server 200 can generate a random value type disposable authentication code using a predetermined random number algorithm.

According to the second authentication code embodiment of the present invention, the operation server 200 transmits at least a part of information (for example, money amount information, commodity information, date information, and the like) included in the transaction registration information to a specified encoding algorithm Hash function or the like) to generate a one-time authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the third authentication code embodiment of the present invention, the operation server 200 can acquire at least a part of information (for example, some information of the affiliated shop-related information) exchanged / shared with the affiliate shop wireless terminal 300, (For example, OTP (One Time Password), etc.) by substituting a variable value (e.g., a time value, a random number value, etc.)

According to the fourth authentication code embodiment of the present invention, the operation server 200 substitutes at least a part of information included in the transaction registration information and a variable value dynamically determined into a specified coding algorithm, and corresponds to the transaction registration information It is possible to generate a one-time authentication code in the form of a transaction-related code associated with a specific transaction to be performed.

According to the fifth authentication code embodiment of the present invention, the operation server 200 may include at least some information previously exchanged / shared with the merchant wireless terminal 300, at least some information included in the transaction registration information, It is possible to substitute a dynamically determined variable value into a specified encoding algorithm to generate a disposable authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the sixth authentication code embodiment of the present invention, the operation server 200 may uniquely identify the UGID through the UGID in a form of at least partially combining at least two of the first to fifth authentication code embodiments It is possible to generate a disposable authentication code for authenticating the validity of the transaction registration information (or a specific transaction) to be identified. Meanwhile, the disposable authentication code of the present invention may be any value as long as it is a code value generated by disposing, and the above embodiment is a preferred embodiment for generating the authentication code. However, the authentication code of the present invention is not limited to the above embodiment .

If a disposable authentication code is dynamically generated through at least one of the first through sixth authentication code embodiments, the operation server 200 stores the generated disposable authentication code in a designated storage medium for a predetermined period of time Management. Preferably, the operation server 200 stores the created disposable authentication code in association with the transaction registration information (or at least some transaction registration information including the amount information) received from the affiliate shop wireless terminal 300 , And / or can associate and store the generated disposable authentication code and the UGID. According to the embodiment of the present invention, by storing the generated disposable authentication code in association with the transaction registration information and / or the UGID, the authentication code can identify the transaction registration information (or specific Transaction) in order to verify the validity of the transaction.

After storing the UGID, the transaction registration information, and the disposable authentication code in a designated storage medium, the operation server 200 transmits a result of linking the transaction registration information with the UGID and the disposable authentication code to the merchant wireless terminal 300 And provides the registration result information including the registration result information. Preferably, the registration result information may include a UGID and a disposable authentication code associated with the transaction registration information.

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200, and transmits the sound signal including the UGID and the disposable authentication code within the designated valid time can do. Preferably, the UGID, the valid time, and the validity time of the disposable authentication code may be synchronized.

When the registration result information including the UGID and the disposable authentication code is received from the operation server 200, the merchant wireless terminal 300 transmits the sound wave signal including the UGID and the disposable authentication code within the designated validity time can do.

The franchisee wireless terminal 300 is installed in a franchise shop and transmits the sound wave signal of a specified frequency band which is received and recognized by a user wireless terminal 400 in a short distance. Preferably, the UGID-encoded sound wave signal (or the sound wave signal including the sound wave pattern matched with the UGID) is transmitted in a short distance, and the sound wave signal including the UGID and the disposable authentication code is transmitted in a short distance have.

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

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

According to the method of the present invention, the affiliate shop wireless terminal 300 transmits an analogized sound wave signal of a designated frequency region (for example, an audible frequency region or an audible frequency region, etc.) 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 transmitting embodiment of the present invention, the merchant wireless terminal 300 is input through the sound wave input unit 310 provided in one or more designated user wireless terminals 400, Generates and transmits a sound wave signal obtained by encoding information designated according to a sound wave encoding rule that is digitized through a related component and read through a designated application installed in the wireless terminal and encoded in a sound wave signal so as to recognize information encoded in the sound wave signal Alternatively, the information designated to the specified sound wave signal can be encoded and transmitted. 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 transmitting embodiment of the present invention, the merchant wireless terminal 300 is input through the sound wave input unit 310 provided in one or more designated user wireless terminals 400, It is possible to transmit a sound wave signal including a sound wave pattern that can be read and encoded through a designated application installed in the wireless terminal after being digitized through the related configuration unit. For example, the merchant wireless terminal 300 can transmit 1 million distinct sound patterns, and the designated app of the user wireless terminal 400 can transmit 1 million of the sound waves transmitted from the affiliate shop wireless terminal 300 And a pattern structure in which one million of the sound wave patterns are matched with different one million code values or are interpreted as different bit combinations within a specified number of bits (for example, 32 bits) . 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 / .

According to the embodiment of the present invention, the affiliate shop wireless terminal 300 can transmit the sound wave signal obtained by encoding the UGID (or the sound wave signal including the sound wave pattern matched with the UGID) in a short distance. Or the merchant wireless terminal 300 may transmit the sound wave signal including the UGID and the disposable authentication code at a short distance. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which the merchant wireless terminal 300 transmits an acoustic wave signal including a UGID and a disposable authentication code, but the present invention is not limited thereto.

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliate shop wireless terminal 300 by a user, 400 executes an operation app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant wireless terminal 300, confirming the transaction amount using the recognized UGID, and performing the transaction procedure for the transaction amount .

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliate shop wireless terminal 300 by a user, 400 is installed with an operating app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant wireless terminal 300 and checks the transaction amount using the UGID recognized through the operating app 420 A payment app for performing the payment procedure of the transaction amount may be installed and executed.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or the designated application running) before sending the sound wave signal from the merchant wireless terminal 300 (Or activated) at the user wireless terminal 400 (according to the procedure). In this case, the operating app 420 is activated (or activated), and at the same time, the sound wave input unit 310 of the user wireless terminal 400 confirms whether or not the sound wave signal is activated so as to be able to input the specified sound wave signal, And if not activated, a series of procedures for activating the sound wave input unit 310 may be performed. When the sound wave input unit 310 of the user wireless terminal 400 is activated or activated, the operating app 420 of the user wireless terminal 400 receives the sound wave input unit 310 through the activated sound wave input unit 310, It is possible to wait for receiving the sound wave signal transmitted from the affiliate shop wireless terminal 300 and to read data obtained by digitizing the sound wave signal transmitted through the affiliate shop wireless terminal 300 and input through the sound wave input unit 310, The UGID included in the signal and the disposable authentication code can be recognized.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or the designated application running) before the sound wave signal is transmitted from the merchant wireless terminal 300 May be driven (or activated) by the user wireless terminal 400 and the operated (or activated) operating app 420 may guide the merchant wireless terminal 300 to determine whether to send or receive a sound signal The interface screen can be displayed. If it is determined by the user to send and receive a sound wave signal to and from the affiliate shop wireless terminal 300 based on the interface screen, the operating app 420 may transmit the sound wave signal to the affiliate shop 300 through the sound wave output unit 308 of the user wireless terminal 400. [ And transmits the request signal requesting the wireless terminal 300 to transmit the designated sound wave signal. The merchant wireless terminal 300 transmits the sound wave signal including the UGID and the disposable authentication code based on the request signal can do.

According to the embodiment of the present invention, the request signal may include an identifier for identifying the user wireless terminal 400 (or the operating app 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant wireless terminal 300 may transmit the sound wave signal including the UGID and the disposable authentication code and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the inputted sound wave signal and recognizes the identifier, so that the inputted sound wave signal is transmitted to the merchant wireless terminal 300) of the sound wave signal.

The operating app 420 that has transmitted the request signal to the merchant wireless terminal 300 receives the sound signal corresponding to the request signal from the merchant wireless terminal 300 and converts the input sound signal into digital data And recognize the UGID and the disposable authentication code included in the sound wave signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the sound wave signal designated by the affiliate shop wireless terminal 300, and according to a procedure designated by receiving the sound wave signal (Or activated). The operating app 420 activated (or activated) by receiving the sound wave signal can read the digitized data of the input sound wave signal and recognize the UGID and the disposable authentication code included in the sound wave signal.

According to the fourth operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to at least partially combine at least two embodiments of the first through third operating app operating embodiments And can recognize the UGID and the disposable authentication code included in the sound wave signal input through the sound wave input unit 310, so that the present invention is not limited thereto.

If the UGID and the disposable authentication code included in the sound wave signal input from the affiliate shop wireless terminal 300 are recognized through at least one of the first to fourth operational app operation embodiments, And transmits identification information including the recognized UGID and disposable authentication code to the operation server 200 via at least one communication network connected to the user wireless terminal 400. [

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

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 separately stores the merchant having the merchant's wireless terminal 300 that transmits the sound signal designated by the unique code You can verify that it is a unique identifying code.

According to an embodiment of the present invention, the operation server 200 may transmit the sound signal through the unique code read from the UGID to the unique ID of the storage medium storing the unique code of the merchant having the affiliate store wireless terminal 300 And transmits the designated sound wave signal by checking whether the unique code read out from the UGID is a unique code for separately identifying a franchisee who has the franchisee wireless terminal 300 that transmits the actually specified sound wave signal. It is possible to identify and authenticate any one of the affiliated stores having the terminal corresponding to the unique code read out from the UGID.

According to the embodiment of the present invention, the operation server 200 links and stores the unique code of the merchant having the merchant wireless terminal 300 that transmits the sound signal through the unique code read from the UGID, Which stores the UGID, identifies the merchant-related information corresponding to the unique code read out from the UGID, and transmits the designated sound wave signal. A franchisee can be identified and authenticated.

Meanwhile, when the merchant corresponding to the unique code read out from the UGID among the merchants having the? Wireless terminal that transmits the specified sound wave signal is identified and authenticated, the operation server 200 determines whether the merchant wireless And identifies any transaction registration information uniquely identified for a predetermined period of time from the transaction registration information registered from the terminal 300 through the UGID. According to the embodiment of the present invention, the transaction registration information registered from the merchant wireless terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time. However, It is preferable that the information is any one of transaction registration information, and the operation server 200 is unique among the transaction registration information registered from the affiliate shop wireless 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.

On the other hand, if transaction registration information uniquely identified for a predetermined time is confirmed through the UGID, the operation server 200 confirms a disposable authentication code stored in association with the UGID and / or stored in association with the transaction registration information, The validity of a specific transaction registration information (or a specific transaction) identified through the UGID can be authenticated by comparing and authenticating the authentication code included in the recognition information with the stored authentication code.

A transaction registration information which is uniquely identified for a predetermined period of time is confirmed through the UGID among one or more transaction registration information registered through an affiliate shop wireless terminal 300 operated by a merchant that is uniquely identified through the UGID, When the validity of the transaction registration information is authenticated, the operation server 200 confirms the amount information of the transaction registration information that has been confirmed, and calculates a transaction amount to be reverse-paid through the user wireless terminal 400 based on the amount information Check / calculate.

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

According to the second transaction amount embodiment of the present invention, the operation server 200 confirms discount information to be applied to the user wireless terminal 400 (or the operating app 420) that has transmitted the recognition information, (Or discount) the discount information to be applied to the user of the wireless terminal 400 (or the operating app 420), subtracts (or discounts) the amount corresponding to the discount information from the amount information of the confirmed transaction registration information, The amount 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) that has transmitted the recognition information makes a payment of a part of the amount information of the transaction registration information, The operation server 200 may operate in cooperation with the operating app 420 of the user wireless terminal 400 to transmit the transaction registration information to the user wireless terminal 400 The user of the terminal) confirms / calculates a certain amount of money to be paid, and confirms / determines the confirmed amount of money with the transaction amount.

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

When the transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated, the operation server 200 includes the confirmed / calculated transaction amount and generates at least one information included in the transaction registration information (For example, at least one of merchandise information, date information, merchant 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). The operating server 200 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. Meanwhile, if the transaction information has the same configuration information as the transaction registration information, the operation server 200 may not separately manage the UGID and the transaction information It is acceptable.

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

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

When it is determined by the user to process payment of transaction information, the operating app 420 of the user wireless terminal 400 transmits payment information for payment processing of the transaction amount through the designated payment interface on the basis of the payment processing decision (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, (For example, card information registered on the server side, account information, etc.) usable in the operating app 420 to process payment for the transaction amount.

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

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

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

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

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

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

According to an embodiment of the present invention, the payment means may include a real money payment means such as a credit card, a check card, a prepaid card, a cash card, a debit card, a money transfer, etc., Coins, and ideals, or an operator operating the operation server 200 or block chain-based cryptography issued by a financial institution operating the payment server 100), and the block An embodiment in which a chain-based encrypted money is used as a payment means is shown in FIG. 10 below.

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

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

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

FIG. 2 illustrates a functional configuration for implementing the operational server 200 shown in FIG. 1. Referring to FIG. 2 and FIG. 3, / RTI > and / or < / RTI > may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG. For convenience, FIG. 2 illustrates an embodiment of an operation server 200 having a configuration for reverse payment, and an embodiment using the encrypted money as a payment means will be described with reference to FIG. 10 below.

The operation server 200 according to an embodiment of the present invention can communicate with the affiliate shop wireless terminal 300 that transmits the specified sound wave signal in cooperation with the operating app 420 installed in the user wireless terminal 400, And can communicate with the payment server 100 on the payment system.

Referring to FIG. 2, the operation server 200 may include merchant registration information for a merchant having the merchant wireless terminal 300 that transmits a specified sound wave signal, merchant information provided to the merchant for payment, A unique code that uniquely identifies at least one franchise-related information among the terminal information provided in the terminal 300 and stores the franchise-related information and stores the franchisee wireless terminal 300 that transmits the sound wave signal, And an information storage unit 205 for storing the information in association with the related information.

The merchant terminal 300 (or a separate operating terminal or the like) having the merchant wireless terminal 300 that transmits the sound signal transmits merchant registration information to the merchant, merchant information provided to the merchant for payment, The information storage unit 205 receives information on at least one merchant from among the terminal information included in the merchant wireless terminal 300 and requests registration of the merchant related information from the merchant wireless terminal 300. The information storage unit 205 stores the merchant registration information, And terminal information, and stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant store.

When the affiliate shop wireless terminal 300 (or another operating terminal or the like) having the affiliate shop wireless terminal 300 that transmits the sound wave signal requests registration of a unique code that uniquely identifies the affiliated shop separately, the information store 205 identifies a unique code corresponding to at least one of the first through fourth inherent code embodiments of the present invention in accordance with at least one of the first through sixth inherent code identifying embodiments of the present invention , The identified unique code may be processed in association with the merchant-related information, and stored in the designated storage medium.

Referring to FIG. 2, the operation server 200 includes a transaction registration receiving unit 210 for receiving transaction registration information including amount information from a merchant wireless terminal 300 provided in an affiliate store and transmitting a specified sound wave signal, A UGID that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal from the merchant wireless terminal 300 and receives a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, An authentication code generation unit 220 for dynamically generating a disposable authentication code for authenticating validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, A transaction registration management unit 225 for storing the registration information, the UGID, and the disposable authentication code in association with each other, and the transaction registration information, the UGID, and the disposable authentication code to the merchant wireless terminal 300 And a registration result providing unit 230 for providing registered registration result information in association with each other.

When the merchant wireless terminal 300 that transmits the designated sound wave signal receives the amount information for the reverse payment or confirms it according to the designated procedure and constructs the transaction registration information including the amount information and transmits it to the operation server 200, The transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the affiliate payment 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 an embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code) included in the transaction registration information and a storage medium (For example, merchant-related information and / or unique code, etc.) registered in the transaction registration information and confirms whether the merchant that transmitted the transaction registration information is a merchant having the merchant wireless terminal 300 that transmits the sound wave signal have.

The merchant wireless terminal 300 that transmits the specified sound wave signal uniquely identifies the merchant having the merchant wireless terminal 300 that transmits the sound wave signal and uniquely identifies the specific transaction corresponding to the transaction registration information The UGID receiver 215 receives the UGID from the affiliate shop wireless terminal 300. The UGID receiver 215 receives the UGID from the affiliate shop wireless terminal 300,

The authentication code generation unit 220 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time period through the UGID. According to at least one of the first through sixth authentication code embodiments of the present invention, the authentication code generating unit 220 may generate transaction registration information (or a specific transaction ) Can be dynamically generated as a disposable authentication code.

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 and the disposable authentication code is dynamically generated through the authentication code generating unit 220, The registration management unit 225 receives the transaction registration information (or at least some transaction registration information including the amount information) received through the transaction registration receiving unit 210 and the UGID received through the UGID receiving unit 215 and the authentication The disposable authentication code generated through the code generation unit 220 is linked and stored in a designated storage medium and managed. Preferably, the UGID and the disposable authentication code include a valid time that is valid for a predetermined time, and the transaction registration management unit 225 maintains the UGID and the disposable authentication code during the valid period It is preferable to store and manage it on a designated storage medium.

The registration result providing unit 230 configures the registration result information including the UGID and the disposable authentication code associated with the transaction registration information, and transmits the registration result information to the affiliate store wireless terminal 300, which registered the transaction registration information and the UGID, And the affiliate shop wireless terminal 300 receives the registration result information. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The affiliated shop wireless terminal 300 that received the UGID and the disposable authentication code through the registration result information processes the sound wave signal including the UGID and the disposable authentication code within the designated valid time.

The sound wave signal transmitted through the merchant wireless terminal 300 is received by the user wireless terminal 400 through the at least one of the first to fourth operational application operation embodiments of the present invention, Lt; / RTI > Preferably, the sound wave signal transmitted through the merchant wireless terminal 300 may be received by one or more wireless terminals existing within a certain distance, The user wireless terminal 400 may read the input sound wave signal through the operating app 420 and recognize the UGID and the disposable authentication code included in the sound wave signal. Meanwhile, when the operating app 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the wireless terminal 300 to send the sound wave signal to the nearby merchant wireless terminal 300 And transmits the sound signal including the UGID and the disposable authentication code based on the request signal from the merchant wireless terminal 300, the operating app 420 of the user wireless terminal 400 The UGID and the disposable authentication code can be recognized by reading the sound wave signal input from the affiliate shop wireless terminal 300. [ Meanwhile, the merchant wireless terminal 300 may control the signal strength so that the sound wave signal can effectively reach a predetermined distance or less, and transmit the control signal to the user wireless terminal 400, which receives the sound wave signal, The operating app 420 of the user wireless terminal 400 can be driven (or activated) by receiving the sound wave signal to recognize the UGID and the disposable authentication code included in the sound wave signal.

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

Referring to FIG. 2, the operation server 200 receives from the designated operating application 420 of the user wireless terminal 400, which has received the sound wave transmitted from the affiliate shop wireless terminal 300 through the affiliate shop wireless terminal 300, A recognition information receiving unit 235 for receiving recognition information including a recognized UGID (or a sound wave pattern matched with UGID) by reading the sound wave signal; and a recognition unit 235 for reading the received UGID, An identification / authentication processing unit (240) for identifying and authenticating a merchant with a merchant wireless terminal (300) to which the merchant terminal (300) transmits merchandise; A transaction registration confirmation unit 245 for confirming any transaction registration information that is identified as the transaction registration information by the operation application 420 of the user wireless terminal 400, And a transaction information providing unit (250) for providing transaction information including a transaction amount corresponding to the information, wherein the transaction information providing unit (250) checks the settlement result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, And a settlement result processing unit 260 for processing the settlement result as a payment result of the information. When payment of the transaction amount is performed via the operation server 200, the operation application 420 of the user wireless terminal 400 is designated And a settlement procedure processor 255 for processing the settlement procedure of the transaction amount in cooperation with the settlement system.

When the operating app 420 of the user wireless terminal 400 reads the sound wave signal and constructs recognition information including the recognized UGID and the disposable authentication code, the recognition information receiving unit 235 transmits the recognition information including the UGID and the disposable authentication code, The UGID and the disposable authentication code are received from the operating app 420 of the server 400.

The identification / authentication processing unit 240 reads the UGID included in the recognition information and reads the unique code concealed in the UGID. Preferably, the identification / authentication processor 240 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code hidden 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 240 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 240 reads out the code system of the unique code read out from the UGID and transmits the sound wave signal having the unique code to the merchant's mobile terminal 300 Can be identified by a unique identification code.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, identifies a storage medium storing the unique code registered through the information storage unit 205, A unique code that uniquely identifies a merchant having a merchant wireless terminal (300) that inquires a unique code of the storage medium through a unique code read from the UGID and transmits a sound signal that is a unique code read from the UGID, To identify a franchisee corresponding to the unique code read out from the UGID among the franchisees having the? Point wireless terminal that transmits the specified sound wave signal and to transmit the sound wave signal designated to the identified franchisee It can be verified that the wireless terminal 300 is provided.

According to an embodiment of the present invention, the identification / authentication processing unit 240 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 A franchisee wireless terminal for identifying a franchisee corresponding to a unique code read out from the UGID among the franchisees having the franchise point wireless terminal and transmitting the sound wave signal assigned to the identified franchisee, 300 can be provided.

When the merchant corresponding to the UGID (or the merchant corresponding to the unique code read out from the UGID) among the merchants having the merchant wireless terminal 300 that transmits the specified sound signal is identified and authenticated, the transaction registration confirmation unit 245, Identifies any transaction registration information uniquely identified through the UGID among the transaction registration information registered through the merchant wireless terminal 300 of the identified and authenticated merchant.

According to the embodiment of the present invention, the transaction registration information registered from the merchant wireless terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time. However, It is preferable that the transaction registration information is any one of the transaction registration information, and the transaction registration confirmation unit 245 identifies the transaction registration information from the transaction registration information registered from the affiliate shop wireless terminal 300 operated by the identified and authenticated merchant for a predetermined time It is possible to confirm a transaction registration information which is uniquely identified.

If any transaction registration information uniquely identified for a predetermined period of time is identified through the UGID from among at least one transaction registration information registered through the affiliate dealer wireless terminal 300 operated by the merchant that is uniquely identified through the UGID, The authentication processing unit 240 identifies the disposable authentication code stored in association with the UGID and / or stored in association with the transaction registration information through the transaction registration management unit 225, and stores the authentication code included in the identification information and the stored By comparing and authenticating the authentication code, the validity of any one specific transaction registration information (or a specific transaction) identified through the UGID can be authenticated.

A transaction registration information which is uniquely identified for a predetermined period of time is confirmed through the UGID among one or more transaction registration information registered through an affiliate shop wireless terminal 300 operated by a merchant that is uniquely identified through the UGID, When the validity of the transaction registration information is authenticated, the transaction information providing unit 250 confirms the amount information of the transaction registration information that has been confirmed, and transmits the transaction registration information to the user wireless terminal 400, Check / calculate the amount. Preferably, the transaction information providing unit 250 can check / calculate a transaction amount to be reverse-paid through at least one embodiment among the first to fourth transaction amount embodiments of the present invention.

When the transaction amount to be reverse-paid is confirmed / calculated, the transaction information providing unit 250 may include at least one piece of information included in the transaction registration information (for example, (For example, at least one of information, date and time information, merchant registration information, merchant information, and terminal information) and / or information on merchant stores registered through the information storage unit 205 And at least one of the terminal information). The transaction information providing unit 250 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. Meanwhile, the transaction information providing unit 250 can store and manage the UGID and the transaction information for a predetermined period of time.

The operating application 420 of the user wireless terminal 400 receives the transaction information including the transaction amount, outputs the transaction information through the designated interface screen on the application screen, . Upon determining the payment transaction of the transaction information, the operational application 420 may provide a payment interface corresponding to at least one embodiment (or at least a partial combination of two or more embodiments) of the first through third payment procedure embodiments of the present invention (For example, a set of pieces of information necessary for settlement among the pieces of settlement information of the transaction information) for settlement of the transaction amount (however, when the transaction information is directly used as the settlement information, the transaction information displayed on the interface screen is used (Or at least a partial combination of two or more embodiments) of the first to the third settlement procedure embodiments of the present invention, and can perform the settlement procedure for the settlement of the transaction amount through the at least one embodiment And a payment server (100) of a specified billing system linked to the operating app (420) via a designated path, Payment may be approved.

Meanwhile, when a settlement procedure for processing settlement of the transaction amount is processed through a route via the operation server 200, the settlement procedure processing unit 255 transmits the operation application 420 of the user wireless terminal 400 Side settlement procedure performed through the settlement server 100 of the specified settlement system and the settlement procedure of the transaction amount may be performed in cooperation with the settlement server 200. The settlement result processing unit 260 may process The settlement processing unit 255 can confirm the settlement result information including the settlement result of the transaction amount in connection with the process of linking the settlement procedure.

Meanwhile, when the settlement process of the transaction amount is performed via the designated relay server, the settlement result processing unit 260 receives settlement of the transaction amount from at least one of the relay server, the payment server 100, And payment result information including the result can be provided. The payment transaction processing unit 260 may transmit the transaction amount of at least one of the payment server 100 and the operation app 420 to the payment server 100, The payment result information including the settlement result of the transaction amount can be provided from one. The settlement result processing unit 260 may provide the settlement result information to the designated merchant wireless terminal 300 and the merchant wireless terminal 300 may receive and output the settlement result information.

FIG. 3 is a diagram showing a functional configuration of a wireless terminal of an affiliate shop according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a configuration of a merchant wireless terminal 300 having a function configuration for transmitting a specified sound wave signal, which is provided at an affiliated shop, and it is understood by those skilled in the art that, Referring to and / or modified with respect to FIG. 3, various methods of performing the functions of the affiliated store wireless terminal 300 can be deduced. However, the present invention includes all the methods to be inferred, The technical features thereof are not limited only by the method of implementation. Preferably, the merchant wireless terminal 300 of FIG. 3 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

Referring to FIG. 3, the merchant wireless terminal 300 includes a control unit 302, a memory unit 318, a screen output unit 304, a user input unit 306, a sound output unit 308, and a sound input unit 310 A short range network communication unit 312, a wireless network communication unit 314, a USIM reader unit 316, and a USIM, and has a battery for power supply.

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

The memory unit 318 is a general term of a nonvolatile memory corresponding to a storage resource of the affiliate shop wireless terminal 300 and includes at least one program code executed through the control unit 302 and at least one And stores the data set. The memory unit 318 basically includes a system program code and a system data set corresponding to the operating system of the affiliate shop wireless terminal 300, a communication program code for processing wireless communication connection of the affiliate shop wireless terminal 300, And at least one application program code and application data set, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 318. [

The screen output unit 304 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 304. The screen output unit 304 is connected to the control unit 302, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen coupled to the screen output unit 304), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 302 or data necessary for the operation of the control unit 302. [

The sound wave output unit 308 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 308. The sound wave output unit 308 decodes data corresponding to a sound wave output among various calculation results of the control unit 302, Analog output is output through the output device.

The sound wave input unit 310 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 310. The sound wave input unit 310 digitizes and / or encodes the analog sound wave input through the sound wave input unit, .

The wireless network communication unit 314 and the short-range network communication unit 312 are collectively referred to as communication resources for connecting the affiliate shop wireless terminal 300 to a designated communication network. Preferably, the franchisee wireless terminal 300 may include a wireless network communication unit 314 as a basic communication resource, and may include one or more short-range network communication unit 312.

The wireless network communication unit 314 collectively refers to a communication resource for connecting the affiliate shop wireless terminal 300 to a wireless communication network via a base station. The wireless communication unit 314 includes an antenna, an RF module, a baseband module, And a signal processing module. The controller 302 is connected to the controller 302 and transmits the operation result corresponding to the wireless communication among the various operation results of the controller 302 through the wireless communication network or transmits the data through the wireless communication network And transmits it to the control unit 302, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 314 can connect the merchant wireless terminal 300 to a call network including a call channel and a data channel via the exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 314 is a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 314 may further include a portable internet communication structure 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 314. [ That is, the wireless network communication unit 314 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 312 connects the communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium, and collectively refers to communication resources for connecting the affiliate shop wireless terminal 300 to the communication network Preferably, the merchant wireless terminal 300 can be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 312 may be integrated with or separated from the wireless network communication unit 314. According to the present invention, the short-range network communication unit 312 connects the affiliate shop wireless terminal 300 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 316 is configured to exchange at least one data set with a universal subscriber identity module that is mounted or detached from the affiliate shop wireless terminal 300 based on the ISO / IEC 7816 standard As a generic term, 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 provided with an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 316, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the affiliate shop wireless terminal 300, connected to the input / output interface, for storing the data set, To the input / output interface.

According to the method of the present invention, the merchant wireless terminal 300 may include a merchant payment unit 315 corresponding to an application for processing a specified payment (for example, forward payment), whereby the present invention is not limited No.

The control unit 302 of the user wireless terminal 400 receives the merchant application 320 for the reverse payment of the present invention from a designated application providing server (e.g., Apple's App Store, etc.) through a data network accessible via the communication resource ) Can be downloaded and installed.

The merchant wireless terminal 300 installs and executes the downloaded merchant application 320 for reverse payment according to the present invention. The merchant application 320 may be realized in the form of a separate application installed in the affiliate shop wireless terminal 300 or may be implemented in an interlocking app form operating in conjunction with the affiliate shop payment unit 315, And the application corresponding to the merchant application 315. The present invention is not limited by the manner in which the merchant application 320 is implemented.

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 registers at least one merchant-related information in the designated operating server 200, or transmits the information of the merchant wireless terminal 300 And an information registration unit 325 for registering a unique code that uniquely identifies the franchisee.

The information registering unit 325 registers the merchant registration information for the merchant having the merchant wireless terminal 300 that transmits the specified sound wave signal, the merchant information provided to the merchant store for payment, Related information related to at least one out of the terminal information, and transmits the input / verified merchant-related information to the designated operating server 200, thereby requesting the operating server 200 to register the merchant-related information , The operating server 200 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 franchisee wireless terminal 300 that transmits the sound wave signal to the designated operation server 200. In this case, (200) confirms a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention according to at least one embodiment of the first to sixth inherent code checking embodiments of the present invention , And the identified unique code may be processed in association with the merchant-related information and stored in a designated storage medium.

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 inputs / verifies amount information for reverse payment and transmits transaction registration information including the amount information to the designated operation server 200 A transaction registration unit 330 for registering and transmitting the transaction information, and a merchant point having the merchant point wireless terminal 300 that transmits the sound signal, and identifies a unique transaction corresponding to the transaction registration information as a UGID A UGID registration unit 340 for transmitting and registering the generated UGID to the designated operation server 200 and a UGID registration unit 340 for registering transaction registration information uniquely identified for a predetermined period of time And a registration result information receiving unit (345) for receiving registration result information including the generated one-time authentication code for authenticating the validity of the UGID There can be further included. For the sake of convenience, the registration result information will be described with particular emphasis on an embodiment including both the UGID and the disposable authentication code.

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 generator 335 may generate at least one of the UGID generation embodiments of the present invention 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 According to an embodiment of the present invention, a merchant having the merchant wireless terminal 300 that transmits the sound wave signal is uniquely identified separately and a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information is generated. 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 335 identifies a unique code that uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal, 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. The UGID generator 335 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 335 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the sound wave signal for at least a predetermined time using the temporary unique code And a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information can be generated. As a result, the present invention is not limited thereto No.

When the UGID is generated through the UGID generator 335, the UGID register 340 transmits the generated UGID to the designated operation server 200 and requests registration. In order to authenticate the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, the operation server 200 may transmit the UGID to at least one of the first to sixth authentication code embodiments To generate the disposable authentication code dynamically. The operation server 200 may associate the transaction registration information with the UGID and the disposable authentication code and provide the registration result information including the UGID and the disposable authentication code to the affiliate shop wireless terminal 300, The registration result receiving unit 345 receives the registration result information including the UGID and the disposable authentication code from the operation server 200. [

Referring to FIG. 3, the merchant application 320 of the merchant wireless terminal 300 includes an information configuration unit 350 that configures transmission information of a designated structure to be transmitted through a specified sound wave signal, And a signal transmission processing unit (355) for processing the sound wave signal encoded by the transmission information coding unit to transmit the sound wave signal, which is encoded through the signal processing unit (308), to the sound wave signal including the sound wave pattern matched with the transmission information, And a result processing unit 360 for receiving and outputting the payment result information processed in the reverse direction through the user wireless terminal 400 receiving or recognizing the signal.

The information constructing unit 350 constructs transmission information including the UGID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ Meanwhile, when the disposable authentication code is received through the registration result information, the information configuring unit 350 includes the UGID and the disposable authentication code in a designated information structure readable by the operating app 420 of the user wireless terminal 400 Can be configured. Hereinafter, the feature of the present invention will be described focusing on the UGID and the disposable authentication code included in the transmission information.

When the transmission information including the UGID and the disposable authentication code is configured through the information configuration unit 350, the signal transmission processing unit 355 transmits the transmission information through the sound wave output unit 308 to a designated frequency band (Or a sound wave signal including a sound wave pattern matched with the transmission information) is sent out at a designated signal intensity (for example, a signal strength that can be received through a wireless terminal within a specified distance), and the sound wave output (308) transmits the sound wave signal of the designated frequency band including the transmission information provided by the signal transmission processing unit (355) through the predetermined sound wave output unit at a specified signal intensity.

According to an embodiment of the present invention, the operating app 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave input unit 310 may transmit the request signal And supplies the digitalized data to the controller 302. The controller 302 controls the UGID and the disposable authentication code to be checked according to the request signal and / By controlling to configure the transmission information including the UGID and the disposable authentication code through the signal transmission processing unit 355 and to transmit the sound wave signal including the transmission information through the signal transmission processing unit 355, And the sound wave signal corresponding to the signal can be transmitted, so that the present invention is not limited thereto.

When the user wireless terminal 400 receiving or recognizing the sound wave signal recognizes the UGID included in the sound wave signal and confirms the transaction amount identified through the UGID and performs settlement processing through the designated payment system, 360 may receive and output payment result information including the payment result processed through the payment system with the user wireless terminal 400 via the operation server 200. [

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

4 illustrates the functional configuration of the operating application 420 installed in the user wireless terminal 400 and the configuration of the wireless terminal. If the user has a general knowledge in the technical field of the present invention, Referring to and / or modifying FIG. 4, various implementations of the functionality of the user wireless terminal 400 may be inferred, but the present invention includes all of the above- The technical features thereof are not limited only by the method of implementation. Preferably, the wireless terminal 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 user 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 controller 402 is a generic term for controlling the operation of the user wireless terminal 400. The controller 402 includes at least one processor and an execution memory, Bus (BUS). According to the present invention, the control unit 402 loads at least one program code provided in the user wireless terminal 400 through the processor and loads the program code into the execution memory, and outputs the result through at least one And controls the operation of the user wireless terminal (400). Hereinafter, the functional configuration of the operating app 420 implemented in the form of program code will be described in the control unit 402 for convenience.

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the user wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one And stores the data set. The memory unit 418 basically includes a system program code and a system data set corresponding to the operating system of the user wireless terminal 400, a communication program code for processing a wireless communication connection of the user wireless terminal 400, And at least one application program code and application data set, 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 affiliate shop wireless terminal 300 is also input through the sound wave input unit 410, digitized and transmitted to the controller 402, and is read and used through a designated application .

The wireless network communication unit 414 and the local area network communication unit 412 are collectively referred to as communication resources for connecting the user wireless terminal 400 to a designated communication network. The user 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 collectively refers to communication resources for connecting the user wireless terminal 400 to a wireless communication network via a base station. The wireless communication unit 414 includes an antenna, an RF module, a baseband module, And a signal processing module. The control unit 402 is connected to the control unit 402 and transmits operation results corresponding to wireless communication among the various operation results of the control unit 402 through a wireless communication network or transmits data through a wireless communication network And transmits it 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 user wireless terminal 400 to a call network including a call channel and a data channel via an exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

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

The short-range network communication unit 412 connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium, and collectively refers to a generic term of communication resources for connecting the user wireless terminal 400 to a communication network The user 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 user wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 includes a universal subscriber identity module (Universal Subscriber Identity Module) that is mounted or detached from the user wireless terminal 400 based on the ISO / IEC 7816 standard and a configuration for exchanging at least one data set As a generic term, 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) a program code for the IC chip in accordance with at least one command transmitted from the user wireless terminal 400, connected to the input / output interface, for storing the data set, To the input / output interface.

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

4, the operating app 420 of the user wireless terminal 400 includes a signal checking unit 425 for checking the sound wave signal input from the merchant wireless terminal 300 through the sound wave input unit 410, A signal recognition unit 430 for recognizing the UGID and the disposable authentication code included in the sound wave signal input from the affiliate shop wireless terminal 300, and a UGID (or a sound wave pattern matching the UGID) recognized through the sound wave signal And transmits the sound wave signal to the franchise point visited by the user by reading the UGID from the operation server 200. The franchise point mobile terminal (300), and when a transaction registration information uniquely identified through the UGID among the transaction registration information registered through the identification and authenticated merchant wireless terminal (300) is identified, A transaction information receiving unit 440 for receiving transaction information including a transaction amount corresponding to the amount information of the transaction registration information from the server 200, a settlement processing unit 440 for processing settlement of the transaction amount using the designated user settlement means, And a settlement processing unit 445 for processing the settlement processing to be performed.

The signal verifying unit 425 receives at least one of the first to fourth operating app operation embodiments of the present invention to receive the sound wave signal transmitted from the affiliate shop wireless terminal 300 through the sound wave input unit 410 . If the sound wave signal transmitted from the affiliate shop wireless terminal 300 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, Recognizes embedded UGID and disposable authentication code.

When the UGID and the disposable authentication code included in the sound wave signal are recognized through the signal recognition unit 430, the recognition information transmission unit 435 transmits the recognition information including the UGID recognized through the sound wave signal and the disposable authentication code And transmits the configured identification information to the specified operation server 200 via the communication network connected through the communication unit of the short distance network communication unit 412 and the wireless network communication unit 414.

The operation server 200 receives the identification information including the UGID and the disposable authentication code from the operating application 420 of the user wireless terminal 400, reads the UGID included in the identification information, And can identify and authenticate any one of the affiliated stores corresponding to the read unique code among the affiliated stores including the affiliated store wireless terminal 300 that transmits the specified unique code and transmits the specified acoustic signal.

When the franchise corresponding to the read unique code is identified and authenticated, the operation server 200 determines whether the unique identification code corresponding to the read unique code is registered in the transaction registration information registered from the affiliate shop wireless terminal 300 operated by the identified authorized merchant through the UGID And a transaction registration information that is identified as the transaction registration information. The operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID. The operation server 200 includes the transaction amount determined / calculated based on the amount information of the transaction registration information through the first through fourth transaction amount embodiments of the present invention and includes the transaction registration information And / or configures transaction information further including merchant-related information registered in the operation server 200, and transmits the transaction information to the operating app 420 of the user wireless terminal 400 . The transaction information receiving unit 440 receives the transaction information including the transaction amount corresponding to the amount information of the transaction registration information from the operation server 200 and outputs the transaction information through the designated interface screen on the application screen .

The settlement processing unit 445 confirms that the settlement of the transaction information including the transaction amount is determined through the interface screen. If it is determined to process the settlement of the transaction information, the settlement processing unit 445 performs settlement of the transaction amount (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, The settlement server 100 can process payment for the transaction amount through the user settlement means available in the operating app 420. [

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

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

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

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

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

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

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

More specifically, FIG. 5 illustrates an embodiment of an information registration process for reverse payment using the merchant wireless terminal 300 that transmits a specified sound wave signal. It is possible to refer to and / or modify the FIG. 5 to various embodiments of the information registration process (for example, omitting some steps or changing the order). However, All the methods of implementation are included, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, a merchant wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliated store stores merchant registration information for the merchant, (500) the at least one merchant-related information among the merchant information, the merchant information, and the terminal information provided at the merchant wireless terminal 300, and the operating server 200 transmits the merchant-related information from the merchant wireless terminal 300 And can register and store 505 a designated storage medium. 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 franchisee wireless terminal 300 that transmits the sound wave signal requests registration of a unique code that uniquely identifies a franchisee having the franchisee wireless terminal 300 that transmits the sound wave signal to the designated operation server 200 (510 ), The operation server 200 corresponds to at least one embodiment of the first to fourth inherent code embodiments of the present invention in accordance with at least one embodiment of the first to sixth inherent code checking embodiments of the present invention (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).

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

In more detail, FIG. 6 shows a case where the merchant wireless terminal 300 that transmits a designated sound signal requests transaction registration information including amount information for reverse payment to the operation server 200, When the UGID generated by hiding a designated unique code is requested to be registered in the operation server 200, the operation server 200 registers the transaction registration information and the UGID in association with each other and transmits the UGID from the affiliate shop wireless terminal 300 It is understood that those skilled in the art will be able to refer to and / or modify the FIGURE 6 to determine whether the transaction registration or the reverse UGID It will be appreciated that various implementations of the propagation process (e.g., omitting some of the steps or changing the order) may be inferred, The present invention is not limited to the technical features of the present invention.

Referring to FIG. 6, an affiliate shop wireless terminal 300 having a function of transmitting a sound wave signal provided at an affiliate store receives money amount information for reverse payment using a specified sound wave signal or confirms the money amount information according to a designated procedure (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 and stores transaction registration information including the money amount information from the merchant wireless terminal 300 (610). Meanwhile, the franchisee wireless terminal 300 checks the unique code that uniquely identifies the franchisee that has the franchisee wireless terminal 300 and registers the transaction registration information (615). On the other hand, in the case of an embodiment in which an exclusive code is not assigned to a merchant having the merchant wireless terminal 300 that transmits the sound signal, the merchant wireless terminal 300 can generate a UGID through the embodiment of FIG. have.

If the unique code that identifies the merchant that has the merchant wireless terminal 300 and registers the transaction registration information is identified, the merchant wireless terminal 300 reads only the identified unique code through the specified specific device / server (Step 620). The UGID uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal while hiding it, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information. Preferably, the merchant wireless terminal 300 uniquely identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal through at least one embodiment of the UGID generation embodiment of the present invention, A UGID may be generated that uniquely identifies the particular transaction corresponding to the registration information (620).

If the UGID is generated, the merchant wireless terminal 300 requests the operation server 200 to register the UGID (625), and the operation server 200 receives the UGID from the merchant wireless terminal 300 (630).

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (635). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (635).

If the UGID and the disposable authentication code are generated, the operation server 200 stores the transaction registration information, the UGID, and the disposable authentication code in a designated storage medium (640) Registration result information including the UGID and the disposable authentication code is transmitted (645).

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 (650), checks the UGID and the disposable authentication code to be transmitted through the specified sound wave signal ( The UGID and the disposable authentication code are configured in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400), and at the same time, The sound wave signal including the transmission information is transmitted through the sound wave signal (665), and the sound wave signal transmitted from the affiliate shop wireless terminal (300) is received by the user wireless terminal (400) in the vicinity.

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, FIG. 7 shows a case where the merchant wireless terminal 300 that transmits a designated sound signal requests transaction registration information including amount information for reverse payment to the operation server 200, When the created UGID is registered in the operation server 200, the operation server 200 registers the transaction registration information and the UGID in association with each other, and then transmits the UGID to the transaction terminal 200 in the reverse direction It is to be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention by referring to and / (E. G., An implementation where some steps have been omitted or reordered), the present invention encompasses all such enumerated methods of implementation Becomes luer, it is not limited that the technical features of only the exemplary method shown in the figure 7.

Referring to FIG. 7, a merchant wireless terminal 300 having a function of transmitting a specified sound wave signal provided at an affiliate store receives money amount information for reverse payment using a specified sound wave signal or confirms the money amount information according to a designated procedure (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 and stores transaction registration information including the money amount information from the merchant wireless terminal 300 (710). Meanwhile, the merchant wireless terminal 300 uniquely identifies the merchant that has the merchant wireless terminal 300 and registers the transaction registration information, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information (715). Preferably, the merchant wireless terminal 300 separately identifies a merchant having the merchant wireless terminal 300 that transmits the sound wave signal by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time At the same time, a UGID can be generated that uniquely identifies the specific transaction corresponding to the transaction registration information (715).

If the UGID is generated, the merchant wireless terminal 300 requests the operation server 200 to register the UGID 720, and the operation server 200 receives the UGID from the merchant wireless terminal 300 (725).

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of the transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (730). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (730).

If the UGID and the disposable authentication code are generated, the operation server 200 associates the transaction registration information with the UGID and the disposable authentication code and stores the UGID and the disposable authentication code in a designated storage medium (735) Registration result information including the UGID and the disposable authentication code is transmitted (740).

The merchant wireless terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 (745), checks the UGID and the disposable authentication code to be transmitted through the designated sound wave signal ( 750) and constructs (755) transmission information including the UGID and the disposable authentication code in a designated structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) (760) the sound wave signal including the transmission information through the sound wave signal, and the sound wave signal transmitted from the affiliate shop wireless terminal (300) is received by the near user wireless terminal (400).

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 is a flowchart illustrating a process of receiving and reading out an acoustic wave signal transmitted from the affiliate shop wireless terminal 300 through the process of FIG. 6 or FIG. 7 in the operating app 420 of the user wireless terminal 400 and transmitting the UGID and the disposable authentication code And transmits identification information including the UGID and the disposable authentication code to the designated operation server 200. The operation server 200 identifies the merchant having the merchant wireless terminal 300 through the UGID, And confirms any transaction registration information uniquely identified through the UGID among the transaction registration information registered at the identified and authenticated merchant and then transmits the transaction registration information to the operation app 420 of the user wireless terminal 400 And providing transaction information including the amount of transaction verified / calculated based on the information. The present invention is not limited to the above embodiments, It is possible to refer to various methods (for example, omitting some steps or changing the order) of the sound wave signal recognition or transaction information providing process by referencing and / or modifying FIG. 8, The present invention is not limited to the above-described embodiments, but may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

Referring to FIG. 8, when transmitting the sound wave signal including the UGID and the disposable authentication code from the merchant wireless terminal 300 through the process shown in FIG. 6 or FIG. 7, The controller 420 checks whether a specified sound wave signal transmitted through the affiliate shop wireless terminal 300 is input through the sound wave input unit 310 of the user wireless terminal 400 in operation 800. If it is confirmed that the designated sound wave signal transmitted through the merchant wireless terminal 300 is input, the operating app 420 of the user wireless terminal 400 reads the inputted sound wave signal and recognizes the UGID and the disposable authentication code (805). Preferably, the operating app 420 of the user wireless terminal 400 receives the sound waves transmitted through the merchant wireless terminal 300 through at least one of the first through fourth operational app operation embodiments of the present invention Signal to read the UGID and the disposable authentication code.

If the UGID and the disposable authentication code are recognized through the sound wave signal input from the merchant wireless terminal 300, the operating app 420 of the user wireless terminal 400 transmits the recognition information including the UGID and the disposable authentication code And transmits recognition information including the UGID and the disposable authentication code to the operation server 200 (810).

The operation server 200 receives (815) recognition information including the UGID and the disposable authentication code, and reads the UGID of the recognition information (e.g., decodes it through a decoding rule corresponding to the encoding rule in which the UGID is generated) (820), and the user wireless terminal 400 (or the operating app 420) uses the registered information and the read unique code after reading the unique code concealed in the UGID 820, A franchisee that has visited the franchisee, that is, the franchisee having the franchisee wireless terminal 300 that transmits the sound wave signal (step 825). If the temporary unique code is included in the UGID, the temporary unique code read out through the temporary unique code included in (or hidden from) the UGID associated with the transaction registration information registered from each merchant and transmits the sound wave signal The franchisee having the franchisee wireless terminal 300 can be authenticated and authenticated, and thus the present invention is not limited thereto.

Meanwhile, if the merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID included in the identification information is not unique identification authenticated, the operation server 200 transmits the operating app of the user wireless terminal 400 The operation application 420 of the user wireless terminal 400 receives and outputs the identification / authentication error for the UGID included in the identification information in step 420 ).

Meanwhile, when the merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID of the identification information is authenticated and authenticated, the operation server 200 determines whether the merchant is uniquely identified through the UGID The registration information is confirmed (840). If the transaction registration information identified through the UGID is not confirmed, the operation server 200 provides an identification / authentication error for the transaction registration information to the operational application 420 of the user wireless terminal 400 830). The operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

Meanwhile, when the transaction registration information identified through the UGID is confirmed, the operation server 200 checks the disposable authentication code associated with the transaction registration information and compares the disposable authentication code of the identification information with the disposable authentication code Authenticating the validity of the disposable authentication code (845) and authenticating the validity of the transaction registration information through the disposable authentication code. If the validity of the disposable authentication code is not authenticated, the operation server 200 provides an authentication error of the disposable authentication code to the operational application 420 of the user wireless terminal 400 (830) The operating app 420 of the terminal 400 receives and outputs the authentication error (835).

Meanwhile, when a merchant having the merchant wireless terminal 300 that transmits the sound wave signal through the UGID of the identification information is uniquely identified and authenticated, a transaction registration information is identified, and the transaction registration When the validity of the information is authenticated, the operation server 200 confirms / calculates the transaction amount corresponding to the amount information of the identified / authenticated transaction registration information (850) 420), and the operational application 420 of the user wireless terminal 400 receives and outputs the transaction information including the transaction amount (step 855) 860).

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

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

Referring to FIG. 9, the operational application 420 of the user wireless terminal 400 receiving the transaction information through the process of FIG. 8 checks 900 whether or not the transaction processing of the transaction information is determined. If the settlement processing of the transaction information is determined, the operating app 420 outputs settlement information for settlement processing of the transaction amount included in the transaction information through the designated settlement interface (905) (907), and confirms whether payment processing using the encrypted currency is requested (907). If the settlement-based settlement is requested for the settlement information, the user's wireless terminal 400 may request a settlement-based settlement to the operation server 200 and / or the settlement server 100, An example will be described with reference to Figs. 10 to 16 below.

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

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

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

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

According to the embodiment of the present invention, when the user wireless terminal 400 requests the payment using the block-chain-based cipher system, the procedure for processing the payment using the block-chain-based cipher system as the payment means is performed by the operation server 200 And can be implemented through the payment server 100. For the sake of convenience, FIG. 10 mainly shows an embodiment in which a settlement is processed by using the block-chain-based cryptography as a payment means in the operation server 200 However, the present invention is not limited thereto. The present invention is not limited to this, and the present invention can be applied to a payment server 100 and / or a payment server 100 It is clear that the configuration is possible.

Referring to FIG. 10, the operation server 200 (or the payment server 100) includes N block-chain networks 1000 implementing N (N? 1) A cryptographic block storage unit 1010 for storing a cryptographic block including chained blocks generated or agreed upon according to a block chain algorithm implemented in the cryptographic module and storing the cryptographic blocks in a designated block storage area; And a cryptographic block updating unit 1015 for performing a process of confirming a new block to be newly generated or agreed upon in accordance with the block chain algorithm implemented on the cryptographic block, and chaining and updating the cryptographic block stored in the designated block storage area.

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than a server-centric scheme, a block-chain network 1000 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, a server, or the like corresponding to a peer participating in the block-chain network 1000 as a 'node device 1005'.

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

According to an embodiment of the present invention, a node device 1005 on a block-chained network 1000 is connected to a cipher network 1000, which is generated on a block-chain network 1000 designated on the basis of a block- A function of collecting cryptographic transaction details broadcasted in the designated block chain network 1000, a function of forming blocks by blocking the collected specified number of cryptographic transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake), CBB (Consensus-By-Bet), etc.) to generate a new block, a function of requesting the other node device 1005 to settle the newly generated block A function of verifying the block chain validity of the block requested to be concluded on the basis of the block chain verification value included in the block requested to be concluded from the node device 1005, A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 1000 is installed and all the node devices 1005 operating on the specific block chain network 1000 execute the same block It is preferable that the same version of the block chain program to which the chain algorithm is applied is executed.

According to the present invention, the operating server 200 (or the payment server 100) can use N (N > = 1) cipher systems implemented on a block chain basis as payment means. The components of the illustrated operational server 200 (or billing server 100) are connected to a node device 1005 (e.g., a designated block-chained network 1000) on a designated block-chained network 1000 implementing the specified block- (E.g., a block device implemented with a block-chain algorithm implemented in a block-chain algorithm) and / or a virtual node capable of participating in the designated block-chain network 1000 A virtual node that is implemented through the same program as the block chain program to which the chain algorithm is applied) and / or is implemented on the designated block- It can work with real-time node apparatus 1005. In the present invention, N pieces of cipher money include not only embodiments using a plurality of cipher keys, but also embodiments using any one particular number of cipher keys. However, even if the N ciphers are represented (or described) in the detailed description or the claims of the present invention for the sake of convenience in the following description, it is only for the sake of convenience of explanation. In the present invention, N ciphers Embodiments (or ranges of rights), as well as embodiments (or scope of rights) using a single cryptographic currency.

According to the first cipher embodiment of the present invention, the N ciphered currencies are associated with the operating server 200 (or the payment server 100) or the operating server 200 (or the payment server 100) The node device 1005 may include a cryptogram that is generated by participating in a consensus-requestable active node according to a block chain algorithm implemented on the designated block-chain network 1000. Herein, the active node is an actual node device 1005 implemented on a designated block-chained network 1000, or a node operating in an equivalent manner, preferably a block-chain algorithm implemented on a designated block- A function of storing a cryptographic currency block generated on the block chain network 1000 designated by the designated block chain network 1000 in a designated storage area and a function of collecting a cryptographic transaction history broadcasted to the designated block chain network 1000, A function of constructing a block by blocking the transaction history of the encrypted money, a function of generating at least one hash value for chaining the configured block, and a function of generating a valid block chain verification value for chaining and integrity verification of the composed block A function of generating a new block by applying the new block to another node device 1005, And verifying the block-chain validity of the sum requested block based on the block-chain verification value included in the block requested to be summed from the other node device 1005; And perform functions defined in the block chain algorithm implemented on the block-chain network 1000 among the functions of chaining and linking.

According to a second cryptographic embodiment of the present invention, the N ciphered currencies are associated with the operating server 200 (or the payment server 100) or with the operating server 200 (or the payment server 100) The node device 1005 may include a cryptogram that is generated or agreed through a block chain algorithm implemented on the designated block-chain network 1000 and is included in a passive node capable of real-time confirmation of the cached block. Here, the passive node is a node that is created or agreed upon in a block-chain network 1000 in cooperation with an actual node device 1005 implemented on a designated block-chained network 1000 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a block-chain network (1000) based on a block-chain algorithm implemented on a block-chain network (1000) A function of verifying the validity of the block chain of the requested block based on the block chain verification value included in the block requested to be concluded from the encrypted password block 1005 and the function of chaining the verified block to the pre- One function can be performed.

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

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

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

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

According to the fourth self block chain network 1000 of the present invention, the own block chain network 1000 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the self-block-chain network 1000 may operate in the form of a virtual private block-chain network 1000.

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

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

According to the seventh self-block-chain network 1000 of the present invention, the own block-chain network 1000 implemented by the operator includes a designated number of node devices 1005 distributed and constructed by the operator, And a virtual node that is implemented in software through one or more servers that are operated by the node device 1005. The node device 1005 can allow participation of an external node device 1005 in addition to the virtual node and the designated number of node devices 1005, The self-block-chain network 1000 may be operated in the form of a hybrid block-chain network 1000 in which a specified number of node devices 1005 operated by an operator, virtual nodes and external node devices 1005 participate.

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

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

On the other hand, the node devices 1005 provided in the N block-chain networks 1000 perform a procedure of creating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chained network 1000, The money block updating unit 1015 checks a new block newly created or agreed on the N block-chain networks 1000 according to the block-chain algorithm implemented on the N block-chain networks 1000, And performs a procedure of chaining and updating the identified new block in each of the encrypted money blocks stored in the area.

According to the embodiment of the present invention, the encrypted currency block update unit 1015 updates the encrypted currency block stored in the designated block storage area every time (or at specified intervals) a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Or validity of each block included in the cryptographic block) stored in the block storage area through an operation of verifying the validity of the hash values included in each block through the block chain verification value Procedure can be performed. In this case, the encrypted currency block updating unit 1015 updates the validated cryptographic currency block (or the validated block including the verified blocks) when the validity of the cryptographic currency block (or the validity of each block included in the cryptographic currency block) A new block can be chained and updated in the encrypted money block.

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

Referring to FIG. 10, the operation server 200 (or the payment server 100) receives user information about the user through the user wireless terminal 400 and receives an n-th cipher The user side password money account information identifying the user password money account established to identify the cryptographic unit held by the user on the chain network 1000 and the user side cryptographic account information identifying the user's cryptographic account based on the block chain algorithm implemented on the nth block- A cryptographic information registration unit 1020 for performing a procedure for registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for cryptographic currency transaction using the cryptographic account unit held in the user's cryptographic currency account, , The user side password money account information and the user side password money transaction authentication information are linked with the user information and stored in the designated management DB (I > = 2) included in the latest updated n-th cipher block in the designated block storage area, and the cipher information managing unit 1025 for managing the own-side cipher currency transaction, The cryptographic transaction details contained in the blocks can be read to calculate the cryptographic unit held in the user's cryptographic account of the n-th cryptographic unit and stored in the management DB in association with the user's cryptographic unit account information. On the other hand, the cryptographic information management unit 1025 may be operable to chime the i blocks included in the nth encrypted currency block during the process of reading the encrypted currency transaction details included in the i blocks included in the nth encrypted currency block A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each block.

When the user wireless terminal 400 intends to make a payment through the n-th (1? N? N) cipher, the user wireless terminal 400 registers user information about the user, the user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the n block-chain network 1000 and the block-chain algorithm implemented on the nth block- (For example, a password, an authentication code, a registration code, a certificate information, a certificate password, etc.) set for a password currency transaction using a password currency account unit held in the user password money account The encrypted money information registering unit 1020 registers the user's password money registration information including the user's password, The user's password information to identify the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1000 implementing the n-th cryptographic currency, And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user's cryptographic account according to the block chain algorithm implemented on the nth block- Side encrypted money account information and the user's cryptographic currency transaction authentication information in association with the user information and stores the cryptographic information in the designated management DB , The user side password money account information and the user side password money transaction authentication information, It can manage to make the deal happen cryptocurrency for monetary payment. That is, the owner of the cryptographic currency account can not be identified by the cryptographic information manager 1025 through the user's cryptographic account information on the n-th block-chain network 1000, By storing information and user information in association with each other, the owner of the cryptographic account corresponding to the user-side encrypted money account information can identify and manage the user corresponding to the user information.

On the other hand, when the user-side encrypted money registration information is registered, the encrypted money information managing unit 1025 reads i (n) included in the latest updated nth password block in the block storage area based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i > The encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 1005 on the block chain network 1000, The user can calculate the cipher unit held in the user's cipher account. In this case, the cryptographic information management unit 1025 can store the cryptographic unit information held in the user's cryptographic account in the management DB in association with the user's cryptographic account information.

According to the embodiment of the present invention, the cryptographic information management unit 1025 stores the i (i, 2) blocks included in the latest updated n-th cipher block in the designated periodic (or repeatedly) designated block storage area (E. G., Identify the password currency transaction details that include or include the user side cryptographic account information in the withdrawing account) and / or validate the valid cryptographic transaction history on the n block chain network 1000 (I > = 2) blocks included in the latest updated n-th cipher block are read through the node device 1005 and stored in the user's cipher account of the n-th cipher currency (Or repeats) the process of calculating the encrypted currency unit and storing the calculated encrypted currency unit information in the management DB.

According to an embodiment of the present invention, the cryptographic information managing unit 1025 reads the i blocks included in the n-th cipher block to calculate the cipher unit held in the user's cipher account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value contained in each block is valid and / And the validity of the hash values included in each block is verified through the block chain verification value included in the block cipher information management unit 1025. In this case, when the validity of the hash values included in each block for verifying the validity of the hash values for the i blocks is verified, the cryptographic unit held in the user's cryptographic account is calculated, In conjunction with the user-side cryptocurrency account information it can be stored in the management DB.

Referring to FIG. 10, the operation server 200 (or the payment server 100) checks exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And a cryptographic currency exchange rate storage unit 1030 for storing the cryptographic currency exchange rate stored in the exchange rate storage area. When the exchange rate information is changed, (Not shown).

N encrypted blocks are stored in a designated block storage area through the crypto-money block storage unit 1010 and / or N encrypted cryptographic blocks are stored in a block storage area designated by the crypto- The encrypted currency exchange rate storage unit 1030 stores the exchange rate between the N encrypted currency corresponding to the N encrypted currency blocks stored in the block storage area and the designated real currency (e.g., KRW, USD, etc.) Confirm the information and save it in the specified exchange rate storage area.

According to the first exchange rate embodiment of the present invention, the exchange rate information between the encrypted currency and the real exchange currency stored in the exchange rate storage area may include exchange rate information that can be arbitrarily changed (for example, arbitrarily changed according to the sale / have. If the exchange rate information is arbitrarily changed, the encrypted currency exchange rate update unit 1035 can periodically update the exchange rate information stored in the designated exchange rate storage area by checking the exchange rate information that is changed every designated period.

According to the second exchange rate embodiment of the present invention, the exchange rate information stored in the exchange rate storage area may include exchange rate information fixed (or set by a designated agency) without being changed. In this case, the encrypted currency exchange rate update unit 1035 may not update the exchange rate information periodically.

Referring to FIG. 10, the operation server 200 (or the payment server 100) confirms a payment request for confirming a payment request using the n-th (1? N? N) password from the user wireless terminal 400 A cryptographic currency exchange rate confirmation unit 1045 for checking the settlement currency rate information based on the exchange rate information stored in the exchange rate storage area designated for the n-th cipher currency at the time of confirming the payment request using the n-th cipher currency, And a decryption unit 1050 for deciding a decryption unit for decryption corresponding to the amount of the settlement based on the confirmed settlement exchange rate information.

If the user's wireless terminal 400 transmits the cryptographic settlement request information for requesting settlement using the n-th (1? N? N) cipher based on the block chain as the payment means instead of the at least one real money based settlement means The payment request confirmation unit 1040 receives the cryptographic unit payment request information requesting payment using the n-th cipher from the user wireless terminal 400. [ The encrypted money settlement request information received from the user wireless terminal 400 includes a unique identifier for uniquely identifying at least one (or a combination of two or more) of wireless terminals, users, and apps requesting payment using the n-th cipher, If the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information for the n-th cryptographic currency are not managed through the cryptographic information manager 1025, And may include at least one of user side password money account information and user side password money transaction authentication information.

When the settlement request confirmation unit 1040 confirms the settlement request using the n-th cipher currency, the cipher currency exchange rate check unit 1045 checks the exchange rate of the n-th cipher currency to be used as the payment means, Check the exchange rate information based on the information.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange rate storage area are arbitrarily changed according to the first exchange rate embodiment of the present invention, the encrypted currency exchange rate confirmation unit 1045 may update the encrypted currency rate update unit 1035), and confirms exchange rate information for payment based on the confirmed current exchange rate information. Here, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And exchange rate information adjusted to hedge a loss due to exchange of exchange based on the fluctuation of the exchange rate information of the exchange rate information.

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

If the settlement exchange rate information between the n-th cipher and the designated real currency is confirmed through the cipher currency exchange confirmation unit 1045, the cipher unit 1050 determines, based on the confirmed settlement exchange rate information, And decides the unit of the password for payment corresponding to the amount to be paid. Meanwhile, according to the method of the present invention, the cryptographic unit determination unit 1050 provides the settlement currency information and / or the cryptographic unit for settlement to the user wireless terminal 400, The user can go through the process of acquiring the user's payment agreement or user approval.

Referring to FIG. 10, the operation server 200 (or the payment server 100) includes an n-th block-chain network 1000 for implementing the n-th cipher money when confirming a payment request using the n-th cipher currency, A cryptographic account checking unit 1060 for identifying a user cryptographic account set up to identify a cryptographic unit held by the user on the basis of the user's cryptographic unit, and a validity authentication unit 1065 that performs at least one encrypted currency settlement validity authentication procedure based on the n cipher block.

When the settlement request confirmation unit 1040 confirms the settlement request using the n-th cipher currency, the cipher currency account identification unit 1060 inquires the management DB managed through the cipher information management unit 1025, The user can confirm the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1000 implementing the n-th cryptographic unit. On the other hand, according to the method of operation, the cryptographic currency account verifying unit 1060 extracts the cryptographic unit denominated in the cryptographic unit held by the user on the n-th block-block network 1000 from the management DB, The user can confirm the user's cryptographic transaction authentication information for proceeding / authenticating the currency transaction. According to another embodiment of the present invention, at least one of the user side encrypted currency account information and the user side encrypted currency transaction authentication information may be received from the user wireless terminal 400, thereby preventing the present invention from being limited No.

If the user's cryptographic account established to identify the cryptographic unit held by the user on the nth block-chain network 1000 is confirmed through the cryptographic unit 1060, the validity authentication unit 1065 checks whether the cryptographic unit A procedure for authenticating the validity of the password currency settlement based on the password currency transaction for fetching the settlement password currency unit determined through the password unit determination unit 1050 from the user's password currency account of the password currency and entering the designated password currency account .

According to an embodiment of the first cryptographic payment validity authentication method of the present invention, the validity authentication unit 1065 includes a validity authentication unit 1065 for authenticating the validity of the n-th cryptographic currency based on the latest updated n-th cryptographic currency block of the n-th cryptographic currency And a step of authenticating whether or not the amount to be paid has a valid cipher currency unit capable of paying the amount to be paid. According to the embodiment of the present invention, the validity authentication unit 1065 reads the latest updated n-th cipher block (for example, i (i > 2 ) Blocks of the cryptographic currency based on the cryptographic transaction details included in the n < th > block, and holds a valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic account of the nth cryptographic unit (Or repeatedly) stored in the management DB designated by the cryptographic information management unit 1025, and / or the user's cryptographic unit information of the n-th cryptographic unit based on the cryptographic unit information of the user stored periodically It is necessary to check whether the amount to be paid has a valid cipher unit capable of payment, and / or in cooperation with a valid node apparatus 1005 on the nth block-chained network 1000 Seen may perform the update process of the n-th cipher block currency and check whether the read out by having the n-th cipher user password currency account password valid currency can make a payment to the payment of money to the Certification. That is, the block-chain-based cryptography does not store and manage the cryptographic unit held by the user in a centralized manner in a server, but rather, the number of ciphers specified in each node device 1005 provided in the block- The validity authentication unit 1065 may read the latest updated n-th cipher block of the n-th cipher key in real time, or may update the n-th cipher block of the n-th cipher key by periodically and / or repeatedly updating and storing the generated cipher block by blocking and chaining And / or a management DB storing information for reading the latest updated nth cipher block of the n-th cipher currency, so as to store the valid password in the user's cipher currency account of the n-th cipher currency, Unit can be carried out.

According to an embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 1065 performs a cryptographic process of the i < th > And a step of verifying validity of the n-th cipher block by performing a specified verification operation of the hash values. According to the embodiment of the present invention, the validity authentication unit 1065 performs a verification operation of hash values included in i (i? 2) blocks included in the latest updated n-th cipher block, I < / RTI > included in the n-th cipher currency block used to calculate the cipher unit held in the user's cipher currency account of the node device 1005 on the n-th block- 2) blocks of the hash values. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but rather a plurality of node devices 1005 provided in the block- The validity authentication unit 1065 decides whether or not the latest updated n-th cipher block of the n-th cipher is valid by using the cipher currency validation authentication procedure Can be performed. According to the method of the present invention, when validity of the n-th cipher block is verified through the validity authentication unit 1065, the process of calculating the cipher unit held in the user's cipher account of the n-th cipher Is preferably performed.

According to the third embodiment of the present invention, the validity authentication unit 1065 includes the user's password account as an account for withdrawal from among the details of the encrypted currency transactions transmitted to the n-th block-chain network 1000 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

According to the method of the present invention, the block-chain algorithm for implementing the block-chain-based cryptography is a method for real-time chaining the encrypted currency transaction details generated for the cryptographic currency transaction in each transaction history unit when a predetermined cryptographic currency transaction occurs (I.e., not including the hash value of the previous password transaction history in the current password transaction history), blocks the encrypted currency transaction history generated for a predetermined time (and / or a predetermined number of times) (I.e., include the hash value of the previous block linked from the original block into the current block and / or generate or apply the block chain verification value for the hash value of the current block) In order for the encrypted currency transaction details to be blocked or chained in the encrypted currency block, a predetermined (or predetermined) This is necessary. For example, in some block-chain-based cryptography, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Therefore, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as a withdrawal account is broadcast to the nth block-chain network 1000 at a certain point in the past, The user-side withdrawal-related cipher transaction history may be a standby state not included in the n-th cipher block before the waiting time set for blocking or chaining the n-th block-chain algorithm.

On the other hand, according to some block chain algorithms, a plurality of node devices 1005 provided on the block-chain network 1000 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 1005 issues new passwords to the device 1005 and / or provides a transaction fee of the encrypted currency transaction details included in the block-chained block to the node device 1005 that succeeded in block-chaining, You can include a high transaction fee in a block that you create, and you can exclude or include it in a block. Therefore, in the case of the partial password transaction details broadcasted to the block-chain network 1000, even if the waiting time on the corresponding block-chain algorithm is set to 10 minutes, the node devices 1005 included in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In the extreme, in the case of some pieces of the cryptographic currency transaction history, it may not be included in the cryptographic currency block until the corresponding block chain network 1000 is closed. Accordingly, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on the time point when the payment request using the n-th cipher currency is confirmed, it is desirable that there is no unacknowledged password transaction history in the standby state on the n block-chain network 1000, thereby preventing the delay of the password transaction for settlement or the error occurrence probability .

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

According to an embodiment of the fourth aspect of the present invention, the validity authentication unit 1065 receives the user's password from the user side on the n-th block-chain network 1000 as a withdrawal account When the user confirms the related unconfirmed password currency transaction details, the user uses the at least one encrypted currency unit among the encrypted currency unit included in the confirmed undisplayed password currency transaction details related to the user-side withdrawal related relationship and the encrypted currency unit held in the user password money account, And a step of authenticating whether or not a valid cryptographic currency unit capable of paying the amount to be paid exists in the cryptographic currency account. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 1000, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 1065 checks whether or not the encrypted currency account unit held in the user's password money account is smaller than or equal to the password currency unit corresponding to the amount to be paid, . Alternatively, for example, if the block-chain algorithm of the n-th cipher currency is broadcasted to the n-th block-chain network 1000 after the user-side withdrawal related cipher transaction details are broadcasted, In a case where the encrypted password account unit is included in the money block and the password currency account unit held in the user password currency account is subtracted, the validity authentication unit 1065 determines whether or not the password unit corresponding to the amount to be paid and the user- It can be confirmed that the sum of the cipher units included in the cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher account so that the validity of the cipher currency payment is authenticated in such a case.

According to the 5th embodiment of the password validation validity authentication method of the present invention, the validity authenticator 1065 may be configured to at least partially combine at least two embodiments among the first through fourth password validity authentication validity embodiments It is possible to certify the validity of the password currency settlement, and it is evident that the present invention can also include the embodiment of this type in the scope of the present invention.

Referring to FIG. 10, the operation server 200 (or the payment server 100), when authenticating one or more specified password currency settlement validity, A cryptographic money transaction procedure unit for performing a cryptographic currency transaction procedure to settle the amount to be paid by using the cryptographic unit, And a result information providing unit 1085 for providing the cryptographic unit based payment result information to the user wireless terminal 400. The cryptographic service providing unit 1085 may include a result information confirming unit 1080, And a cryptographic currency transaction managing unit 1075 for managing the cryptographic currency transaction to be effectively included in the n-th cipher currency block.

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

According to the first billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, You may include escrow cryptographic accounts of nth cryptographic currency designated for escrow that you are saving to exchange. In the present invention, the billing password transaction details broadcasted to the n-th block-chain network 1000 are transaction details of the encrypted currency transaction, not the transaction details of the encrypted currency transaction and the real currency transaction. Therefore, in order for the billing unit for the billing currency withdrawn from the user's cryptographic account of the n-th cipher currency to be converted into the real currency unit, the selling of the cipher unit using the designated cipher currency exchange (for example, the exchange operated by the affiliated exchange or the operator) At least one currency exchange transaction including exchange transactions using real currency based on buy / sell transactions and / or currency exchange transactions using exchange allowance of a business person should be generated, and the exchange transaction to such a real currency takes a certain time. On the other hand, since the password-based settlement using the n-th cipher currency as the settlement means is processed and the cipher currency unit for settlement held in the user's cipher currency account of the n-th cipher currency is fetched, The user may include an escrow cryptographic currency account of the nth cryptographic currency designated to temporarily store the billing currency unit withdrawn from the user's cryptographic account of the nth cryptographic currency until the currency unit is converted into the real currency unit.

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, when the exchange transaction of the n-th cipher currency is actively performed in real time, and the cipher unit 1050 determines the unit of cipher for payment corresponding to the amount to be paid, When the value of the n-th cipher currency is lower than a current rate of currency information of the currency by a certain ratio to calculate the cipher unit for billing, the billing unit for billing thus calculated is used for real- Within a specified time). Alternatively, when a company purchases the above-mentioned settlement unit for currency using a predetermined exchange allowance, the settlement unit may be bought in real time (or within a designated time) at the same time as the sale request. If the billing unit for billing is available for purchase in real time (or within a designated time) at the same time as the bid request, the billing password account is used to sell the billing password unit held in the user's password account of the nth password And a buyer's cryptographic account that holds the buyer's cryptographic units that request and buy in real time (or within a specified time).

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

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

According to the first result information checking embodiment of the present invention, the result information verifying unit 1080 receives the password transaction details for billing through the n-th block-block network 1000 through the cryptographic transaction processing unit The settlement result information including the cryptography-based settlement approval result can be confirmed before the settlement password transaction details are included in the n-th cipher currency block. On the other hand, if the settlement password transaction details are not yet included in the n-th cipher currency block, the result information verifier 1080 determines the result of the cipher settlement (e.g., Based on the result of the payment approval of the final settlement state).

According to the second result information checking embodiment of the present invention, when the settlement password currency transaction details are broadcast within the predetermined time after the settlement password money transaction details are broadcasted to the nth block-chain network 1000, (For example, if the period in which the encrypted currency transaction history is included in the n-th cipher block is within a specified reference time, and / or the operation server 200 (or the payment server 100) The result information confirming unit 1080 confirms whether the settlement password for the settlement password 1040 is transferred to the nth block-chain network 1000 through the cryptogram transaction procedure unit, After the transaction history is broadcasted, after confirming that the payment password transaction details are included in the n < th > password block, the payment result information including the password- It can be found. On the other hand, when the settlement password transaction details are included in the n-th cipher block, the result information verifier 1080 confirms the actual approval result (for example, The result of the payment approval corresponding to the details of the password transaction of the settlement for payment).

The result information providing unit 1085 may provide the cryptographic unit based payment result information confirmed according to the first or second result information checking example to the user wireless terminal 400 and / , The user wireless terminal (400) and / or the merchant terminal can receive and output the password-based payment result information.

FIG. 11 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chained network 1000 according to an embodiment of the present invention.

In more detail, FIG. 11 is a block diagram of a block-chain network 1000 that is implemented on N block-chained networks 1000 implementing N (N? 1) And stores the coded block in the designated block storage area. The new block is newly created or agreed upon according to the block chain algorithm implemented on the N block-chain networks 1000, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope of the present invention. It will be appreciated that various implementations (e.g., some steps omitted or alternate implementations) may be inferred, The present invention is not limited to the technical features of the present invention.

Referring to FIG. 11, a node device 1005 on a block-chain network 1000 transmits a specified number of encrypted currency transactions 1000 broadcasted to the block-chain network 1000 according to a block- And transmits the generated new block to another node device 1005 on the block-chain network 1000 to perform a block-chaining process, and then the agreed-upon blocks are chained (Or the payment server 100) performs a procedure of distributing and storing the cipher block including the cipher block to each node device 1005 (1100), and the operation server 200 (or the payment server 100) (Block 1105), which is generated or agreed upon in accordance with a block-chain algorithm implemented on the N block-chain networks 1000 implementing the cipher block. If the encrypted money block is confirmed, the operation server 200 (or the payment server 100) stores the identified encrypted money block in the designated block storage area (1110).

Thereafter, the operation server 200 (or the payment server 100) checks whether a new block is created or agreed according to the block chain algorithm specified on the block-chain network 1000 corresponding to the encrypted money block stored in the block storing area (1115). If a new block is created or agreed on the block-chain network 1000, the operating server 200 (or the payment server 100) confirms a new block that is newly created or agreed on the block-chain network 1000 (Block 1120). The identified new block is chained to the cryptographic block stored in the block storage area, and the new block is updated and stored (1125), and a new block, which is newly created or agreed on the block chain network 1000, Periodically and / or continuously repeating the process of updating and storing the encrypted money block stored in the storage area. As a result, the latest cipher block can always be kept in the block storage area.

FIG. 12 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a process of confirming and storing and / or updating exchange rate information set for exchanging between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, Those skilled in the art will appreciate that various modifications and variations of the method of managing the exchange rate information (e.g., some steps may be omitted, or in order However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

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

On the other hand, when the exchange rate information is periodically fluctuating exchange rate information, the operation server 200 (or the payment server 100) checks the current exchange rate information that varies according to the designation period (1210) (1215), and the exchange rate information that can be immediately exchanged can be maintained in the exchange rate storing area.

FIG. 13 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.

FIG. 13 is a block diagram illustrating a user's information about a user, a user's password money account information for the user's password money transaction, and a user's password money transaction authentication information for a real name-based password currency transaction using a password held by a user The user side password money registration information including the user's password is registered and stored. Referring to FIG. 13 and / or modified by the person skilled in the art, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 13, when user information using the n-th cipher is registered 1300 in the user wireless terminal 400, the operation server 200 (or the payment server 100) And stores it in the management DB (1305). On the other hand, on the n-th block-chain network 1000 implementing the n-th cipher system in the user wireless terminal 400, the user's cipher account information for identifying the user's cipher account established to identify the cipher unit held by the user The user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block- The operation server 200 (or the payment server 100) registers the user's password money account information including the user's password money account information and the user's password money transaction authentication information (1310) (1315), and associates the user-side encrypted currency account information and the user-side encrypted currency transaction authentication information with the user information (1320), and stores information for a user name-based password exchange transaction based on the real name.

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

The operation server 200 (or the payment server 100) may perform a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the identified nth encrypted currency block (1335) the validity of the nth cipher block. If the validity of the n-th cipher block is not verified, the operating server 200 (or the payment server 100) receives the latest valid n-th cipher from the valid node device 1005 of the n-th block- (Re) verification of the encrypted money block, storing it in the designated block storage area (1340), and (re-) checking the validity of the confirmed / stored nth encrypted currency block.

On the other hand, if the validity of the n-th cipher block is not verified, the operating server 200 (or the payment server 100) can not verify the validity of the encrypted money transaction included in the i blocks included in the verified n-th cipher currency block (1345), and the cryptographic unit held in the user's cryptographic account of the nth cryptographic unit is calculated (1345). If the encrypted currency unit held in the user's cryptographic currency account of the n-th cipher currency is calculated, the operation server 200 (or the payment server 100) And stores it in the management DB in association with the user's password money account information (1350).

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

In more detail, FIG. 14 shows a case where the nth cipher currency based settlement is requested by the user wireless terminal 400, the settlement exchange rate information is checked based on the nth cipher currency and the real currency, (And / or a password unit for settlement) through the user wireless terminal 400 after confirming the settlement unit for the settlement currency exchange unit 400, Those skilled in the art will be able to refer to and / or modify this FIG. 14 to suggest various implementations of the cryptography-based payment verification process (e.g., some steps omitted or alternate procedures). However, it should be understood that the present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the method shown in FIG. 14 You.

Referring to FIG. 14, when the user wireless terminal 400 requests the n-th cipher based payment through the process of FIG. 10, the operation server 200 (or the payment server 100) The payment request is confirmed (1400). If the n-th cipher-based payment request is confirmed, the operation server 200 (or the payment server 100) checks whether the n-th cipher and the real exchange rate (Step 1405), and determines a unit for decrypting a bill for payment (step 1410) based on the confirmed settlement exchange rate information.

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

More specifically, FIG. 15 illustrates an example in which when the operation server 200 (or the payment server 100) confirms a payment request using the n-th cipher system, Identifying a user's cryptographic currency account set to identify the cryptographic currency unit possessed and determining one or more cryptographic payment validity based on the user's cryptographic currency account of the nth cryptographic currency and the latest updated nth cryptographic currency block of the nth cryptographic currency, The present invention is not limited to the above embodiments, and various modifications and changes may be made thereto without departing from the spirit and scope of the present invention. For example, some steps may be omitted or the order may be altered), but the present invention encompasses all such envisioned methods of implementation And the technical features thereof are not limited only by the method shown in FIG.

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

On the other hand, the node devices 1005 on the n-th blocky chain network 1000 corresponding to the n-th ciphered currency are broadcasted to the n-th block-chained network 1000 according to the block chain algorithm implemented in the corresponding block- And a block chaining process of generating a new block to be chain-coupled with a previous block including a specified number of cryptographic transaction details and transferring the generated new block to another node device 1005 on the n-th block- The decrypted blocks are distributed and stored in the respective node devices 1005 (step 1515). If the user's password account of the n-th cipher currency is confirmed , The operating server 200 (or the payment server 100) receives the latest updated n-th encryption of the n-th cipher from the designated block storage area through the process of FIG. N) of the n < th > cipher from the node device 1005 on the n < th > block chain network 1000 corresponding to the n & .

The operation server 200 (or the payment server 100) may perform a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the identified nth encrypted currency block (1525) a validity of the n-th cipher currency block through the cipher validation procedure. If the validity of the nth cipher block is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1505, and the user wireless terminal 400 And receives and outputs the error information through a communication network (1510).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 200 (or the payment server 100) determines the n-th cipher block based on the latest updated n-th cipher block of the n-th cipher, (1530) a cryptographic currency payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user has a valid cryptographic currency unit capable of paying the amount to be paid in the user's cryptographic currency account. If the validity of the user-held cipher currency unit is not authenticated, the operation server 200 (or the payment server 100) provides error information through the communication network 1505, And receives and outputs the error information (1510). According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher key to authenticate the cipher-based payment when the validity of the user- The present invention is not limited thereto.

On the other hand, if the validity of the user-held cipher currency unit is authenticated, the operation server 200 (or the payment server 100) transmits the payment request to the n-th block- 1000, which includes the user's cryptographic account as the withdrawal account, authenticates that there is no idle-state user-withdrawal-related unrecognized password currency transaction that is not included in the nth cryptographic currency block A cryptographic bill validity authentication procedure for authenticating the block chaining validity is performed (1535). According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher currency to generate a cipher transaction for the cipher-based payment when the block- It is possible to perform the procedure, and thus the present invention is not limited thereto.

If the validity of block chaining is not verified by checking the idle state user-side withdrawal-related unrecognized password currency transaction details including the user's password money account as the withdrawal account on the n-th block-chain network 1000, 200) (or the settlement server 100) may use at least one of the encrypted denomination units included in the confirmed uninitiated encrypted currency transaction history and the encrypted denomination unit held in the user's password money account (1540) a cryptographic currency payment validity authentication procedure for authenticating the validity of the user-held cryptographic currency unit whether the user has a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic currency account. According to an embodiment of the present invention, the operation server 200 (or the payment server 100) can use the n-th cipher key to authenticate the cipher-based payment when the validity of the user- The present invention is not limited thereto.

If the block chaining validity is not authenticated and / or the user side password related transaction is not authenticated on the n-th block-chain network 1000, If the validity of the user-held cipher currency unit is not authenticated using at least one of the encrypted currency unit included in the withdrawal-related unconfirmed cipher currency transaction details and the encrypted currency unit held in the user's cipher currency account, The server 200 (or the payment server 100) may determine whether or not the uninvited password-related transaction data of the nineteenth block-chain network 1000 has been received from the user- In order to first include the settlement password currency transaction details in the n-th cipher currency block And performing a specified process (1545), it is possible by using the n-th cipher money to perform password monetary transaction process for the encryption based monetary payment. In this case, the operation server 200 (or the payment server 100) may determine that there is a user-withdrawal-related unconfirmed password transaction history previously broadcasted to the n-th block-chain network 1000 and / It is possible to perform a procedure of providing notification information to the user wireless terminal 400 that an error may (or may not) be caused by an undeclared cipher currency transaction detail related to the withdrawal, and thus the present invention is not limited thereto.

FIG. 16 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case where the operation server 200 (or the payment server 100) determines the cryptographic unit held in the user's cryptographic account of the n-th cryptographic currency when the at least one specified cryptographic currency payment validity is authenticated FIG. 16 is a flow chart illustrating a procedure for performing a designated password transaction procedure to settle an amount to be paid by using the present invention. Referring to FIG. 16 and / or modified by the person skilled in the art, It will be appreciated that various implementations of the cryptographic process (e.g., some steps may be omitted, or alternate implementations) may be inferred, but the present invention includes all of the above- The technical features are not limited only by the implementation method shown in FIGS.

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

On the other hand, the operation server 200 (or the payment server 100) broadcasts the password transaction for settlement to the n-th block-chain network 1000 and then transmits the password- And confirms the password-based payment result information (1615). If the password-based payment result information is confirmed, the operation server 200 (or the payment server 100) provides the password-based payment result information to the user wireless terminal 400 and / or the merchant terminal (1620), the user wireless terminal (400) and / or the merchant terminal (1625) receives and outputs the encrypted money based settlement result information.

100: Payment server 200: Operating server
205: information storage unit 210: transaction registration receiver
215: UGID receiver 220: Authentication code generator
225: Transaction registration manager 230: Registration result provider
235: recognition information receiving unit 240: identification / authentication processing unit
245: transaction registration confirmation unit 250: transaction information provider
255: payment procedure processing unit 260: payment result processing unit
300: Merchant's wireless terminal 310: Sound wave input unit
315: merchant payment department 320: merchant application
325: Information registering part 330: Transaction registering part
335: UGID generation unit 340: UGID registration unit
345: registration result reception unit 350: information configuration unit
355: Signal transmission processing section 360: Result processing section
400: user wireless terminal 410: sound wave input unit
420: Operating App 425: Signal Verification Unit
430: Signal recognition unit 435: Identification information transmission unit
440: Transaction information receiving unit 445: Payment processing unit
1000: block chain network 1005: node device
1010: a crypto-money block storing unit 1015: a crypto-
1020: a password money information registering unit 1025: a password money information managing unit
1030: encrypted currency exchange rate storage unit 1035: encrypted currency exchange rate update unit
1040: Payment request confirmation unit 1045: Cryptographic currency exchange rate confirmation unit
1050: decryption unit 1055: decryption unit 1055:
1060: Password Money Account Verification Unit 1065: Validity Verification Unit
1070: Cryptographic Transaction Processing Section 1075: Cryptographic Transaction Management Section
1080: Result information checking unit 1085: Result information providing service

Claims (17)

A method for communicating with an affiliate store wireless terminal that transmits a specified sound wave signal via a local area network,
The operation server receives the transaction registration information including the money amount information from the wireless terminal of the merchant point to which the operating sound wave signal is to be transmitted from the mobile terminal and transmits the designated sound wave signal to the operation terminal, Receiving a UGID (Uniquely Generated IDentification) generated through the merchant wireless terminal to uniquely identify a specific transaction corresponding to the UGID;
A second step of generating a disposable authentication code for authenticating the validity of the specific transaction identified by the UGID by the operation server;
A third step of the operation server associating and storing the transaction registration information with the UGID and the authentication code;
The operating server reads the sound wave signal from the designated operating app of the user wireless terminal that has received the sound wave signal transmitted from the nearby point-of-sale wireless terminal provided at the merchant and includes information corresponding to the recognized UGID and the authentication code A fourth step of receiving recognition information;
The operation server reads the UGID corresponding to the identification information and uniquely identifies the merchant having the merchant wireless terminal that has transmitted the sound wave signal, and authenticates the merchant with the UGID of the transaction registration information registered at the merchant A fifth step of confirming the transaction registration information identified as the transaction registration information and authenticating the validity of the transaction registration information confirmed through the authentication code;
A sixth step of, when the transaction registration information is identified and authenticated, the operation server providing transaction information including a transaction amount corresponding to the amount information of the transaction registration information to the operating app of the user wireless terminal;
The user wireless terminal checks the user's password account of the n-th cipher currency upon confirming the payment request using N (1? N? N) cipher currency among N (N? 1) And a password for withdrawing a settlement unit for the settlement from the user's cryptographic account of the n-th cipher system through an n-th block chain network implementing the n-th cipher system and transferring the settlement unit to the specified settlement cipher account, A seventh step of processing to carry out the money transaction procedure or confirming the result of the coded money transaction procedure performed through the designated payment server; And
And providing the encrypted money based settlement result information to the user wireless terminal and the merchant terminal on the basis of the encrypted money transaction procedure,
Wherein the transaction amount is used in a payment procedure performed through an operating app of the user wireless terminal, wherein the transaction amount is an asynchronous reverse payment method using a cigarette money and an affiliate shop wireless terminal that transmits an acoustic wave signal.
The method of claim 1,
The operation server (or the node device connected to the operation server) generates a block according to a block chain algorithm implemented on a designated block chain network,
The operation server (or the node device connected to the operation server) is created or agreed through a block chain algorithm implemented on a designated block-chain network, and a cipher money ,
And a cipher currency of an operator issued through a block chain network implemented by an operator operating the operating server. The mobile terminal of claim 1, Payment Method.
The method according to claim 1,
A user side terminal for registering user information for the user through an app of a user wireless terminal and for identifying a user's cryptographic account established to identify a cryptographic unit held by a user on an nth block- And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account in accordance with the cryptographic account information and the block chain algorithm implemented on the nth block- Performing a procedure of registering user-side encrypted money registration information; And
Further comprising the step of managing the user's password transaction by storing the user's password account information and the user's password transaction authentication information in a designated management DB in association with the user information, A method of asynchronous reverse payment using a wireless terminal of a merchant transmitting and a password.
The method according to claim 1,
Further comprising the steps of: confirming exchange rate information for exchange between a cryptogram corresponding to a cryptographic currency block stored in a designated block storage area and a specified real currency, and storing the exchange rate in a designated exchange storage area; Asynchronous reverse payment method using wireless terminal and cryptography.
5. The method of claim 4,
When the exchange rate information changes,
Further comprising the step of checking the exchange rate information that is changed every predetermined period and updating the exchange rate information stored in the designated exchange rate storage area, wherein the asynchronous reverse payment method using the encryption money is used.
5. The method of claim 4,
When confirming the payment request using the n-th cipher currency,
Confirming the settlement exchange rate information based on the current exchange rate information between the updated n-th cipher currency and the designated real currency; And
Further comprising the step of determining a settlement unit of a currency unit for settlement corresponding to the amount to be settled based on the settlement exchange rate information, wherein the asynchronous reverse settlement unit Way.
7. The method according to claim 6,
The exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency,
The exchange rate information for calculating the value of the n-th cipher currency by a certain percentage lower than the current exchange rate information,
Wherein the at least one exchange rate information includes at least one of exchange rate information adjusted to hedge a loss due to exchange of exchange based on a fluctuation of exchange rate information for a predetermined period of time. Asynchronous reverse payment method using cryptography.
The method according to claim 1,
A cipher block containing blocks ciphered or generated according to a block-chain algorithm implemented on N block-chain networks implementing N (N > = 1) ciphers implemented on a block-chain is identified and designated Storing in a block storage area; And
Checking a new block newly created or agreed upon according to a block chain algorithm implemented on the N block-chain networks, and performing a procedure of chaining and updating the new block in a cryptographic block stored in a designated block storage area And transmitting the sound wave signal to the franchise point wireless terminal and the asynchronous reverse payment method using the encrypted money.
9. The method of claim 8,
And verifying the validity of the n-th cipher block by performing a specified verification operation of hash values included in each block to chain i (i? 2) blocks included in the n-th cipher block, And transmitting the sound wave signal to the franchisee wireless terminal, and the asynchronous reverse payment method using the cipher money.
The method according to claim 1 or 8,
Wherein when a payment request using the n-th cipher currency is confirmed, a valid password which can settle the amount to be paid in the user's cipher currency account of the n-th cipher currency based on the latest updated n-th cipher block of the n-th cipher currency, The method of claim 1, further comprising the step of authenticating whether or not the mobile terminal has a currency unit, and performing a password validation authentication procedure including a procedure for authenticating whether the mobile terminal has a currency unit.
The method according to claim 1,
And a control unit for controlling the user to input the user's password into the withdrawal account of the cryptographic transaction recorded in the n-th block-chain network on the basis of the confirmation of the payment request using the n-th cipher currency upon checking the payment request using the n-th cipher currency, Further comprising the step of performing a cryptographic transaction validation authentication procedure including authenticating that there is no idle-state user-side withdrawal-related uncertified cryptographic transaction transaction details not included in the n-th cryptographic transaction block, An asynchronous reverse payment method using a wireless terminal of a merchant transmitting a sound wave signal and a cipher currency.
12. The method of claim 11,
When the unconfirmed password transaction history of the user-side withdrawal is confirmed on the n-th block-chain network, the encrypted denomination unit included in the verified user-withdrawal-related undecided password currency transaction history and the encrypted And a step of authenticating whether or not the user has a valid cryptographic currency unit capable of paying the amount to be paid in the user's cryptographic currency account using at least one cryptographic currency unit of the currency unit And transmitting the sound wave signal to the franchisee wireless terminal, and the asynchronous reverse payment method using the cipher money.
12. The method of claim 11,
N-th block-chain network, the method comprising: when the user confirms the uninitialized encrypted currency transaction history on the n-th block-chain network, associates the confirmed uninitialized password transaction with the block-chaining process based on the block- The method as claimed in claim 1, further comprising the step of: performing a designated procedure to include in the n-th cipher money blocking block the transaction details of the password transaction for settlement more than the transaction details of the money transaction. Asynchronous reverse payment method using.
The method as claimed in claim 1,
A password cryptographic transaction for payment for transferring the cryptographic unit for payment corresponding to the amount to be paid out from the cryptographic unit held in the user's cryptographic currency account of the n-th cryptographic unit to the designated cryptographic unit And transmitting the sound wave signal to the n-th block-chain network. The asynchronous reverse payment method using cryptographic money and the merchant wireless terminal for transmitting the sound wave signal.
The billing method according to claim 14,
An escrow cryptographic account of the n-th cipher currency designated for escrow which temporarily reserves the cipher unit of the cipher currency held in the user's cipher currency account of the n-th cipher currency for the exchange in the real currency unit, And transmitting the sound wave signal to the franchise point wireless terminal, wherein the franchise point wireless terminal transmits the sound wave signal and the asynchronous reverse payment method using the password.
The billing method according to claim 14,
And a cryptographic money account for purchasing the cryptographic unit for settlement after requesting to sell the cryptographic unit for settlement among the cryptographic units held in the user's cryptographic currency account of the n-th cryptographic currency according to a designated cryptographic transaction procedure, And transmitting the sound wave signal to the franchise point wireless terminal and the asynchronous reverse payment method using the encrypted money.
15. The method of claim 14,
And transmits the settlement result information including the result of the cryptogram-based settlement approval for the cryptographic currency transaction procedure to the user wireless terminal and the affiliate shop terminal within a predetermined time after broadcasting the settlement cryptographic currency transaction details to the nth block- And transmitting the sound wave signal to the franchise point wireless terminal, wherein the franchise point wireless terminal transmits the sound wave signal and the asynchronous reverse payment method using the password.

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