KR20190083072A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Radio Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an asynchronous reverse direction payment method based on application interlocking, using a wireless device and blockchain. According to the present invention, the asynchronous reverse direction payment method based on application interlocking is executed by an operation server capable of communicating with a user wireless terminal receiving a designated wireless signal transmitted in short distance by the additional wireless device installed in an affiliated store. The asynchronous reverse direction payment method based on application interlocking includes: a first step of forming a blockchain network by the operation server or of linking the operation server to the blockchain network formed in advance; a second step of receiving transaction information from a designated operation application of the user wireless terminal by the operation server and receiving one-time identification (OTID); a third step of linking and storing the transaction information and the OTID by the operation server; a fourth step of receiving recognition information including the OTID by the operation server within the effective time of the OTID; a fifth step of performing an authentication procedure checking the transaction information by the operation server; a sixth step of providing the transaction information checked to an authentication server by the operation server; a seventh step of generating a transaction book detail by the operation server; and an eighth step of performing and processing a blockchainizing procedure.

Description

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

The present invention can be applied to a mobile communication terminal that reads out the radio signal from a designated operating app of a user wireless terminal transmitted from a separate wireless device provided at an affiliate shop and stores transaction information including a predetermined transaction amount input through the wireless device, (OTID) generated to identify a specific transaction corresponding to the transaction information uniquely for at least a predetermined period of time, and transmits the OTID (One Time IDentification) When the identification information including the OTID provided by the operating app is transmitted via the designated path in the payment application separately driven to the user wireless terminal by mapping the OTID, Identifies and authenticates the transaction information registered in the identification and authenticated merchant, Confirmed that any one of transaction information to be identified by administration to store and then be processed to provide payment to the payment app, the chained payment result of the settlement processing a settlement result information blocks over a given path.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to solve the above problem is to provide a mobile wireless terminal that reads a radio signal from a designated operating app of a user wireless terminal transmitted from a separate wireless device provided at a merchant, A One Time IDentification (OTID) generated for unique identification of the transaction information including the money and the merchant having the wireless device separately and for uniquely identifying the specific transaction corresponding to the transaction information at least for a predetermined period of time And transmits the recognition information including the OTID provided by the operating app via the designated path in the payment application separately driven to the user wireless terminal by mapping the transaction information and the OTID, And authenticates the merchant having the wireless device through the OTID, The transaction information is uniquely identified through the OTID, and is provided to the payment application through a designated path to be processed by the payment application. Then, the payment result of the payment result information processed by payment is block-chained and stored And to provide an asynchronous reverse payment method based on an app linkage using a block device and a wireless device to be managed.

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 a process of applying a block chain to settlement.

The asynchronous reverse payment method based on the application linkage using the block device and the wireless device according to the present invention is executed through an operation server capable of communicating with a user wireless terminal receiving a designated wireless signal transmitted from a nearby wireless device via a separate wireless device (N > = 2) node devices operating according to a specified block-chain algorithm, the method comprising the steps of implementing a block-chain network for block- And the operating server reads the wireless signal from the operating app from a designated operating app of the user wireless terminal that has received the wireless signal transmitted from the wireless device through the wireless device of the merchant, The transaction information including a predetermined transaction amount confirmed based on the transaction information, A second step of uniquely identifying a merchant having the device and receiving an OTID (One Time IDentification) generated to uniquely identify a specific transaction corresponding to the transaction information at least for a predetermined period of time; A third step of associating and storing the transaction information with the OTID; and a third step of storing the OTID transmitted from the operating application to the payment application from the authentication server associated with the payment application running in the user wireless terminal within the valid time of the OTID And the operation server reads the received OTID to uniquely identify the merchant having the wireless device, and at the same time, identifies the unique transaction information registered in the identified and authenticated merchant through the OTID A fifth step of performing an authentication procedure for confirming any transaction information identified as < RTI ID = 0.0 > The method comprising the steps of: (a) providing the transaction information to the authentication server; and (e) checking the payment result information processed by the operation server by the operation server, And a step of processing to perform block chaining of the generated transaction ledger details through the block chain network, wherein the transaction information includes at least one of a transaction history, The payment application is provided to the user's wireless terminal as a payment application, and is used in a payment procedure performed in the payment application.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the block chain network comprises a self-block chain network , A virtual block chain network implemented by emulating N node devices through at least one server operated by the operator, at least n (1? N <N) node devices built by the operator and at least And at least one block-chain network among hybrid block-chain networks implemented by including (Nn) virtual node devices emulated through a single server.

In the asynchronous reverse payment method based on an application interlocking system using a block device and a wireless device according to the present invention, the block chain network includes a block chain network implemented for cryptographic currency transactions, a block chain Network, and at least one external block-chain network interlocked with the operation server among the block-chain networks implemented for information storage.

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

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the block chain network may be configured such that the operation server (or the node device associated with the operation server) And a block-chain network in which the active node participates in an active node capable of requesting a consensus as a valid block

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the block chain network may generate and transmit an application server (or a node device associated with the operation server) And a block-chain network in which the validated chained blocks are participated in a passive node capable of real-time confirmation.

In an asynchronous reverse payment method based on an application interlock using a block device and a wireless device according to the present invention, in the first step, N (N? 2) node devices operating in accordance with a designated block- (Or a stacked block) of valid blocks that have been chained through the above-described consensus process by performing a procedure of creating a new block including the transaction record details or agreeing the new block as a valid block between each node device To each of the node devices, or by interfacing with a block-chain network implemented by implementing the block-chain network.

In an asynchronous reverse payment method based on an application linkage using a wireless device and a block chain according to the present invention, the seventh step includes a step of, when m (m? 2) M) pieces of information on the transaction history.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the seventh step includes a step of, among m (M? 2) pieces of information included in the payment result information, (1 &amp;le; m &lt; M) number of pieces of secret information among the m pieces of identified information, checking j pieces of private information to be noticed and unique identification information (Mj) pieces of publicly available information and the stored / verified identification information included in the payment result information are stored in a designated management database that matches or stores j pieces of private object information and identification information previously stored in the management DB And generating a transaction record including the transaction history.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the seventh step includes a step of, among m (M? 2) pieces of information included in the payment result information, (1 &amp;le; m &lt; M) number of pieces of secret information among the confirmed m pieces of information, Generating hashed hash information in a one-way manner; and generating a transaction history including (mj) pieces of publicly available information included in the payment result information and the generated hash information.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the seventh step includes a step of, among m (M? 2) pieces of information included in the payment result information, (1 < = m &lt; M) pieces of information among the m pieces of identified pieces of information and confirming j (1? J &lt; m) pieces of private information to be decrypted Generating secret information encrypted with j pieces of secret information to be verified and generating transaction history records including (mj) pieces of publicly available information included in the payment result information and the generated password information Wherein the decryption key includes at least one of a key value provided in a designated security area of the operation server and a private key of a server side certificate of the operation server It is gong.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the eighth step includes the steps of broadcasting the generated transaction ledger to the block chain network and performing a block chaining process And a control unit.

In an asynchronous reverse payment method based on an application linkage using a block device and a wireless device according to the present invention, the eighth step is a step of determining whether the number of transaction details broadcasted to the block chain network during a specified reference time is less than a specified reference number And when the number of transaction history details broadcasted to the block chain network during the specified reference time is broadcasted to the block chain network for a specified reference time, And generating a specified number of dummy transaction history details to maintain the details of the dummy transaction history and broadcasting the dummy transaction history to the block chain network.

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the eighth step includes transmitting the broadcast transaction details within a predetermined time after broadcasting the transaction details to the block- And verifying whether a transaction history block including (or loading) an effective block generated or agreed upon is distributedly stored in N node devices provided in the block-chain network.

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

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

According to the present invention, various technical and / or security defects occurring in a process of applying a block chain technology to settlement are solved, thereby providing a secure managed reverse wireless settlement service through a block chain.

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
FIG. 3 is a diagram showing a functional configuration of the affiliate shop-side wireless device according to the embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of implementing an information registration process and a block chain network according to an embodiment of the present invention.
6 is a diagram illustrating a process of transmitting and receiving a radio signal for reverse payment according to an embodiment of the present invention.
7 is a diagram illustrating a transaction information registration process for reverse payment according to an embodiment of the present invention.
8 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a process of performing an inverse payment procedure according to an embodiment of the present invention.
10 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.
11 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

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

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

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

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

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

1 is a block diagram illustrating the operation of a wireless communication device according to an exemplary embodiment of the present invention. Referring to FIG. 1, the wireless communication device 300 reads a wireless signal from a designated operating application 420 of a user wireless terminal 400, The transaction information including the entered transaction amount and the merchant having the wireless device 300 are authenticated separately and at the same time a specific transaction corresponding to the transaction information is created to uniquely identify the transaction for at least a predetermined period of time (OTID), the OTID is transmitted to the user wireless terminal (400) by mapping the transaction information and the OTID to the operating app (450) 420 and transmits the identification information including the OTID provided by the OTID 420 to the franchisee having the wireless device through the OTID, And the payment information is provided to the payment application 450 through a designated route to be processed for settlement processing. The present invention is not limited to the above- One of ordinary skill in the art will be able to refer to and / or modify the FIG. 1 to illustrate various implementations of a reverse payment providing system using the merchant-side wireless device 300 (e.g., some of the components may be omitted, However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited thereto.

The system of the present invention is characterized in that the system includes a predetermined transaction amount input for settlement of the franchisee and uniquely identifying the franchisee and uniquely identifying a particular transaction of the franchisee for at least a predetermined period of time An operation app 420 for recognizing various types of information included in a wireless signal transmitted through the affiliate shop wireless device 300, A user wireless terminal 400 capable of installing or installing a payment application 450 for performing a payment procedure for a specific transaction identified through information recognized through a signal and an operating app 420 of the user wireless terminal 400 And an operation server 200 interworking with an authentication server 100 associated with the payment application 450 of the user wireless terminal 400 and / An authentication server 100 interlocked with the application 450 and interworking with the operation server 200 and a server side settlement process corresponding to a settlement procedure performed through the payment application 450 provided on the settlement system And a payment server 105 for performing the registration of the mobile terminal 100. The mobile terminal 110 may further include a merchant terminal 110 for registering the information specified in the operation server 200 according to the method. According to an embodiment of the present invention, the operation server 200 is a block chain that blocks the transaction history details of a specified structure via N (N? 2) node devices 120 operating according to a specified block chain algorithm A function of implementing the network 115 or interworking with the implemented block chain network 115, a function of confirming the settlement result information that has processed the settlement, and a function of displaying the transaction history including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 115. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

The merchant terminal 110 is a general term of a terminal operated by an affiliate store having a wireless device transmitting a designated radio signal and is capable of communicating with the operation server 200 through a communication network, And / or to receive payment result information of the wireless device-based reverse payment according to the present invention from the operation server 200. In this case, The merchant terminal 110 may be a merchant terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each merchant or a merchant wireless terminal (e.g., a smart phone, a mobile phone, ) Or a wireless terminal owned by a merchant (or an employee), and is not limited to a specific terminal.

According to the method of the present invention, the merchant terminal (110) can perform a predetermined information registration procedure for the reverse payment using the wireless device to the designated operating server (200). Preferably, the merchant terminal 110 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / business name, business number, etc.) to the designated operating server 200 can do. On the other hand, the merchant terminal 110 stores the merchant information given to the merchant in a designated storage area for a predetermined payment (for example, a forward payment for transferring the specialties to the card issuer from the merchant terminal via the VAN) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the merchant terminal 110 may store predetermined terminal information (for example, information that uniquely identifies a specific terminal among terminals included in the merchant, or information given to the merchant terminal processing the forward payment, etc.) And can transmit and receive the terminal information to the designated operation server 200 and register it.

The merchant terminal 110 (or a separate operating terminal (not shown) associated with the operating server 200) may transmit a designated unique code (for example, a merchant having a wireless device that transmits a designated radio signal, And / or a separate inherent code that uniquely identifies the merchant terminal (110) operated by the merchant having the wireless device, and / or a wireless device A separate inherent code for uniquely identifying the device, etc.), and process the specific code to be registered through the specified operating server 200. [

According to the first specific code embodiment of the present invention, the unique code may include a code value assigned to the merchant, which is determined so as not to be duplicated to uniquely identify the merchant having the wireless device. Traditionally, the merchant information may include information for identifying the merchant (for example, merchant information such as a merchant shop number for (forward) payment). The information conventionally allocated to the merchant is provided in the merchant The unique code is provided to the merchant so that the merchant having the wireless device is separately determined in order to uniquely identify the merchant by uniquely identifying the merchant. You can include code values.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined in order to uniquely identify the merchant terminal 110 of the merchant having the wireless device. If the merchant terminal 110 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal may be provided to identify only the merchant terminal regardless of whether the merchant is equipped with the wireless device or not, May include code values determined so as not to be duplicated in order to uniquely identify the franchise-side terminal 110 provided at the franchisee having the wireless device by having the wireless device at the franchisee.

According to the third specific code embodiment of the present invention, the unique code may include a code value that is determined not to be duplicated in order to uniquely identify the wireless device at the merchant. In order to uniquely identify the wireless device, the wireless device of the merchant may be given a unique code value that is not duplicated. In this case, the code value assigned to the wireless device may be uniquely identified by the merchant having the wireless device It can be used as a 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, it is evident that the unique code of the present invention belongs to the scope of the present invention regardless of whether the code is a code that is uniquely assigned to uniquely identify the wireless device.

According to the embodiment of the present invention, the merchant terminal 110 (or the information registration terminal or the like used by the merchant) operated by the merchant having the wireless device is provided with the first to fourth It is possible to confirm the unique code corresponding to at least one embodiment of the inherent code embodiment and perform the procedure of registering through the designated operating server 200. [

According to the first unique code identification embodiment of the present invention, the unique code may be displayed on one side of the merchant-side wireless device 300 or may include a code value printed on the wireless device's user's manual, In this case, the franchisee (or employee) of the franchisee to which the franchisee-side wireless device 300 is supplied (or purchased) can input the code value provided in the wireless device through the franchisee-side terminal 110, The merchant terminal 110 can confirm a unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-point-side radio device 300 can be supplied (or sold) to a merchant while recording a code value unique to a designated storage area, The merchant terminal 110 of the received (or purchased) merchant is connected to at least one local communication means (e.g., at least one of Bluetooth, WiFi, NFC, and RF communication, or a wired communication means such as USB, RS232, Etc.) of the franchise point-side radio apparatus 300. In this case, the merchant terminal 110 requests / receives a code value recorded in a designated storage area of the wireless device in cooperation with the merchant-side wireless device 300, and transmits a unique code including the received code value Can be confirmed.

According to the third specific code checking embodiment of the present invention, the merchant terminal 110 may access 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 terminal 110 generates a code value that is not duplicated (or generates a code value) through a designated code generation procedure, And checks the unique code including the generated code value.

According to the fifth unique code checking embodiment of the present invention, the operating server 200 communicating with the merchant point-side terminal 110 generates a code value that is not duplicated (or generates a code value The franchise point terminal 110 may receive the code value determined not to be duplicated from the operation server 200, and may transmit the generated code value to the franchise point terminal 110, And receive a unique code containing the received code value.

According to the sixth specific code checking embodiment of the present invention, the merchant terminal 110 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 embodiment of the present invention, the merchant terminal 110 transmits the unique code confirmed through at least one of the first through sixth unique code checking embodiments to the merchant terminal 110 (or merchant Side wireless device 300 associated with the mobile terminal 110) in a designated storage area (but may be omitted if stored in advance).

According to the method of the present invention, the merchant terminal (110) transmits the unique code identified through at least one of the first through sixth unique code checking embodiments to the specified operating server (200) Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant terminal 110, The inherent code can be linked and stored in the designated storage medium.

The franchise point wireless device 300 is a collective term of a device that is installed in / operated in the affiliate shop and transmits (or broadcasts) a wireless signal of a specified wireless signal standard that can be received and recognized by a user wireless terminal 400 in a short distance, The mobile terminal 400 includes information necessary for recognizing / confirming transaction information including a predetermined transaction amount by reading the radio signal from the designated operating application 420 of the mobile terminal 400, It is possible to transmit a designated radio signal including information necessary for recognizing / confirming the generated OTID separately for uniquely discriminating a specific transaction corresponding to the transaction information at least for a predetermined time have.

The present invention is characterized in that the operating app 420 of the user wireless terminal 400 transmits a radio signal for recognizing and confirming transaction information and OTID through a separate wireless device provided at an affiliate shop, The transaction information and the OTID are transferred to the designated operation server 200 and then registered, and then the OTID is used to identify and authenticate the merchant having the wireless device, and at the same time, the specific transaction to be settled is automatically identified. Side wireless device 300 transmits the wireless signal for the next transaction before the reverse payment of the specific transaction corresponding to the wireless signal is transmitted after the specific wireless signal is transmitted, the reverse payment is processed asynchronously You can have it.

According to the embodiment of the present invention, the merchant-point-side radio device 300 receives a radio signal of a specified radio signal standard, which is received through a short-range radio section provided in the user radio terminal 400 and recognizable through a designated app, )can do. Preferably, the merchant-side wireless device 300 may transmit a Bluetooth-based asynchronous wireless signal (e.g., a wireless signal that is broadcast on a Bluetooth 4.0 standard or later without specifying a receiver). Alternatively, the merchant-side wireless device 300 may transmit a Wi-Fi-based asynchronous wireless signal. Alternatively, the franchise point wireless device 300 may transmit a wireless signal of the NFC (Near Field Communication) standard. In this case, the franchise point wireless device 300 may be a reader / writer mode, a tag mode, Can operate. Alternatively, the franchise point-side wireless device 300 can transmit a wireless signal conforming to the RFID standard. That is, the franchise-point wireless device 300 of the present invention may be any device that transmits (or broadcasts) a recognizable wireless signal through a wireless signal-related component provided in a user wireless terminal 400 located at a nearby location It should be clear that the present invention is not limited to the apparatus for transmitting a radio signal of a specific radio signal standard belonging to the right scope of the present invention. Meanwhile, according to the embodiment, the merchant-side wireless device 300 may include at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC, RF communication or wired communication means such as USB, RS232, etc.) The present invention is not limited to the above embodiment.

According to an embodiment of the present invention, the merchant-point-side wireless device 300 transmits an OTID to a merchant that is uniquely identified through the OTID (a merchant having a designated wireless device) and a specific transaction uniquely identified for a certain period of time through the OTID The mobile terminal 110 (or designated operating terminal) operated by the merchant having the wireless device can generate the one-time code including the code value of the designated code system in order to authenticate the validity, (For example, a rule for determining a fixed seed value and / or a seed value) for authenticating the validity of a disposable code generated in the wireless device 300, Thereby enabling the merchant-side wireless device 300 to generate a disposable code with the operation server 200 through the merchant-terminal-side terminal 110 / Seed information for authentication can be stored and managed. Preferably, the operation server 200 can map and store the seed information and the unique code, and the operation server 200 may store at least one of merchant registration information, merchant registration information, and terminal information And the seed information can be stored and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code is used as the seed information, the process of registering the separate seed information may be omitted, and thus the present invention is not limited thereto.

In the case of reverse payment based on the wireless device according to the present invention, the merchant-side wireless device 300 includes an input unit 306 for receiving a predetermined transaction amount, (Or the employee) who receives the transaction amount for the reverse payment from the franchisee (or the employee). When the transaction amount is inputted, the merchant-point-side wireless device 300 reads the wireless signal from the designated operating application 420 of the user wireless terminal 400 that receives the wireless signal, The operation app 420 includes information necessary for recognizing / confirming the transaction information, separately identifying and authenticating a franchisee having the wireless device in the operating app 420, and at the same time, And transmits the designated radio signal including the information required for recognizing / confirming the generated OTID to be identified at a specified signal strength (for example, a signal strength reachable up to a predetermined distance).

According to the first transaction amount transmission embodiment of the present invention, the merchant-point-side wireless device 300 receives a predetermined transaction amount through the input unit 306 and transmits a wireless signal including the transaction amount . The operating app 420 of the user wireless terminal 400 receiving the wireless signal reads the wireless signal, recognizes the transaction amount among various kinds of information included in the wireless signal, and stores transaction information including the transaction amount Can be confirmed. Meanwhile, when at least one payment related information (for example, merchant information, transaction date, etc.) necessary for the payment processing is missing in the transaction information, the operating app 420 uses the information set in the application to pay the transaction information Related information required for processing and / or transmits the transaction information including the transaction amount to the designated operation server 200, registers the transaction information, and receives payment related information necessary for the settlement processing from the operation server 200, To the transaction information, or to receive the transaction information including the payment related information.

According to the second transaction amount transmission embodiment of the present invention, the merchant-point-side wireless device 300 stores (for example, merchant information or the like) at least one payment-related information necessary for the payment process, And may transmit a radio signal including the transaction amount and transaction information including the payment related information when a predetermined transaction amount is inputted through the input unit 306. [ The operating app 420 of the user wireless terminal 400 receiving the wireless signal can read the wireless signal and recognize the transaction information among various types of information included in the wireless signal.

According to the embodiment of the present invention, the merchant-point-side wireless device 300 separately identifies the merchant having the wireless device, and at the same time, identifies the merchant that corresponds to the transaction information including the transaction amount input through the input unit 306 (OTID) for generating and / or identifying an OTID (Unique Time Identification) that uniquely identifies a specific transaction for at least a predetermined period of time, and / or transmitting / receiving a radio signal including the OTID and / The operating app 420 may transmit a radio signal including information necessary to generate / confirm the OTID. In other words, the OTID of the present invention can be generated through the wireless device, and the operation of the user wireless terminal 400 based on the information (for example, unique code, etc.) App 420. &lt; / RTI &gt; If the franchise point wireless device 300 can communicate with a predetermined franchise point wireless device 300 provided at the franchisee, the OTID may be generated through the franchise point wireless device 300 and provided to the wireless device 300 , Whereby the present invention is not limited thereto. However, it should be apparent that the present invention is not limited to the embodiment in which the above-mentioned OTID is generated by the above-mentioned affiliate shop-side wireless device 300 for the sake of convenience, but the present invention is not limited thereto.

According to the embodiment of the present invention, the merchant-point-side wireless device 300 can identify a unique code that uniquely identifies a merchant having the wireless device, and can read the unique code only through a predetermined device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the input transaction amount can be generated. That is, the OTID of the present invention has unique identification that uniquely identifies the merchant having the wireless device, and at the same time, the OTID of the present invention has a unique identification that uniquely identifies a specific transaction corresponding to the transaction amount input at a specific time, And has an identifiability.

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

According to the first OTID generation embodiment of the present invention, the merchant-point-side wireless device (300) checks the unique code for separately identifying the merchant having the wireless device and the time information read according to the specified rule, It is possible to generate a disposable OTID that conceals the inherent code by using a specified encoding procedure using the code and time information as at least one parameter of the encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the second OTID generation embodiment of the present invention, the merchant-point-side wireless device 300 confirms a unique code that uniquely identifies a merchant having the wireless device and random number information generated through a specified algorithm, The specific code and the random number information are used as at least one of the parameters of the encoding rule for generating the code value of the designated code system, and a specified encoding procedure is performed, thereby generating a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the third OTID generation embodiment of the present invention, the merchant-point-side wireless device 300 generates a unique code for separately identifying a merchant having the wireless device, time information read according to a specified rule, And performing a specified encoding procedure by using the unique code, the time information, and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system, Of OTIDs. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the fourth OTID generating embodiment of the present invention, the merchant-point-side radio device 300 exchanges key values valid for a predetermined time with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using a key value to generate a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule and the key value and read the unique code hidden in the OTID.

According to the fifth OTID generation embodiment of the present invention, the merchant-point-side wireless device 300 exchanges a designated key value with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using the read-out date information according to a specified rule, thereby generating a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule, the key value, and the date and time information and read the unique code hidden in the OTID.

According to the sixth OTID generation embodiment of the present invention, the merchant-point-side radio 300 is configured to generate at least one of the first to fifth OTID generation embodiments by at least partially combining the at least two embodiments, It is possible to generate a disposable OTID that is hidden, and thus the present invention is not limited thereto.

Meanwhile, according to another embodiment of the present invention, the affiliate shop-side wireless device 300 includes (or hides) a temporary unique code determined not to be duplicated for a predetermined period of time without hiding the unique code, And simultaneously generates a code value type OTID that uniquely identifies a particular transaction corresponding to the transaction amount at least for a predetermined period of time, and thus the present invention is not limited thereto.

When the OTID is generated through at least one of the first to sixth OTID generation embodiments, the franchise point-side radio 300 may transmit a radio signal including the generated OTID. The operating app 420 of the user wireless terminal 400 receiving the wireless signal can read the wireless signal and recognize the OTID among various types of information included in the wireless signal. Meanwhile, when generating the OTID in the operating app 420 of the user wireless terminal 400 that recognizes the wireless signal, the merchant-side wireless device 300 transmits a wireless signal including a unique code to the wireless device And the operating app 420 of the user wireless terminal 400 receiving the wireless signal reads the wireless signal and recognizes the unique code among various information included in the wireless signal, The OTID may be generated through at least one of the sixth OTID generation embodiments, and the generated OTID may be uniquely identified separately from the merchant having the wireless device, and at the same time, During the time, the only unique identifying OTID can be identified.

On the other hand, when seed information for authenticating the one-off code to be generated through the affiliate shop-side wireless device 300 is mapped to the operation server 200, the merchant-point-side wireless device 300 stores one or more At least one dynamic seed value dynamically determined (e.g., a time value corresponding to the current time (or standard time) and / or a value exchanged with the server side authenticating the one-time code, etc.) To the specified code generation algorithm to dynamically generate the one-off code of the specified code system. For example, the one-time code may include code generated dynamically through an algorithm that generates an OTP (One Time Password).

If the disposable code is generated through the wireless device, the merchant-side wireless device 300 can transmit a wireless signal including the generated disposable code. The operating app 420 of the user wireless terminal 400 receiving the wireless signal can read the wireless signal and recognize the disposable code among various information included in the wireless signal.

The operating app 420 of the user wireless terminal 400 that receives the wireless signal transmitted from the franchise point wireless device 300 reads the wireless signal and recognizes / confirms the transaction information including the predetermined transaction amount And identifies / identifies an OTID generated for uniquely identifying a particular transaction corresponding to the transaction amount at least for a predetermined period of time, It is possible to recognize the one-time code dynamically generated through the device. Hereinafter, it will be apparent that the present invention is not limited to the embodiments in which the operating app 420 recognizes / confirms both the OTID, the disposable code and the transaction information for convenience.

The user wireless terminal 400 is a collective term of a wireless terminal having a wireless signal related component capable of receiving a wireless signal transmitted through the affiliated shop wireless device 300 by a user, (400) includes a short range wireless unit that receives a wireless signal transmitted through the affiliate shop wireless device (300), reads data corresponding to the wireless signal received through the short range wireless unit Authenticating the merchant having the transaction information and the wireless device separately, and recognizing / confirming the OTID that uniquely identifies the specific transaction corresponding to the transaction information at least for a predetermined period of time, An operating app 420 for recognizing a disposable code is installed and identified, and an OTID recognized / confirmed through the operating app 420 is identified And a payment application 450 for performing a payment procedure of a specific transaction of a specific merchant to be authenticated can be installed and executed.

The user wireless terminal 400 includes a short range wireless unit that receives a wireless signal transmitted (or broadcasted) through the affiliate shop wireless device 300. The local wireless unit of the user wireless terminal 400 not only receives the wireless signal transmitted (or broadcast) through the affiliated spot wireless device 300, but also transmits the wireless signal that can be received by the affiliated spot wireless device 300 The present invention is not limited thereto.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to send the wireless signal to the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, when the operating app 420 is activated (or activated), the short range wireless unit checks whether the wireless signal is activated to receive the designated wireless signal, and if the short range wireless unit is not activated, Procedure can be performed. Meanwhile, when the local wireless unit of the user wireless terminal 400 is activated or activated, the operating app 420 of the user wireless terminal 400 transmits the activation request to the merchant wireless device 300 And reads out data obtained by digitizing the radio signal transmitted through the franchise point-side radio 300 and received through the near-field radio unit, and transmits the OTID included in the radio signal and the disposable Code and transaction information.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be provided by the user (or with a designated application) before sending the wireless signal from the merchant- May be driven (or activated) by the user wireless terminal 400 and the powered (or activated) operating app 420 may determine whether to send or receive wireless signals to the merchant wireless device 300 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit / receive a wireless signal to / from the affiliated spot wireless device 300 based on the interface screen, the operational app 420 transmits the wireless packet to the affiliated spot wireless device 300 via the local wireless unit, The merchant-side wireless device 300 may transmit a wireless signal including the OTID, the disposable code, and transaction information based on the request signal.

According to the embodiment of the present invention, the request signal may include an identifier for identifying the user wireless terminal 400 (or the operating app 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side wireless device 300 may transmit the wireless signal including the OTID, the disposable code and the transaction information and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the received wireless signal and recognizes the identifier, so that the received wireless signal is transmitted to the merchant wireless device It is possible to recognize that the signal is a radio signal transmitted through the base station 300.

Meanwhile, when the local wireless unit of the user wireless terminal 400 performs bidirectional short distance wireless communication with the merchant wireless device 300, the request signal may request the merchant wireless device 300 to send various specified information including the OTID In this case, the merchant-side radio device 300 may transmit a radio signal including the OTID, the disposable code and the transaction information according to the command.

The operating app 420, which has transmitted the request signal to the merchant wireless device 300 through the short range wireless unit, receives a wireless signal corresponding to the request signal from the merchant wireless device 300 via the short range wireless unit And can read the data obtained by digitizing the received radio signal to recognize the OTID, the disposable code and the transaction information included in the radio signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the wireless signal designated by the affiliated shop-side wireless device 300, (Or activated). The operating app 420 activated (or activated) by receiving the radio signal can read the digitized data of the received radio signal and recognize the OTID, the disposable code, and the transaction information included in the radio signal.

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

When at least one of the first to fourth operational app operation embodiments recognizes the OTID and the disposable code and transaction information included in the wireless signal received from the merchant wireless device 300, 420 transmits the recognized / confirmed transaction information and the OTID to the operation server 200 while communicating with the designated operation server 200 via the designated path. The operating app 420 may transmit the transaction information and the OTID together with the operation server 200, or may sequentially transmit the transaction information and the OTID according to a designated procedure, and thus the present invention is not limited thereto.

The operation server 200 receives the OTID, the disposable code and the transaction information from the specified operating app 420 of the user wireless terminal 400 that has received the wireless signal transmitted from the merchant wireless device 300 do.

On the other hand, when the received transaction information includes information matching with the information registered in the operation server 200, such as the merchant information, the operation server 200 transmits the information included in the received transaction information, The information registered in the server 200 may be compared with each other to confirm that the merchant corresponding to the transaction information is a merchant having the wireless device.

On the other hand, the operating server 200 receiving the OTID can identify and authenticate the OTID by reading the OTID and determining whether the merchant has a wireless device that transmits a radio signal to which the merchant corresponding to the transaction information transmits. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200 to register the transaction information, It is possible to uniquely identify and authenticate the merchant.

Meanwhile, when a disposable code generated by the wireless device is received together with the OTID, the operation server 200 transmits predetermined seed information (for example, seed information mapped to a unique code hidden in OTID, or OTID And authenticates the validity of the disposable code through the verification code generated by using the seed information (or confirms the authentication by requesting authentication through a separate code server) , It can authenticate the validity of transaction information uniquely identified through the OTID and / or through the OTID for a certain period of time.

When the merchant corresponding to the transaction information is identified and authenticated as an affiliated store having a wireless device transmitting a designated radio signal and the validity of the identified affiliated store and / or transaction information is authenticated through the one- The operation server 200 associates the OTID with the transaction information and stores and manages the OTID in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

After storing the OTID and the transaction information in association with the designated storage medium, the operation server 200 provides registration result information including the result of linking the transaction information and the OTID to the operation application 420. Preferably, the registration result information may include the registered transaction information and the OTID that identifies the merchant, and further includes settlement related information (e.g., merchant information, etc.) necessary for the settlement processing of the transaction amount according to the method of operation can do.

The operation application 420 of the user wireless terminal 400 receives the registration result information from the operation server 200 and outputs the transaction information through a designated interface screen on the application screen It is possible to read the radio signal to recognize the transaction information and output it, or to omit the output). On the other hand, the user of the operating app 420 can determine whether to process the transaction information based on the output transaction amount, and to process the transaction information in the interface screen when determining the payment transaction of the transaction information You can tell.

When it is determined by the user to process payment of the transaction information, the operation app 420 confirms the payment processing decision of the transaction information, and determines payment of the transaction information among various apps provided in the user wireless terminal 400 (Or activates) the payment application 450 to be processed and shares the recognized OTID with the payment application 450 that is activated (or activated), and shares the disposable code according to the method. Preferably, the operational application 420 may share the OTID and the disposable code with the payment application 450 in a parameter form of an instruction to activate (or activate) the payment application 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And transmits the OTID and the disposable code to the activated (or activated) payment application 450 in a shared manner.

According to the method of the present invention, the payment app 450 performs a procedure of registering the designated payment means at the time of initial operation after installation in the payment server 105 (or the financial company server issuing the payment means) on the specified payment system And may perform a terminal side settlement procedure (e.g., a procedure for inputting and authenticating a PIN, etc.) for processing settlement of the transaction information through the registered payment means when confirming predetermined transaction information. The payment server 105 performs a server-side payment procedure associated with the terminal-side payment procedure (for example, a process of extracting a registered payment means to approve payment of transaction information or request payment approval to a financial company server) can do.

Meanwhile, the activated (or activated) payment application 450 receives the OTID and the disposable code from the operating app 420 in a shared manner. The payment application 450 can output the transaction information through the designated payment interface set in the application. On the other hand, when the transaction information is not transmitted from the operational application 420, the payment application 450 may not output the transaction information until the transaction information is confirmed, so that the present invention is not limited thereto.

The payment application 450 may transmit the recognition information including the OTID and the disposable code to the authentication server 100 associated with the payment application 450 within the valid time of the OTID, Receives the recognition information including the OTID and the disposable code from the payment application 450 and can relay the received recognition information to the designated operation server 200. [

The operating server 200 receives the identification information including the OTID and the disposable code from the authentication server 100 associated with the payment application 450 of the user wireless terminal 400, It is possible to authenticate the franchisee with the device and to perform an authentication procedure to identify any transaction information uniquely identified through the OTID among the transaction information registered at the identification and authenticated merchant.

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

According to the embodiment of the present invention, the operation server 200 can read the code code of the unique code read from the OTID to confirm whether the unique code is a code that uniquely identifies a franchisee having the specified wireless device.

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the wireless device through a unique code read from the OTID, It is possible to identify and authenticate a franchisee corresponding to a unique code read out from the OTID among the franchisees having the wireless device by confirming that the unique code actually is a unique code that uniquely identifies the franchisee having the wireless device.

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

Meanwhile, when the identification information includes the one-time code and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits information on the affiliate shop corresponding to the identified and authenticated affiliate shop Or a unique code read from the OTID), and based on the seed information, identifies one or more fixed seed values and at least one dynamic seed value (e.g., a time value corresponding to the current time (or standard time) And / or a value exchanged with the server side for authenticating the disposable code) to a designated code generation algorithm to generate a verification code of the specified code system, and compare the one-time code included in the recognition information with the verification code, The validity of the one-off code can be verified. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying an object identified through the OTID (for example, an affiliated store having a wireless device and / Transaction information that is uniquely identified during a certain period of time through OTID among the transaction information, and the like). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

If the merchant corresponding to the unique code read out from the OTID among the merchants having the wireless device is identified and authenticated (or the merchant corresponding to the unique code read from the OTID is identified and authenticated, and the validity of the disposable code is authenticated ), The operation server 200 confirms any transaction information that is uniquely identified for a certain period of time through the OTID among transaction information of the identified and authenticated merchant. According to the method of the present invention, the registered transaction information of the merchant may be a plurality of transactions for a predetermined time, but it is preferable that the transaction information that is uniquely identified for a certain period of time through an OTID is any transaction information, The operation server 200 can confirm any transaction information that is uniquely identified for a certain period of time through the OTID among the transaction registration information of the identified and authenticated merchant.

Authenticating the franchisee having the wireless device through the OTID included in the identification information, and identifying an arbitrary transaction information uniquely identified through the OTID among the transaction information registered at the identification and authenticated merchant And if the authentication procedure for authenticating the disposable code included in the identification information is further performed according to the method of operation, the operation server 200 determines that the identified transaction information (for example, , Information including a transaction amount and merchant information necessary for payment processing) to the authentication server 100. The authentication server 100 delivers the transaction information to the payment application 450, and the payment application 450 receives the transaction information from the authentication server 100.

The payment application 450 that has received the transaction information outputs the transaction information through the designated payment interface screen and performs the terminal-side payment procedure included in the payment application 450 to generate the transaction information (transaction amount) The payment application 450 can process payment of the transaction information in cooperation with the payment server 105 on the payment system. For this, the payment server 105 may perform a server-side payment procedure corresponding to the terminal-side payment procedure performed through the payment application 450.

According to the embodiment of the present invention, the payment application 450 registers the designated payment means in the payment server 105 (or the financial company server issuing the payment means), and when the transaction information is confirmed, (For example, a procedure for inputting and authenticating a PIN) for processing settlement of the transaction information, and may perform transaction based on the transaction information (or the transaction information and the payment means information (Or a payment request identifier including a payment means identifier that identifies the payment means information registered on the server side) to the authentication server 100 or to the designated payment server 105, 105 receives the transaction information (or payment request information) from the payment application 450 (or the designated authentication server 100), and transmits the transaction information (or the payment request information) Payment process can be performed (e.g., by extracting the registered payment method steps, such as requesting payment authorization, authorize, or a bank server for transaction information).

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error), and transmits the confirmed settlement result information to the authentication server (Or payment application 450), and the authentication server 100 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200, The operation server 200 may provide the payment result information to the designated merchant terminal 110. Meanwhile, the payment server 105 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200 according to the embodiment, and thus the present invention is not limited thereto.

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

FIG. 2 illustrates a functional configuration for implementing the operational server 200 shown in FIG. 1. Referring to FIG. 2 and FIG. 3, / RTI &gt; and / or &lt; / RTI &gt; may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG.

The operation server 200 according to the embodiment of the present invention operates in conjunction with the operating app 420 installed in the user wireless terminal 400 and is connected to the payment application 450 installed in the user wireless terminal 400 And can communicate with the affiliate shop terminal 110 having the wireless device in cooperation with the authentication server 100. [ Meanwhile, the operation server 200 can be linked with the payment server 105 on the designated payment system according to the embodiment, and thus the present invention is not limited thereto.

Referring to FIG. 2, the operation server 200 includes a block-chain network (hereinafter, referred to as &quot; block &quot;) that blocks the transaction history details of a specified structure via N (N &gt; = 2) And a block-chain operation unit 285 that interfaces with the block-chain network 115 that implements the block-chain network 115 or implements the block-chain network 115.

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than a server-centralized scheme, a block-chain network 115 in which peers participate is implemented do. The present invention collectively refers to a computer, a device, or a server corresponding to a peer participating in the block-chain network 115 as 'node device 120'.

According to the method of the present invention, the node device 120 on the block-chain network 115 can store the transaction history block, which is constructed based on the block-chain algorithm included in the designated block-chain network 115, A function of collecting transaction history details broadcasted in a block chain network, a function of generating a new block by blocking the collected transaction details of the specified number, and a function of generating at least one hash A Proof-Of-Work (POS), a Proof-of-Stake (POS), a Consensus-By-CBB (CBB) value for validating chain chaining and integrity verification of the generated new block -Bet) or the like, or applying the block-chain verification value to the new block, and providing a verification-target block including the hash value or the block-chain verification value to the other node device 120 A function of verifying the verification target block as a valid block using a hash value or a block chain verification value of a verification target block requested to be agreed from another node device 120, A block chain program that performs a function defined in a block chain algorithm included in the block chain network 115 among the functions of chaining and linking blocks to a transaction history block stored in a designated storage area is installed and executed, It is preferable that all the node devices operating on the same block chain algorithm are installed and executed.

The block-chain operating unit 285 may generate N blocks (N &gt; = 2) of the node devices 120 operating according to a specified block-chain algorithm to generate a new block including a specified number of transaction history details and / A procedure for agreeing the new block as a valid block between the apparatuses 120 is performed to chained and / or a transaction ledger block including (or loading) validated chained blocks through the negotiation process is constructed, 120 and a block-chain network 115 for performing the block-chain process. The block-chain network 115 may be implemented to implement the block-chain process.

According to the first block-chain network 115 embodiment of the present invention, an operator operating the operational server 200 may implement his own block-chain network 115 by self-building N actual node devices 120 , The block chain operating unit 285 interlocks (or controls) the N node devices 120 (or at least one node device) included in the own block-chain network 115, ), And / or chaining the new block to a valid block through an agreement process between the node devices 120, and the new block including the specified number of transaction records (Or loaded) valid block to be distributed and stored in the N node devices 120. [0053] FIG.

According to the second block-chain network 115 of the present invention, the block-chain operating unit 285 may be configured to operate in accordance with software through at least one server (for example, the operating server or a separate virtualization server) The virtual node device 120 may emulate a virtual block chain network 115 including N virtual node devices 120 and may implement N virtual nodes 120 included on the virtual block chain network 115. [ (Or control) device 120 (or at least one node device) to generate a new block containing a specified number of transaction history details according to a specified block chain algorithm applied to the virtual block chain network 115, and / &Quot;, or a process in which the new block is chained to a valid block through an agreement process between the node devices, and the transaction including (or loading) the agreement or chained effective block By configuring the unit block may be operative to store the N distributed virtual node device 120. According to an embodiment of the present invention, the virtual block chain network may include an emulation unit for emulating N virtual node devices 120 and a cloud storage for storing the transaction history block.

According to the third block chain network 115 of the present invention, the operator may construct n (1? N <N) actual node devices 120 to implement their own block chain network 115 (Nn) virtual node devices 120 by emulating software (Nn) virtual node devices 120 through at least one server (for example, the operation server or a separate virtualization server, etc.) Chain block network 115 including N virtual node devices 120 and N virtual node devices 120 implemented by implementing the n virtual node devices 120, (Or convergence) virtual block-chained networks 115 that are connected to each other. The block chain operating unit 285 may be operatively coupled to the n node devices 120 (or at least one node device) and / or (Nn) virtual node devices 120 (or (Or at least one virtual node device) to generate a new block containing a specified number of transaction history details in accordance with a specified block chain algorithm applied to the hybrid block chain network 115 and / 120), the new block is chained to a valid block, and a transaction ledger block including (or loading) the agreed or chained effective block is constructed to form N virtual node devices 120 (for example, n Node apparatuses and (Nn) virtual node apparatuses). According to an embodiment of the present invention, the virtual block-chain network of the complex block-chain network 115 includes an emulation unit for emulating (Nn) virtual node devices and a cloud storage for storing the transaction history block .

According to the fourth block chain network 115 of the present invention, the block chain operating unit 285 may interwork with an external block chain network 115 implemented externally. The block chain operating unit 285 may operate in cooperation with the N node devices 120 (or at least one node device) included on the designated external block chain network 115 to the external block chain network 115 A new block including a specified number of transaction record details is generated or agreed upon by the applied designated block chain algorithm to be distributed and stored in the N node devices 120, can do. According to an embodiment of the present invention, the external block chain network 115 includes a block-chain network 115 implemented for cryptographic transactions, a block-chain network 115 implemented for bank-related ledger management, And at least one block chain network 115 interlocked with the operating server 200 among the block chain networks 115 implemented for the block chain network 115. The block chain network 115, (Or stacked) valid blocks that are chained by creating or agreeing a new block including the details of the transaction history of the structure can be distributedly stored in the N node devices, As shown in FIG.

According to the fifth block-chain network 115 embodiment of the present invention, the block-chain operating unit 285 may at least partially combine at least two of the first through fifth block-chain network embodiments 115 Type block chain network 115, and the present invention covers the scope of the present invention.

According to an embodiment of the present invention, the block-chain network implemented through the first through fifth block-chain networks 115 may include a public block-chain network in which anyone can participate, Private &lt; / RTI &gt; block-chain network that can only participate in peer-only (authenticated) peers. The block-chain algorithm may further include a hybrid block-chain network in which characteristics of the public-block-chain network and the private-block-chain network are partially mixed.

According to an embodiment of the present invention, the block-chain network implemented through the first through fifth block-chain network embodiments may be configured to transmit the new And a block-chain network in which a block is generated and the active node participates in a consensus-required active node as a valid block. Here, the active node is an actual node implemented on the designated block-chain network, or a node operating in an equivalent manner, preferably a block-chain network 115 based on a block-chaining algorithm included in the designated block- A function of collecting transaction history records broadcasted in the block chain network 115, a function of generating a new block by blocking the collected transaction history records of the specified number, A function of generating at least one hash value for chaining the generated new block and generating a valid block chain verification value for chaining and integrity verification of the generated new block, A function of applying a chain verification value, and a function of verifying whether or not the verification target block including the hash value or the block- A function of providing a lock to another node device 120 and requesting the other node device 120 to conclude a valid block, and a function of validating the verification target block using a hash value or a block chain verification value of a verification target block requested to be agreed from another node device 120 Block function and a function of chaining and connecting the verified valid blocks to a transaction history block stored in a designated storage area, can perform a function defined in a block chain algorithm included in the block-chain network 115 .

According to an embodiment of the present invention, a block-chain network implemented through the first through fifth block-chain networks 115 includes a node device 120 associated with the operation server 280 (or the operation server 280) And a block-chain network 115 for joining the validated blocks, which are generated or agreed upon according to a specified block-chaining algorithm, as passive nodes capable of real-time confirmation of chained valid blocks. Here, Nodes that are created or agreed upon on the block-chain network 115 in cooperation with the actual node device 120 implemented on the network 115 and real-time validated chained effective blocks, Storing a transaction history block created on a designated block chain network 115 based on a block chain algorithm in a designated storage area; A function of verifying the block chain validity of the verification target block requested to be concluded based on the block chain verification value included in the verification target block requested to be agreed from the node device 120 on the base block chain network 115; And a function of chaining the valid blocks to the transaction history block stored in the designated storage area and connecting them.

Referring to FIG. 2, the operation server 200 may include at least one of merchant registration information for a merchant having a wireless device, merchant information provided to the merchant for settlement, and terminal information of the merchant terminal 110 And an information storage unit 205 for registering and storing one merchant-related information or registering a unique code that uniquely identifies an affiliated merchant having the wireless device and storing the unique code in association with the affiliated merchant related information.

The franchise shop terminal 110 having the wireless device (or a separate operating terminal or the like) stores merchant registration information on the merchant, merchant information on the merchant for payment, The information storage unit 205 receives at least one of the merchant information from the merchant terminal 110 and inputs the merchant information to the merchant terminal 110. The information storage unit 205 stores at least one of the merchant registration information, And stores the received merchant-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device.

When the merchant terminal 110 (or a separate operating terminal or the like) having the wireless device requests registration of a unique code that uniquely identifies a corresponding merchant, the information storage unit 205 stores the information of the first, Identifying a unique code corresponding to at least one of the first through fourth unique code embodiments of the present invention according to at least one of the sixth unique code identifying embodiments, It can be processed in association with the related information and stored in the designated storage medium.

Meanwhile, when a one-time use code is generated and authenticated during the reverse payment of the merchant having the wireless device, the merchant terminal 110 requests registration of the seed information related to the seed value for generating / authenticating the disposable code, The information storage unit 205 exchanges seed information for confirming / determining the seed value necessary for generating / authenticating the disposable code with the affiliate shop side wireless device 300 via the affiliate shop terminal 110 And stores the exchanged / shared seed information in a designated storage medium. Preferably, the seed information may be stored in association with the unique code, and / or stored in association with the merchant-related information.

Referring to FIG. 2, the operation server 200 reads out the received radio signal from the operating app 420 of the user wireless terminal 400 that has received the wireless signal transmitted from the wireless device of the merchant, A transaction registration receiving unit 210 for receiving the OTID and the disposable code and the transaction information from the operational application 420 through the radio signal when the OTID is transmitted, A unique authentication processing unit (215) for authenticating and authenticating to a merchant having a wireless device reading out and transmitting a radio signal to a merchant corresponding to the transaction information; and a control unit (215) for authenticating the validity of the disposable code A transaction registration management unit 225 for storing the transaction information and the OTID in association with each other, and a registering unit 220 for providing the registration result information in which the transaction information and OTID are registered in association with the transaction information, A registration result providing unit 230 is provided.

Receives a predetermined transaction amount from the affiliate shop wireless device 300 and recognizes / confirms transaction information including the transaction amount in the designated operating application 420 of the user wireless terminal 400 that has received the wireless signal, Identifies a merchant having a wireless device separately and identifies / verifies an OTID generated to uniquely identify a specific transaction corresponding to the transaction amount at least for a predetermined period of time, The user wireless terminal 400 receives the wireless signal transmitted from the affiliate shop-side wireless device 300, when the wireless signal including one or more specified various information for recognizing the generated one-time use code is transmitted. The operating app 420 of the user wireless terminal 400 reads the received radio signal to uniquely identify a merchant having the wireless device and to identify a specific transaction corresponding to the transaction amount at least for a certain period of time And identifies / verifies the transaction information including the transaction amount, and recognizes the one-time use code dynamically generated by the wireless device according to the execution method.

The operating application 420 of the user wireless terminal 400 transmits the OTID and the disposable code and the transaction information that are read / recognized by reading the wireless signal to the designated operation server 200, And receives the OTID, the disposable code, and the transaction information from the application 420.

The unique authentication processing unit 215 compares the information included in the transaction information received through the transaction registration receiving unit 210 with the information registered through the information storage unit 205, It is possible to confirm whether the merchant is equipped with the device.

The inherent authentication processing unit 215 can identify and authenticate the OTID by reading out the OTID and identifying a franchisee having a wireless device that transmits a radio signal to which the franchise corresponding to the transaction information is assigned. The inherent authentication processing unit 215 reads the OTID and reads the inherent code hidden in the OTID. Preferably, the operation server 200 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID.

According to the embodiment of the present invention, the inherent authentication processing unit 215 can read the code system of the unique code read from the OTID to determine whether the unique code is a code that uniquely identifies a franchisee having a specified wireless device .

According to the embodiment of the present invention, the unique authentication processing unit 215 retrieves a unique code of a storage medium storing a unique code of a merchant having the wireless device through a unique code read from the OTID, It is possible to identify and authenticate a franchisee corresponding to a unique code read from the OTID among the franchisees having the wireless device by confirming that the unique code unique to the wireless device is a unique code that uniquely identifies the franchisee with the wireless device.

According to an embodiment of the present invention, the inherent authentication processing unit 215 inquires a storage medium for associating and storing merchant-related information with a unique code of a merchant having the wireless device through a unique code read from the OTID, Related information corresponding to the inherent code read out from the OTID, thereby identifying and authenticating a franchisee corresponding to the unique code read out from the OTID among the franchisees having the wireless device.

On the other hand, when the disposable code is received through the transaction registration receiving unit 210, the code authenticating unit 220 transmits predetermined seed information (for example, seed information mapped to a unique code hidden in OTID, Authenticating the validity of the one-time code (or requesting authentication through a separate code server) through a verification code generated using the seed information, , Thereby validating the validity of the transaction information uniquely identified through the OTID through the merchant and / or the OTID uniquely identified for a certain period of time.

Wherein the merchant corresponding to the transaction information is uniquely identified and authenticated as a merchant having a wireless device through the OTID, and if validity of the merchant and / or transaction information is authenticated through the one-off code according to the method, The management unit 225 stores and manages the transaction information received through the transaction registration receiving unit 210 in association with the OTID in a designated storage medium. Preferably, the OTID includes a validity period that is valid for a predetermined time, and the transaction registration management unit 225 stores and manages the OTID in a storage medium designated to hold the OTID for the valid time of the OTID .

The registration result providing unit 230 configures the registration result information including the registration result in which the transaction information is registered in association with the OTID and registers the transaction information and the OTID in the operating app 420 of the user wireless terminal 400 And provides the registration result information, and the operating app 420 receives the registration result information from the operation server 200. [ Preferably, the registration result information may include an OTID associated with the transaction information, and may further include settlement-related information necessary for settlement processing.

The operating application 420 of the user wireless terminal 400 outputs the transaction information registered in the operation server 200 through the designated interface screen and transmits the transaction information to the user wireless terminal 400 (Or activates) the payment application 450 to process payment of the transaction information among the various applications, and shares the recognized OTID with the payment application 450 that is activated (or activated) One-off code can be shared more. Meanwhile, if the one-time code is transmitted and registered in the process of registering the transaction information, the operating app 420 may not share the disposable code with the payment application 450, It is not limited. Hereinafter, features of the present invention will be described focusing on an embodiment in which the operating app 420 transmits and shares the disposable code to the payment app 450 for convenience.

The activated (or activated) payment application 450 receives the OTID and the disposable code from the operating app 420, configures the OTID and the discovery information including the disposable code, And the authentication server 100 relays the recognition information to the designated operation server 200.

Referring to FIG. 2, the operating server 200 includes an OTID and a disposable code transmitted from the operating app 420, when the payment application 450 that is driven by the user wireless terminal 400 within the valid time of the OTID A recognition information receiver 235 for receiving recognition information including the OTID and the disposable code from the authentication server 100 associated with the payment application 450, An identification / authentication processing unit 240 for performing an authentication procedure of reading and identifying an affiliated shop visited by a user as an affiliated store having the wireless device and performing an authentication procedure of authenticating the disposable code when the identification information includes the one- A transaction registration confirmation unit 245 for performing an authentication procedure for identifying any transaction information uniquely identified through the OTID among the registered transaction information of the identified and authenticated merchant, And a transaction information providing unit (250) for providing the transaction information to the authentication server (100). The transaction information providing unit (250) checks the payment result information of the payment procedure performed using the transaction information, And a payment result processing unit (255) for providing the merchant terminal (110) corresponding to the information to the merchant terminal (110).

When the payment application 450 of the user wireless terminal 400 configures the recognition information including the OTID and the disposable code and transmits the recognition information to the specified authentication server 100, the authentication server 100 transmits the authentication information to the operation server 200 The recognition information receiving unit 235 receives recognition information including the OTID and the disposable code from the authentication server 100. [ In addition, the present invention may further include transaction information that is recognized by the operating app 420 as the recognition information according to the embodiment, and thus the present invention is not limited thereto.

The identification / authentication processing unit 240 reads the OTID included in the recognition information and reads the inherent code hidden in the OTID. Preferably, the identification / authentication processing unit 240 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID. For example, if the OTID is generated through at least one of the first through sixth OTID generation embodiments of the present invention, the identification / authentication processing unit 240 may be configured to perform the first to sixth OTID generation examples The OTID may be read according to a decoding rule corresponding to at least one of the OTIDs, and the inherent code hidden in the OTID may be read.

According to the embodiment of the present invention, the identification / authentication processing unit 240 reads out the code system of the unique code read from the OTID and confirms whether the unique code is a code that uniquely identifies the merchant having the specified wireless device have.

According to the embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the OTID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read out from the OTID to confirm whether the inherent code read from the OTID actually is a unique code that uniquely identifies the affiliated shop having the wireless device, It is possible to identify any one of the franchisees corresponding to the unique code read out from the OTID and authenticate that the identified franchisee is equipped with the wireless device.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the OTID 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 OTID, and confirms the merchant-related information corresponding to the unique code read from the OTID , It is possible to identify any of the franchisees corresponding to the unique code read out from the OTID among the franchisees having the wireless device, and at the same time, authenticate that the identified franchisee is equipped with the wireless device.

Meanwhile, when the identification information received through the recognition information receiving unit 235 includes the disposable code and seed information for authenticating the disposable code is provided to the operation server 200, the identification / authentication processing unit 240 (Or a unique code read out from the OTID) corresponding to the affiliated merchant that is identified and authenticated, and based on the seed information, generates at least one fixed seed value and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying an object identified through the OTID (for example, an affiliated store having a wireless device and / Transaction information that is uniquely identified for a certain period of time through the OTID among the registered transaction information, and the like). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

(Or an affiliate shop corresponding to the unique code read out from the OTID) among the affiliated stores having the wireless device (or corresponding to the unique code read out from the OTID) And the validity of the one-time code is authenticated at the same time when the merchant is authenticated), the transaction registration confirmation unit 245 acquires transaction information uniquely identified through the OTID among the registered transaction information of the identified authenticated merchant .

According to the method of the present invention, the registered transaction information of the merchant may be a plurality of transactions for a predetermined time, but it is preferable that the transaction information that is uniquely identified for a certain period of time through an OTID is any transaction information, The transaction registration confirmation unit 245 can confirm any transaction information that is uniquely identified for a certain period of time through the OTID among the transaction registration information of the identified and authenticated merchant.

Meanwhile, when receiving the transaction information provided by the payment application 450 via the authentication server 100 or receiving the recognition information further including the transaction information from the authentication server 100, The control unit 245 may further perform an authentication procedure for authenticating whether the transaction information of the identified and verified transaction information matches the transaction information of the recognized information, and thus the present invention is not limited thereto.

An authentication procedure for authenticating a franchisee having a wireless device through the OTID, and an authentication procedure for identifying and identifying a transaction information uniquely identified for a predetermined time through the OTID among the registered transaction information of the identified and authenticated merchant The transaction information providing unit 250 identifies any transaction information identified during the authentication procedure and transmits the identification information to the transaction information providing unit 250. [ To the authentication server 100 that has transmitted the authentication information.

The authentication server 100 receives the transaction information from the operation server 200 and relays the transaction information to the payment application 450.

The payment application 450 receives the transaction information from the authentication server 100 and outputs the transaction information through the designated payment interface to perform transaction on the basis of the transaction information (or payment request information To the authentication server 100. The authentication server 100 relays the transaction information (or the settlement request information) to the designated settlement server 105, Side payment process based on the received information (or the payment request information) so that the settlement of the transaction information can be processed. Meanwhile, the payment application 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

The payment server 105 receives the transaction information (or the payment request information) from the payment application 450 (or the authentication server 100), performs a specified server-side payment procedure, (For example, payment approval or settlement error), and provides the confirmed payment result information to the authentication server 100 (or the payment application 450). The authentication server 100 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200. [

The settlement result processing unit 255 receives the settlement result information from the authentication server 100 (or the settlement server 105 or the like) and transmits the settlement result information to the affiliate shop terminal 110 corresponding to the settlement result information Can be provided. Meanwhile, the payment result processing unit 255 can receive the payment result information from the payment application 450 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

Referring to FIG. 2, the operation server 200 confirms the settlement result information that has processed the settlement, and transmits the settlement result information through block-chain algorithm of the block-chain network 115 implemented or interlocked with the block- A transaction history record generation unit 270 for generating a transaction history record including a settlement result of the settlement result information in a block structure that can be chained to a block structure, a block chain algorithm of the block chain network 115, And a block chaining procedure unit (275) for processing the block history of the transaction history to perform a block chaining process of the transaction history. The block chaining management unit (275) manages the history of the transaction to be included in the transaction history block (275).

The transaction history record generation unit 270 checks the payment result information that has processed the payment and identifies the payment history information that is block chained by the block chain algorithm provided in the block chain network 115 implemented or interlocked with the block chain operating unit And generates a transaction record containing the payment result of the settlement result information in the history structure.

According to an exemplary embodiment of the present invention, the transaction history detail generating unit 270 generates M (M? 2) pieces of information included in the payment result information through the block chain operating unit 285, (1 &lt; = m &lt; M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 115. [

According to an exemplary embodiment of the present invention, the transaction history information generating unit 270 generates M (M? 2) pieces of information included in the payment result information through the block chain operating unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history record generating unit 270 generates identification information for uniquely identifying the j pieces of secret information to be identified (e.g., j pieces of identification information for individually identifying j pieces of pieces of private information to be disclosed, or j pieces of pieces of non- Identifies one or more pieces of identification information for collectively identifying information, one or more pieces of identification information for identifying j pieces of private object information, etc.), stores the j pieces of private object information and identification information in a specified management DB And / or confirms j pieces of private information and identification information previously stored in the management DB, which are matched with the confirmed j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction ledger history generation unit 270 generates (mj) pieces of publicly available information among the pieces of information included in the payment result information and the stored / The transaction history can be generated.

According to an exemplary embodiment of the present invention, the transaction history record generation unit 270 generates the transaction record M (M &gt; = 2) from the M &lt; (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-airworthy object information is confirmed, the transaction history information generating unit 270 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, (Mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if it is determined that the j pieces of hidden object information are hashed with the same hash algorithm and matched with the hash information included in the transaction ledger details in the state where j pieces of hidden object information are acquired, J pieces of non-disclosure object information corresponding to &quot; j &quot;

According to an embodiment of the fourth transaction history of the present invention, the transaction history detail generation unit 270 generates M transactions (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-open object information is confirmed, the transaction history information generating unit 270 generates encrypted information that is obtained by encrypting the confirmed j pieces of private object information through a cryptographic method of encrypting only the decrypted key using the designated decryption key (Mj) pieces of publicly available information included in the payment result information, and the generated password information. Meanwhile, the decryption key may include at least one of a key value included in a designated secure area of the operation server, and a private key of a server-side certificate of the operation server.

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

According to the embodiment of the fifth transaction history of the present invention, the transaction ledger history generation unit 270 generates M &lt; 2 &gt; pieces of M (M &gt; = 2) information included in the payment approval result through the block chain management unit 285, (1 &lt; = m &lt; M) pieces of information corresponding to the specified structure that can be block chained by the block chain algorithm provided in the interlocking block chain network 115. [

According to an exemplary embodiment of the present invention, the transaction history record generation unit 270 generates and records the M < 2 &gt; pieces of information included in the payment approval result through the block chain management unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The transaction history record generating unit 270 generates identification information for uniquely identifying the j pieces of secret information to be identified (e.g., j pieces of identification information for individually identifying j pieces of pieces of private information to be disclosed, or j pieces of pieces of non- Identifies one or more pieces of identification information for collectively identifying information, one or more pieces of identification information for identifying j pieces of private object information, etc.), stores the j pieces of private object information and identification information in a specified management DB And / or confirms j pieces of private information and identification information previously stored in the management DB, which are matched with the confirmed j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the transaction history information generating unit 270 generates (mj) pieces of publicly available information and stored / The transaction history can be generated.

According to an embodiment of the present invention, the transaction history record generation unit 270 generates and records the M < 2 &gt; pieces of information included in the payment approval result through the block chain management unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i unassigned object information is confirmed, the transaction ledger history generating unit 270 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, (Mj) pieces of publicly available information and the generated hash information. On the other hand, since the hash algorithm is a one-way function, it is not possible to restore or derive the secret information through the hash information. However, if it is determined that the j pieces of hidden object information are hashed with the same hash algorithm and matched with the hash information included in the transaction ledger details in the state where j pieces of hidden object information are acquired, J pieces of non-disclosure object information corresponding to &quot; j &quot;

According to the eighth transaction history description of the present invention, the transaction account history generating unit 270 generates M < 2 &gt; pieces of M (M &gt; = 2) information included in the payment approval result through the block chain operating unit 285, (1? M? M) pieces of information to be included in the transaction history corresponding to the specified structure that can be block chained by the block chain algorithm included in the interlocking block chain network 115, Confirm j (1? J <m) pieces of non-disclosure information in the information. When the i un-open object information is confirmed, the transaction history information generating unit 270 generates encrypted information that is obtained by encrypting the confirmed j pieces of private object information through a cryptographic method of encrypting only the decrypted key using the designated decryption key (Mj) pieces of publicly available information included in the payment approval result, and the generated password information. Meanwhile, the decryption key may include at least one of a key value provided in a designated security zone of the operation server 200 and a private key of a certificate of the server 200 of the operation server.

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

Meanwhile, when the transaction history details of the specified structure that can be block-chained by the block chain algorithm are generated through the transaction history detail generation unit 270 according to at least one of the first to ninth transaction history details embodiments , And the block lock chain processing unit 275 broadcasts the transaction chain history generated through the transaction history block generating unit 270 to the block chain network 115 that implements and interlocks with the block chain operating unit 285, A block chaining process for constructing a transaction ledger block including (or loading) valid blocks that are chained after a new block including the transaction ledger details is generated or agreed through the node device 120 on the block chain network 115 As shown in FIG.

According to an embodiment of the present invention, the node device 120 on the block-chain network 115 has a function of collecting transaction history details broadcasted to the block-chain network in accordance with a specified block-chain algorithm, A function of generating a new block by blocking the transaction history details, a function of generating at least one hash value for chaining the generated new block, a valid block chain verification for chaining and integrity verification of the generated new block, A function of generating a value or applying the block-chain verification value to the new block, and a function of providing a verification target block including the hash value or the block-chain verification value to the other node device 120 and requesting agreement with a valid block And a hash value or a block chain verification value of the verification target block requested by the other node device 120, And the capability to verify the block as the active block, and performs a function of one or more of the functions for connecting to the valid block chaining the verification is stored in the transaction book block in the specified storage area.

According to the method of the present invention, the block chain algorithm is not used for real-time chaining in transaction unit history units (for example, instead of including the hash value of the previous transaction account details in the current transaction account details) Or a predetermined number or more), and then chained in block units (i.e., the hash value of the previous block connected from the first block is included in the current block and / or the block chain for the hash value of the current block) A predetermined (or predetermined) waiting time is required for a certain transaction record to be blocked or chained in the transaction record block. For example, in some block-chain algorithms, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Meanwhile, according to some block-chain algorithms, a plurality of node devices 120 provided on the block-chain network 115 competitively participates in the process of creating and chaining a block in which the transaction history details are blocked, Since the node device 120 monopolizes the gain generated by the block chain, the node devices 120 first include the transaction history details (for example, transaction history details with high commissions) in which the gain is maximized in the blocks generated by the node devices 120, Transaction history can be excluded or included later. Therefore, in the case of some transaction history details broadcasted to the block chain network 115 (for example, an external block chain network) to which the block chain algorithm is applied, even if a predetermined waiting time for block chaining is set on the corresponding block chain algorithm It may take several hours to several days, a few weeks, or a few months depending on when the node devices 120 provided in the block chain network 115 include the transaction history details in the block. In extreme, May not be included in the transaction ledger block until transaction 115 is closed. In order to solve such a problem, the block lock management unit 280 broadcasts the transaction history to the block-chain network 115 through the block lock-up procedure unit 275, It is preferable to perform a procedure of managing the transaction ledger history to be included in the transaction ledger block effectively while block chaining of the transaction ledger details is being performed.

According to the embodiment of the present invention, the block lock management unit 280 may notify the block chain network 115 of the transaction history details broadcasted through the block lock chain processing unit 275, And confirms the number of transaction history details broadcasted to the block chain network 115 for a specified reference time (e.g., waiting time for blocking or time corresponding to a certain rate of the waiting time). If the number of transaction history details broadcasted to the block chain network 115 is less than a specified reference number (for example, the minimum number required for blocking transaction history details), the block lock management unit 280 determines, It is possible to generate a specified number of dummy transaction history details and to broadcast to the block chain network 115 in order to maintain the number of transaction history details broadcasted to the block chain network 115 to be equal to or greater than the designated reference number. Here, the dummy transaction ledger detail is not a valid transaction ledger corresponding to the actual payment result information, but is used to manage at least one of a time delay, an error, or a security problem due to a defect in some block chain algorithm (i.e., (Or fake) history information so that a new block valid at the time of generating a valid block on the block chain algorithm is generated and validly chained). For example, if the block-chain network 115 is a block-chain network 115 that is self-implementing / virtual in the operator and / or locally used as a block-chain network 115 locally in a particular country / When there is a possibility that more than a specified number of valid payments will not be generated, the block lockout management unit 280 checks the number of transaction history details broadcasted to the block-chain network 115 for a specified reference time, It is possible to generate a specified number of dummy transaction history details so that the number of transaction ledger details broadcasted to the block chain network 115 is maintained to be equal to or greater than the designated reference number and broadcast the generated dummy transaction ledger details to the block chain network 115.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 have. If no new block including the broadcast transaction details is generated within a predetermined time, the block lock management unit 280 may interwork with one or more node devices 120 provided in the block chain network 115, It is possible to intervene in the block chain algorithm executed through the node device 120 to process a new block including the broadcast transaction history details.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 120 (not shown) provided in the block-chain network 115 after the transaction history is broadcasted to the block- A new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 in a predetermined period of time, It can be confirmed that a procedure for negotiation with one or more other node devices 120 provided in the block-chain network 115 is performed. If a new block including the broadcast transaction details is generated within a predetermined time and the agreed procedure is not performed, the block lock management unit 280 deletes one or more node devices (not shown) provided in the block- 120 or intervenes in a block chain algorithm executed through the node device 120 and processes the new block including the broadcast transaction history to be merged.

According to an embodiment of the present invention, the block lock management unit 280 may include at least one node device 120 (not shown) provided in the block-chain network 115 after the transaction history is broadcasted to the block- A transaction history block including (or loading) a valid block including the broadcast transaction details within a predetermined time is inserted into the N node devices 120 provided in the block-chain network 115, Or the like. If a transaction history block including (or loading) the valid blocks generated or agreed including the broadcast transaction details in a predetermined time is distributed to the N node devices 120 provided in the block-chain network 115 The block lock chain management unit 280 may intervene in a block chain algorithm that is interlocked with or executed through the at least one node device 120 provided in the block chain network 115, (Or loaded) valid blocks including the generated or agreed valid blocks including the details of the broadcasted transaction records are distributedly stored in the N node devices 120 provided in the block-chain network 115 have.

Meanwhile, when a transaction ledger block including (or loading) valid blocks including the broadcasted transaction ledger details generated or agreed is stored in the node device 120 provided in the block-chain network 115, The control unit 280 checks the transaction history block stored in the node device 120 of the block chain network 115 in association with the node device 120 provided in the block chain network 115 and stores the transaction history block in a designated block storage area And / or a process of adding (or loading) a valid block generated or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area to update the valid block.

According to an embodiment of the present invention, the block lock management unit 280 includes a transaction history block stored in the node device 120 of the block-chain network 115 or a transaction history block stored / updated in the designated block storage area A verification operation for verifying the validity of the hash values included in each block in order to chain the i (i? 2) blocks that have been subjected to the verification (e.g., an operation for verifying whether the hash value contained in each block is valid and / (Or validity of each block included in the transaction history block) through the operation of verifying the validity of the hash values included in each block through the block chain verification value . In this case, when the validity of the transaction ledger block (or the validity of each block included in the transaction ledger block) is verified, the block lockout managing unit 280 checks the validated transaction ledger block (or the transaction including validated valid blocks) Book block) in the block storage area.

FIG. 3 is a diagram showing the functional configuration of the affiliate shop-side wireless device according to the embodiment of the present invention.

3 is a functional block diagram of a wireless device for transmitting a designated wireless signal to a merchant. Those skilled in the art will be able to refer to FIG. 3 and / or FIG. Various embodiments of the functional configuration of the merchant-side wireless device 300 (for example, some configuration portions may be omitted, or subdivided or combined) may be inferred from the modification, And the technical features thereof are not limited only by the method shown in FIG.

3, the merchant-point wireless device 300 includes a control unit 302, a memory unit 310, an output unit 304, an input unit 306, and a wireless signal unit 308 And a power supply unit (not shown) for power supply. Preferably, the wireless device may be manufactured in various forms such as a card type, a portable type, a stamp type, a stationary type, etc., and may be limited by functions added to the external configuration, It is clear that it is not.

The controller 302 is a collective term for controlling the operation of the wireless device. The controller 302 includes at least one processor and an execution memory, and is connected to each component provided in the wireless device through a bus (BUS) . According to the present invention, the control unit 302 loads at least one program code provided in the wireless device into the execution memory through the processor, and transfers the result to the at least one component through the bus And controls the operation of the wireless device. Hereinafter, a function configuration implemented in the form of program code will be described in the control unit 302 for convenience.

The memory unit 310 is a generic name of a nonvolatile memory included in the wireless device. The memory unit 310 stores at least one program code executed through the controller 302 and at least one data set used by the program code, do. The memory unit 310 basically includes a system program code and a system data set corresponding to the operating system of the wireless device, a communication program code and a communication data set for processing a wireless communication connection of the wireless device, and at least one application program code An application data set, and a program code and a data set corresponding to the program of the present invention are also stored in the memory unit 310.

The output unit 304 includes a screen output unit (e.g., a liquid crystal display (LCD) or the like) and a drive module for driving the output unit 304. The output unit 304 is interlocked with the control unit 302, Through the screen output device.

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

According to the embodiment of the present invention, the input unit 306 includes a numeric key button for inputting at least numerals such as a money amount, and a function key button for processing functions such as completion / cancellation / correction / (Not shown) in which an interface for inputting a transaction amount is displayed through the output unit 304, and the transaction amount inputted through the input unit 306 is input to the control unit 302).

The wireless signal unit 308 is a collective term for transmitting (or broadcasting) a wireless signal of a specified wireless signal standard that can be received through a short range wireless unit included in the user wireless terminal 400, And a function of receiving a designated radio signal. The radio signal unit 308 modulates the information set generated through the controller 302 into a radio signal of a specified radio signal standard and transmits the radio signal with a designated signal strength (for example, a signal strength that can be received through a wireless terminal within a specified distance) (Not shown). Alternatively, the radio signal unit 308 may receive the radio signal of the designated radio signal standard and transmit the acquired data to the control unit 302, and the control unit 302 may perform an information processing procedure corresponding to the data Can be performed.

According to the embodiment of the present invention, the radio signal unit 308 can transmit a Bluetooth-based asynchronous radio signal (for example, a radio signal broadcasted without specifying the receiving side (or without pairing) in the specification after the Bluetooth 4.0) have. Or the wireless signal unit 308 may transmit a Wi-Fi based asynchronous wireless signal. Alternatively, the wireless signal unit 308 may transmit a wireless signal of a NFC (Near Field Communication) standard. In this case, the wireless device may operate in any one of a reader / writer mode, a tag mode, and a passive mode. Alternatively, the radio signal unit 308 can transmit a radio signal of a RFID standard. That is, the radio signal unit 308 is a component that receives (or broadcasts) a recognizable radio signal through a radio signal-related component provided in a user wireless terminal 400 located at a nearby location, The present invention should not be construed as limiting the scope of the present invention to the components for transmitting radio signals of a specific radio signal standard.

Referring to FIG. 3, the wireless device includes an amount input unit 315 (306) for receiving a transaction amount through the input unit 306, and the transaction information including transaction information including the input transaction amount (320).

The money input unit 315 and 306 displays an interface for receiving a transaction amount through the output unit 304 and receives a transaction amount including a combination of numbers through the input unit 306. [ In addition, the wireless device may include a sound unit (not shown) for receiving sound (or sound) in addition to the input unit 306. In this case, the amount input unit 315 (306) And the transaction amount including a combination of numbers can be inputted.

According to an embodiment of the present invention, the memory unit 310 may store at least one payment related information (for example, merchant information, etc.) for a payment process of an affiliated store that receives (or purchases) the wireless device, In this case, the transaction information configuring unit 320 may receive the transaction amount input through the amount input unit 315 and the payment related information (for example, merchant information) stored in the memory unit 310 and / Transaction information including payment related information (e.g., transaction date, etc.) acquired through a timer of the apparatus can be configured.

Referring to FIG. 3, the wireless device separately identifies a merchant having the wireless device, and generates an OTID that uniquely identifies a specific transaction corresponding to the transaction information at least for a predetermined period of time. (= Merchant having a wireless device) identified through the OTID and a code value of a code system designated for authenticating the validity of the transaction information identified during a certain period of time through the OTID And a code generation unit 330 for generating a disposable code.

The OTID generating unit 325 may separately identify a franchisee having the wireless device according to at least one of the first to sixth OTID generating embodiments of the present invention and may also identify a specific transaction corresponding to the transaction amount At least for a certain period of time.

According to an embodiment of the present invention, the memory unit 310 may store unique codes determined to be unique in order to uniquely identify the merchant that receives (or purchases) the wireless device, In this case, the OTID generating unit 325 may store the unique code in advance according to at least one embodiment of the first to sixth OTID generating embodiments of the present invention. It is possible to hide OTIDs that can be read out only through the designated specific device / server and to generate OTIDs having different code values for respective transactions in respective transaction amounts input through the amount input units 315 and 306. [

According to the embodiment of the present invention, the OTID generator 325 identifies a unique code that uniquely identifies a franchisee having the wireless device, and stores the unique code in a hidden state so as to be read only through a specific device / It is possible to generate an OTID of a designated code system generated in a disposable manner so as to have a different code value for each transaction corresponding to each transaction amount. Preferably, the OTID generator 325 may generate a disposable OTID hidden from the unique code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only does it have uniqueness that uniquely identifies a particular object, identifies a specific object, one-time that identifies a specific transaction for a certain period of time, and has multiple identities that simultaneously identify a particular transaction with an affiliate shop having a wireless device through a single code .

Meanwhile, according to another embodiment of the present invention, the OTID generator 325 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the wireless device It is possible to generate an OTID in the form of a code value that uniquely identifies one merchant separately and at the same time uniquely identifies a specific transaction corresponding to the transaction amount at least for a predetermined period of time, and thus the present invention is not limited thereto.

The code generating unit 330 generates a code including a code value of a code system designated for authenticating the validity of the transaction information including the transaction amount and the merchant's point (the merchant having the designated radio device) uniquely identified through the OTID You can generate one-off code.

According to an embodiment of the present invention, the memory unit 310 may store seed information for determining the seed value or the seed value required to generate the disposable code. In this case, the code generation unit 330 One or more fixed seed values identified through the seed information and at least one dynamic seed value (e.g., a time value, etc.) may be substituted into a designated code generation algorithm to generate a disposable code containing a code value of the specified code scheme .

Referring to FIG. 3, the wireless device transmits information for recognizing / confirming transaction information including the inputted transaction amount in the operating app 420 of the user wireless terminal 400 receiving the wireless signal, A transmitting information configuring unit (430) for composing transmitting information including information for recognizing the disposable code in the operating app (420) according to the information for identifying / confirming the OTID in the app (420) And a signal transmission unit 340 for transmitting a radio signal including the transmission information configured through the radio signal unit 308

According to the first transaction amount transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including the transaction amount input through the amount input unit 315 (306). In this case, The operating application 420 of the user wireless terminal 400 recognizing the wireless signal recognizes the transaction amount and constructs the transaction information including the transaction amount.

According to the second transaction amount transmission embodiment of the present invention, the transmission information configuration unit 335 transmits the transaction amount to the transaction information configuration unit 320 using the transaction amount input through the amount input unit 315 (306) In this case, the operating app 420 of the user wireless terminal 400 recognizing the wireless signal can recognize the transaction information configured through the wireless device.

According to the first OTID transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including the OTID generated through the OTID generation unit 325. In this case, The operating app 420 of the recognized user wireless terminal 400 can recognize the OTID generated through the wireless device. On the other hand, when the wireless device is linked with the designated merchant terminal 110 through local communication, the transmission information configuring unit 335 can configure transmission information including the OTID provided from the merchant terminal 110 have.

According to the second OTID transmission embodiment of the present invention, the transmission information configuring unit 335 may configure transmission information including a unique code to be hidden in the OTID. In this case, It is possible to generate the OTID hidden from the inherent code through at least one embodiment of the first to sixth OTID generation embodiments of the present invention after recognizing the inherent code in the operating app 420 of the first embodiment.

Meanwhile, when the one-time code is generated through the code generation unit 330, the transmission information configuration unit 335 may configure the transmission information including the one-time code. In this case, The operating application 420 of the terminal 400 can recognize the disposable code generated through the wireless device.

According to the embodiment of the present invention, the transmission information constructing unit 335 includes transaction amount (or transaction information) according to the first or second transaction amount transmission embodiment, and transmits the first or second OTID transmission According to the embodiment, transmission information including OTID (or unique code) is configured, and transmission information including the disposable code generated through the code generation unit 330 is configured according to the method. Hereinafter, features of the present invention will be described, focusing on an embodiment in which the transmission information composing unit 335 constructs transmission information including OTID, disposable code, and transaction information for convenience, but it should be apparent that the present invention is not limited thereto I will reveal.

When the transmission information of the designated structure to be transmitted from the radio signal is configured through the transmission information configuration unit 335, the signal transmission unit 340 transmits the transmission information including the transmission information through the radio signal unit 308 The radio signal unit 308 processes the radio signal of the designated radio signal standard to be transmitted at a designated signal strength (for example, a signal strength that can be received through a wireless terminal within a specified distance) 340 transmits the radio signal of the specified radio signal standard including the transmission information.

Meanwhile, according to one embodiment of the present invention, the operating application 420 executed in the user wireless terminal 400 can transmit a request signal for requesting the wireless signal, and the wireless signal unit 308 transmits the request And the control unit 302 controls to receive the transaction amount based on the request signal and / or to generate the OTID based on the request signal, And / or control to generate the dispatch information, and / or to send out a radio signal including the dispatch information via the signal dispatcher 340 , The wireless signal corresponding to the request signal may be transmitted, and thus the present invention is not limited thereto.

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

More specifically, FIG. 4 illustrates the functional configuration of the operational application 420 and the payment application 450 installed in the user wireless terminal 400, and the configuration of the wireless terminal. In the technical field of the present invention, It will be appreciated that those skilled in the art will be able to conceive of various embodiments of the wireless terminal functionality by referring to and / or modifying FIG. 4, but the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG. Preferably, the wireless terminal of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

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

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

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one Save and maintain the dataset. The memory unit 418 basically comprises a system program code and a system data set corresponding to an operating system of the wireless terminal 200, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal, The program code and the application data set are stored, and the program code and the data set corresponding to the program of the present invention are also stored in the memory unit 418. [

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

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

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

The short range wireless unit 410 receives a radio signal transmitted (or broadcast) in accordance with a radio signal standard specified in a short distance within a predetermined distance from the constituent units provided in the wireless terminal 400, And preferably includes a function of receiving a radio signal transmitted according to a radio signal standard designated by the affiliate point wireless device 300. [

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

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

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

According to an embodiment of the present invention, the short range wireless unit 410 may include a reader unit for transmitting a radio signal of a RFID standard. In this case, the wireless unit may operate as a tag. In other words, the short range wireless unit 410 can be any component capable of effectively receiving a wireless signal transmitted from the affiliate shop-side wireless device 300, and belongs to the right scope of the present invention. The present invention is not limited to receiving components.

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

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

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

The short-range network communication unit 412 collectively refers to a communication resource for connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal to the communication network based on the communication session, May connect the wireless terminal 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 may be integrated with or separated from the wireless network communication unit. According to the present invention, the short-range network communication unit connects the wireless terminal to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 416 is a collective term for a configuration in which at least one data set is exchanged with a universal subscriber identity module that is mounted or detached from the wireless terminal based on the ISO / IEC 7816 standard, Data sets are exchanged in half-duplex mode via 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 unit, a program code for at least one IC chip, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the wireless terminal, or extracts (or processes) the data set and transmits the program code to the input / output interface Processor.

The control unit 302 of the wireless terminal 400 transmits a designated operating app 420 and a payment app 450 from a designated application providing server (for example, Apple's App Store, etc.) through a data network connectable via the communication resource You can download and install it.

4, the operating app 420 of the mobile terminal includes a signal checking unit 425 for checking a radio signal received from the affiliate point wireless device 300 through the short range wireless unit 410, Reads the radio signal received from the affiliate shop-side wireless device 300, recognizes / confirms transaction information including a predetermined transaction amount, uniquely identifies the affiliate shop having the wireless device, Recognizes / identifies an OTID that uniquely identifies a specific transaction corresponding to transaction information including a transaction amount entered through the transaction for at least a predetermined period of time, and recognizes the disposable code generated by the wireless device A transaction registration unit 435 for transferring OTIDs, disposable codes and transaction information recognized / confirmed through the signal recognition unit 430 to the designated operation server 200 and performing registration processing; (Or activating) the payment application 450 specified at the time of confirming the payment process execution and processing the payment transaction of the transaction identified through the OTID to be performed, And a transaction information display unit 440 for outputting the recognized transaction information through a designated interface screen when the transaction information is recognized through the wireless signal.

The signal confirming unit 425 may receive the radio signal transmitted from the affiliate shop wireless device 300 through the short range wireless unit 410 through at least one of the first through fourth operational app operation embodiments of the present invention. Is received.

If the wireless signal transmitted from the affiliate shop wireless device 300 is received, the signal recognizer 430 reads data corresponding to the wireless signal confirmed through the signal checker 425, The transaction information including the transaction amount entered through the input unit 406 and the transaction information including the transaction amount entered through the input unit 406, Identifies / verifies the OTID that uniquely identifies the corresponding specific transaction for at least a certain period of time, and recognizes the disposable code generated by the wireless device according to the execution method. Hereinafter, the signal recognition unit 430 recognizes / confirms the OTID, the disposable code, and the transaction information included in the wireless signal for convenience, and will be described with reference to the features of the present invention.

When the OTID, disposable code, and transaction information are recognized / confirmed through the signal recognition unit, the transaction registration unit transmits the recognized / confirmed OTID and disposable code and transaction information, and the operation server 200 transmits the OTID, 420 from the OTID and the disposable code and transaction information.

On the other hand, when the received transaction information includes information matching with the information registered in the operation server 200, such as the merchant information, the operation server 200 transmits the information included in the received transaction information, The information registered in the server 200 may be compared with each other to confirm that the merchant corresponding to the transaction information is a merchant having the wireless device.

On the other hand, the operating server 200 receiving the OTID can identify and authenticate the OTID by reading the OTID and determining whether the merchant has a wireless device that transmits a radio signal to which the merchant corresponding to the transaction information transmits. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200 to register the transaction information, It is possible to uniquely identify and authenticate the merchant.

Meanwhile, when a disposable code generated by the wireless device is received together with the OTID, the operation server 200 transmits predetermined seed information (for example, seed information mapped to a unique code hidden in OTID, or OTID And authenticates the validity of the disposable code through the verification code generated by using the seed information (or confirms the authentication by requesting authentication through a separate code server) , It can authenticate the validity of transaction information uniquely identified through the OTID and / or through the OTID for a certain period of time.

When the merchant corresponding to the transaction information is identified and authenticated as an affiliated store having a wireless device transmitting a designated radio signal and the validity of the identified affiliated store and / or transaction information is authenticated through the one- The operation server 200 associates the OTID with the transaction information and stores and manages the OTID in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

After storing the OTID and the transaction information in association with the designated storage medium, the operation server 200 provides the registration result information including the result of linking the transaction information and the OTID to the operation app 420, The registration unit receives the registration result information from the operation server 200.

The transaction information display unit 440 displays the recognized / registered transaction information on the designated interface screen set in the application. The transaction processing unit 445 may read the user's operation on the interface screen and confirm whether the settlement processing for the transaction information is determined to be executed. Meanwhile, even if the transaction information is not displayed, the transaction processing unit 445 displays an interface screen for guiding the user to determine whether or not to execute the payment process by recognizing the OTID, reads the user operation on the interface screen, It can be confirmed whether or not the settlement processing for the information is decided to be executed.

(Or activates) the specified payment application 450 and confirms that the settlement procedure of the transaction identified through OTID is performed at the confirmation of the payment transaction for the transaction to be identified through the OTID (or the transaction information). According to the embodiment of the present invention, the transaction procedure using the transaction information is performed through a designated separate payment application 450. To this end, the transaction processor 445 determines whether the payment application 450 specified in the wireless terminal is installed (Or activates) the payment application 450 installed in the wireless terminal, and executes (or activates) the payment application 450 installed in the wireless terminal (Or after) the OTID and the disposable code, which are recognized through the signal recognition unit 430, to the payment application 450.

4, the payment application 450 of the wireless terminal includes a status checking unit 188 that confirms whether the wireless terminal is driven (or activated) in the wireless terminal and simultaneously operated (or activated) through a designated operating application 420, A shared information verification unit 460 for verifying various information including the OTID shared and delivered from the operational application 420, and a control unit 460 for configuring recognition information including the OTID among the information shared from the operational application 420 A recognition information transmitting unit 465 for transmitting the recognition information to the designated authentication server 100 and the identification information transmitting unit 465 for relaying the recognition information from the authentication server 100 to the designated operation server 200, A transaction information receiving unit 470 for receiving the transaction information from the authentication server 100 when performing the specified authentication procedure based on the transaction information and providing the identified transaction information, doing And a payment procedure processing unit 475.

The state checking unit 455 determines whether the payment application 450 is activated (or activated) in the wireless terminal and at the same time whether the payment application 450 is driven (or activated) through the designated operating application 420 (Or activated) in accordance with the driving (or activation) procedure of FIG. Preferably, when the payment application 450 is activated (or activated) through the operating app 420, information and / or parameters specified from the operating app 420 may be shared, 455 may read the transferred information and / or parameters and confirm that they are driven (or activated) through the operating app 420.

When the payment application 450 is activated (or activated), the shared information verification unit 460 confirms various information including the OTID shared and transmitted from the operational application 420. Preferably, the shared information identifying unit 460 reads the parameter transmitted from the operating app 420 to activate (or activate) the payment app 450, and transmits the OTID shared and transmitted from the operating app 420 A disposable code may be confirmed and / or a communication protocol between processes provided by the operating system of the wireless terminal may be shared with the OTID and the disposable code from the operating application 420.

When the shared OTID and disposable code are confirmed from the operating app 420, the recognition information transmitting unit 465 constructs recognition information including OTID and disposable code recognized through the wireless signal, (100). The authentication server 100 receives the recognition information and relays it to the designated operation server 200. The operation server 200 receives the identification information from the authentication server 100, performs an authentication procedure using the OTID included in the identification information and the disposable code, And provides the transaction information to the authentication server 100. The authentication server 100 receives the transaction information from the operation server 200. [

The authentication server 100 provides transaction information received from the operation server 200 to the payment application 450. The payment procedure processing unit 475 of the payment application 450 receives the transaction information from the authentication server 100, displays the transaction information through a payment interface specified in the application, Can be performed. The settlement request information of the transaction information may be generated through the settlement processing unit 475 through the terminal side settlement procedure.

The settlement processing processor 475 performs a terminal-side settlement procedure for the transaction information, and transmits the transaction information (or settlement request information) to the authentication server 100 in cooperation with the performed terminal-side settlement procedure . The authentication server 100 receives the transaction information (or the payment request information) from the payment procedure processing unit and then relays the transaction information to the designated payment server 105, Request information) can be processed. Meanwhile, the settlement processing processor 475 may directly transmit the transaction information (or the settlement request information) to the settlement server 105 according to an embodiment of the present invention.

The payment server 105 may receive the transaction information (or payment request information) and perform a server-side payment procedure associated with the terminal-side payment procedure performed through the payment application 450.

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure (for example, payment approval or payment error) and transmits the confirmed payment result information to the authentication server 100 The authentication server 100 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200. The payment transaction processing unit 475 may provide the payment result information to the payment server 450, May receive the payment result information from the authentication server 100 and output the payment result information.

FIG. 5 is a flowchart illustrating an information registration process and a block chain network according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates a process of implementing an information registration process for reverse payment using a wireless device provided at an affiliate store and implementing or interlocking a block chain network 115 for block-listing transaction details (See FIG. 5), it is possible to perform the information registration process and the various implementation methods (for example, 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 is not limited to the disclosed embodiments, No.

5, a merchant terminal 110 (or a separate operating terminal) operated by a merchant having a wireless device for transmitting a designated radio signal transmits merchandise registration information for the merchant to the designated operating server 200, (500), the operating server (200) requests registration of at least one merchant-related information among the merchant-point-side terminal (110) 110) (or a separate operating terminal), and stores the registered information in a designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 110 (or the separate operating terminal) of the merchant having the wireless device registers a unique code for separately identifying the merchant having the wireless device with the designated operating 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).

On the other hand, when the merchant having the wireless device generates the one-time code during the reverse payment using the wireless device, the merchant terminal 110 (or another operating terminal) generates seed information (525), and the operating server (200) confirms seed information for confirming / determining a seed value necessary for authenticating the disposable code to be generated during the wireless device-based reverse payment (530). If the seed information is confirmed, the operation server 200 associates the unique code (or merchant-related information) with the seed information and stores it in a designated storage medium (535). Preferably, the merchant terminal 110 (or a separate operating terminal) may store the seed information registered in the operating server 200 in the merchant point-side wireless device 300.

Referring to FIG. 5, the operation server 200 generates a new block including N (N? 2) node devices 120 operating according to a designated block chain algorithm and including a specified number of transaction history details A procedure of negotiating the new block as a valid block between each node device 120 is performed to chain it or a transaction ledger block containing (or loading) chained valid blocks through the negotiation process is transmitted to each node device 120 (E.g., its own block-chain network 115 implemented through N node devices 120 built by the operating company itself), a virtual block-chain network 115 (e.g., (E.g., virtual block chain network 115 implemented by emulating N node devices 120 through at least one operating server), a hybrid block chain network 115 (e.g., n (N n) virtual node devices (120) implemented through at least one server operated by the operator (1? N <N) and a node device (120) At least one block-chain network 115 may be implemented (540). Or N (N? 2) node devices 120 operating in accordance with a specified block chain algorithm may generate a new block containing a specified number of transaction history details, (Or stacked) the valid block that has been chained through the negotiation process, by allocating the new block as a valid block between the node devices 120, Chain network 115 (e.g., a block-chain network 115 implemented for cryptographic transaction, a block-chain network 115 implemented for financial-related ledger management, a block-chain network (At least one external block chain network 115 that can be interlocked with the operation server 200) among the plurality of external block chain networks.

6 is a diagram illustrating a process of transmitting and receiving a radio signal for reverse payment according to an embodiment of the present invention.

In more detail, FIG. 6 is a flowchart illustrating a method of configuring transaction information including the transaction amount when a transaction amount is input in a wireless device of a merchant, generating OTID and a disposable code, and transmitting the OTID, The OTID and the disposable code and the transaction information are read by reading the radio signal from the operating app 420 of the user wireless terminal 400. In this case, It is possible to refer to and / or modify the FIG. 6 to infer various implementations of the wireless signal transmission / recognition process (for example, omitting some steps or changing the order) It should be understood, however, that the present invention includes all such contemplated embodiments, and that the technical features of the present invention, It shall be defined. For example, the transaction information and / or the OTID may be configured / generated based on information recognized through the wireless signal in the operating app 420 of the user wireless terminal 400, Or OTID, in the scope of the present invention.

Referring to FIG. 6, the merchant-side wireless device 300 that transmits a designated wireless signal receives a predetermined transaction amount for reverse payment using the wireless signal (600). If the transaction amount is input, the affiliate shop-side wireless device 300 may configure the transaction information including the input transaction amount (605).

Meanwhile, the wireless device confirms a unique code that uniquely identifies a merchant having the wireless device (610). If a unique code that uniquely identifies a merchant having the wireless device is identified, the wireless device uniquely identifies the merchant having the wireless device by hiding the identified unique code so that it can be read only through the specified device / server And simultaneously generates an OTID that uniquely identifies a specific transaction corresponding to the input transaction amount for at least a predetermined period of time (615). Preferably, the wireless device uniquely identifies the merchant having the wireless device through at least one of the first through sixth OTID generation embodiments of the present invention, and at the same time identifies a particular transaction corresponding to the transaction amount The unique unique identifying OTID may be generated for a period of time (615).

Meanwhile, the wireless device substitutes a seed value, which is determined / determined based on the seed information registered through the procedure shown in FIG. 5, into a designated code generation algorithm, and transmits the seed value to an object identified through the OTID (620) a one-time use code of a specified code system for authenticating the merchant and / or specific transaction information of the merchant having the wireless device.

The wireless device transmits the transmission information including the generated OTID, the one-time use code and the transaction amount as transmission information including the specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) And transmits the radio signal including the transmission information through the radio signal of the designated radio signal standard (630). The radio signal transmitted from the radio device is transmitted to the user wireless terminal 400 .

When the operating app 420 is activated (or activated) (635) by the designated operating application 420 in the user wireless terminal 400, the operating app 420 transmits the charging information to the merchant wireless device 300 (640) whether a radio signal of the designated radio signal standard transmitted through the radio communication terminal is received. If it is confirmed that the wireless signal of the designated wireless signal standard transmitted through the merchant wireless device 300 is received (630), the operating app 420 of the user wireless terminal 400 reads the received wireless signal And recognizes / confirms the OTID and the disposable code and transaction information (645). Preferably, the operating app 420 of the user wireless terminal 400 is connected to the merchant's wireless device 300 through at least one of the first through fourth operating app embodiments of the present invention The wireless signal may be received and read to recognize the OTID and the disposable code and transaction information (645), and the recognized / verified transaction information may be output (650).

7 is a diagram illustrating a transaction information registration process for reverse payment according to an embodiment of the present invention.

More specifically, in FIG. 7, when the operating app 420 of the user wireless terminal 400 reads the radio signal transmitted from the affiliate point wireless device 300 and recognizes the OTID, the disposable code, and the transaction information, 420 and transmits the OTID, the disposable code, and the transaction information to the designated operation server 200 and registers the OTID and the disposable code and transaction information in the designated operation server 200. As a person skilled in the art, 7 may be referred to and / or modified to derive various embodiments of the transaction information registration process (e.g., some steps may be omitted or the order may be changed), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, the operation application 420 of the user wireless terminal 400 that reads the radio signal transmitted from the merchant-side radio 300 through the process of FIG. 6 and recognizes / verifies the OTID, the disposable code, Transmits the recognized / confirmed OTID and disposable code and transaction information to the designated operation server 200 (700), and the operation server 200 receives the OTID and the transaction information from the operational application 420 via the designated path Disposable code and transaction information (705).

The operation server 200 reads the received OTID (for example, decodes the received OTID through a decoding rule corresponding to the encoding rule that generated the OTID), reads the unique code concealed in the OTID 710, (715) an affiliate shop visited by a user of the mobile terminal, that is, an affiliated shop having the wireless device, using the registered information and the read unique code, It is possible to uniquely identify and authenticate with a merchant having a wireless device that transmits a designated wireless signal.

If the merchant having the wireless device is not authenticated through the OTID, the operation server 200 provides the OTID authentication error to the operating application 420 (operation 720) 420 receives the authentication error from the operation server 200 and outputs the authentication error (725).

On the other hand, when the merchant having the wireless device is authenticated and authenticated through the OTID and receives the disposable code from the operating app 420, the operating server 200 reads out the OTID from the OTID (730) confirming the validity of the disposable code by confirming the seed information registered in association with the unique code (or the merchant-related information of the identified and authenticated merchant) and using the confirmed seed information (730) And the validity of the transaction information.

If the validity of the disposable code is not authenticated, the operational server 200 provides an authentication error for the disposable code to the operational application 420 (operation 720) 200) and outputs the authentication error (725).

Meanwhile, when the validity of the merchant / transaction information is authenticated through the OTID, the merchant corresponding to the transaction information is authenticated by the merchant having the wireless device transmitting the designated radio signal and the one-off code, 200 stores the transaction information in association with the OTID (735), forms registration result information of the transaction information with the OTID and provides the result information to the operating app 420 (740), and the operating app 420 Upon receipt of the registration result information from the operation server 200, transaction information registered in the operation server 200 may be output through the designated interface screen (745).

FIG. 8 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.

8 shows an embodiment of an interlocking process between the operating app 420 receiving and recognizing the wireless signal transmitted from the merchant-side wireless device 300 and the designated payment app 450, and FIG. Those skilled in the art will be able to refer and / or modify Figure 8 to illustrate various implementations of the interoperability process between the operational app 420 and the payment app 450 (e.g., , Or an embodiment in which the order is changed). 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. 8, the OTID, the disposable code, and the transaction information recognized / confirmed through the wireless signal received from the merchant wireless device 300 are transmitted to the designated operation server 200, When the transaction information is registered with the OTID, the operating app 420 of the user wireless terminal 400 displays the transaction information on the designated interface screen, and confirms whether the payment process for the transaction information is determined (800). If the settlement process for the transaction information is determined, the operation application 420 checks whether the payment application 450 designated to process the transaction information is installed in the user wireless terminal 400 (805) . If the payment application 450 is not installed in the user wireless terminal 400, the operating application 420 performs a procedure to guide the user wireless terminal 400 to install the payment application 450 (Or activates) the payment application 450 installed in the user wireless terminal 400 when the payment application 450 is installed in the user wireless terminal 400, (Or activates) the wireless signal received from the merchant wireless device 300 to the payment application 450 and shares the recognized OTID with the disposable code and transaction information (815).

If it is confirmed that the payment application 450 installed in the user wireless terminal 400 is activated (or activated) (step 820), the payment application 450 reads the status of the payment application 450, (Or activated) (825). If the payment application 450 is not activated (or activated) (for example, driven (or activated) according to the conventional method) through the operational application 420, A processing procedure may be performed (830). Meanwhile, when the payment app 450 is activated (or activated) through the operating app 420, the payment app 450 checks OTID, disposable code and transaction information shared and delivered from the operating app 420 (835).

9 is a diagram illustrating a process of performing an inverse payment procedure according to an embodiment of the present invention.

In more detail, FIG. 9 shows recognition information including an OTID and a disposable code shared and delivered from the operating application 420 in a payment application 450 driven (or activated) through the process shown in FIG. 8, The authentication server 100 causes the authentication server 100 to perform the authentication procedure corresponding to the recognition information through the designated operation server 200 and then receives the transaction information and transmits the transaction information to the payment application 450, When the application 450 transmits the transaction information (or the payment request information) to the authentication server 100 by performing the terminal side settlement procedure for the transaction information, the payment server 105 specified in the authentication server 100 (Or settlement request information) to be processed by a relay, and it is a person skilled in the art to which the present invention pertains, referring to FIG. 9 and / or modification It is possible to deduce various execution methods (for example, omitting some steps or changing the order) of the above-mentioned settlement procedure. However, the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 9, the payment application 450, which is driven (or activated) through the process shown in FIG. 8 and shared and received OTID and disposable code from the payment application 450, And transmits the recognition information including the OTID and the disposable code to the designated authentication server 100 (900).

The authentication server 100 receives the identification information from the payment application 450 of the user wireless terminal 400 in operation 905 and relays the identification information to the designated operation server 200 in operation 910.

The operation server 200 receives (915) recognition information including the OTID and the disposable code from the authentication server 100 (915), reads the OTID of the recognition information (e.g., reads the OTID of the recognition information including the OTID (Decoding by decoding rule), reads the inherent code hidden in the OTID (920), and then, using the information registered through the process of FIG. 5 and the read unique code, (925) the franchisee visited by the user of the user (i.e., the franchisee having the wireless device).

On the other hand, if the merchant having the wireless device is not authenticated through the OTID included in the identification information, the operation server 200 notifies the authentication server 100 of an authentication error for the OTID included in the identification information (930) and the authentication server 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 and transmits the authentication error to the payment application 450 of the user wireless terminal 400. [ Receives the authentication error and outputs it (940).

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

If the validity of the disposable code is not authenticated, the operation server 200 provides an authentication error for the disposable code included in the identification information to the authentication server 100 (step 930) The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 935. The payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in step 940, .

If the validity of the disposable code of the identification information is authenticated according to the method of operation, the operation server 200 notifies the OTID of at least the schedule (950) any transaction information that is unique and unique during the period of time. If the transaction information identified through the OTID is not confirmed, the operation server 200 can wait for the transaction information to be identified for a certain period of time to be registered through the OTID at the merchant that is uniquely identified through the OTID (955 ).

The operation server 200 checks any transaction information identified during the authentication procedure performed using the recognition information and transmits the identification information to the authentication server 100 that has transmitted the recognition information in operation 960, Receives the transaction information from the operation server 200 and relays the transaction information to the payment application 450 in step 965. The payment application 450 receives the transaction information from the authentication server 100 in step 970, .

The payment application 450 displays the transaction information on the designated payment interface to perform a predetermined terminal side payment procedure 975 and transmits the transaction information corresponding to the terminal side payment procedure to the authentication server 100 And transmits the transaction information (or the payment request information) received from the payment application 450 of the user wireless terminal 400 to the designated payment server 105 (step 980) And requests payment processing (985).

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

FIG. 10 is a flow chart illustrating a process of transmitting payment information (or payment request information) to the payment server 105 through the process of FIG. 9 through FIG. (Or payment request information) in the payment server 105 and confirms the payment result information to the authentication server 100 and provides the payment information 450 to the authentication server 100 And transmits the settlement result information to the server 200. It will be understood by those skilled in the art that the present invention can be implemented by referring to and / It will be appreciated that various implementations of the process (e.g., omitting some of the steps or changing the order) may be inferred, but the present invention encompasses all of the above- The technical features thereof are not limited by the implementation method shown in FIG.

Referring to FIG. 10, when the transaction information (or the payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIGS. 9 to 9, (Or payment request information) to be subjected to settlement processing via the designated path (1000). The payment server 105 performs a predetermined server-side payment procedure for the transaction information (or the payment request information) (1005), and the settlement server 105 performs a payment process for the payment procedure performed for the transaction information The result information is confirmed (1010).

If the settlement result information is confirmed, the settlement server 105 provides the settlement result information to the authentication server 100 in step 1015. The settlement server 105 provides the settlement result information to the settlement server 105, The result information is received (1020), the payment result information is provided to the payment application 450 of the user wireless terminal 400 (1025), and the payment application 450 receives and outputs the payment result information 1030).

Meanwhile, the authentication server 100 provides the payment result information to the designated operation server 200 in operation 1035. The operation server 200 receives the payment result information from the authentication server 100 in operation 1040, The merchant terminal 110 provides the settlement result information to the designated merchant terminal 110, and the merchant terminal 110 receives and outputs the settlement result information in operation 1050.

FIG. 11 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

In more detail, FIG. 11 is a flowchart illustrating a method of generating a transaction history including a settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm, And a process of performing a block chaining process of the generated transaction ledger details through the process 115 of the present invention. If the person skilled in the art is aware of the present invention, (For example, omitting some steps or changing the order) of the transaction management process using the block chain, the present invention may include all the methods of the inferred embodiments And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 11, a block chain network (hereinafter referred to as &quot; block chain network &quot;) for block-chaining transactions details of a specified structure via N (N? 2) node devices 120 operating according to a block- 115 or interworking with the implemented block chain network 115. When the settlement result information is confirmed through the process of FIG. 10, the operation server 200 determines whether or not the block structure (1100) a procedure for generating a transaction history including the settlement result of the settlement result information.

According to an embodiment of the present invention, the operation server 200 may include a M &lt; RTI ID = 0.0 &gt; (M2) &lt; / RTI & (1 &lt; = m &lt; M) pieces of information corresponding to the structure (1100).

According to the embodiment of the second transaction history of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (1100).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) pieces of information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i unassisted object information is confirmed, the operation server 200 generates hash information that unidirectionally hashes the confirmed j pieces of secret information through the designated hash algorithm, and outputs mj ) Disclosable information and the generated hash information (1100).

According to an embodiment of the fourth transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i un-open object information is confirmed, the operation server generates cryptographic information in which the identified j pieces of private object information are encrypted through a cryptographic method in which only the designated decryption key is decryptable, (Mj) pieces of publicly available information included in the transaction history information and the generated password information (1100).

According to an embodiment of the fifth transaction history of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and selects M (M &gt; = 2) (1100) a transaction history record including the specified m (1? M? M) pieces of information corresponding to the designated history structure capable of being block chained by the block chain algorithm of the block chain network.

According to an embodiment of the sixth transaction history of the present invention, the operation server 200 confirms a payment approval result included in the payment result information, and selects one of M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (1100).

According to an embodiment of the seventh transaction ledger of the present invention, the operation server 200 confirms the payment approval result included in the payment result information, and extracts M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 &lt; = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, and mj ) Disclosable information and the generated hash information (1100).

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, (Mj) pieces of publicly available information included in the payment approval result and the generated password information (1100).

According to an embodiment of the present invention, the operation server 200 may perform at least one of the first through eighth transaction history details by at least partially combining the block chain algorithm (1100), and the present invention can also include such an embodiment as a right scope.

When the transaction history details of the specified detail structure capable of block chaining are generated through the block chain algorithm of the designated block chain network 115, the operation server 200 transmits the generated transaction history details to the block chain network 115 And performs a block chaining procedure (1105).

The node device 120 on the block-chain network 115 collects a specified number of transaction history details broadcasted to the block-chain network 115 according to a specified block-chain algorithm (1110). If a specified number of transaction history details are collected, the node device 120 on the block-chain network 115 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 120 A procedure may be performed 1115 to perform a procedure for soliciting a consensus and / or to validate a new block requested to be consensus from another node device 120 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction record is chained, the node device 120 on the block-chain network 115 transmits a transaction ledger block including (or loading) the chained effective block (1120), and stores the configured transaction history block in each node device (120) in a distributed manner (1125).

Meanwhile, the operation server 200 checks 1130 whether the number of transaction details broadcasted to the block-chain network 115 is less than a specified reference number for a specified reference time. If the number of transaction history details broadcasted to the block chain network 115 during the specified reference time is less than the number of designated reference criteria, the operation server 200 broadcasts to the block- The Dummy transaction history record may be generated and broadcasted to the block chain network 115 in order to maintain the number of the transaction record details at or above the designated reference number 1135. On the other hand, when a transaction history history of a specified reference number or more is broadcasted to the block chain network 115 for a specified reference time, the node device 120 on the block chain network 115 notifies the block chain network 115 of the designated number (1110), generates a new block including the collected transaction details of the specified number, and performs a procedure of requesting agreement with a valid block through another node device 120 and / A procedure for verifying the new block requested by the node device 120 and chaining the new block as a valid block is performed 1115 and a transaction ledger block including the chained valid block is constructed 1120, The node device 120 may perform the process of distributing (1125).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 115 and broadcasts the transaction history to the block-chain network 115 in association with the block-chain process of the block-chain network 115 within a predetermined time The transaction history is managed to be effectively block-chained (1140).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115 It is possible to confirm whether a new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 (1140). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 200 may interwork with one or more node devices 120 provided in the block-chain network 115, (Step 1140) to intervene in a block chain algorithm executed through the device 120 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 in a predetermined period of time, It can be confirmed 1140 that a procedure for negotiating with one or more other node devices 120 provided in the chain network 115 is performed. If a new block including the broadcast transaction details is generated within a predetermined time and a consensus process is not performed, the operation server 200 may transmit the new transaction information to the one or more node devices 120 Or intervenes in a block chain algorithm executed through the node device 120 to process a new block including the broadcast transaction history details to be merged (step 1140).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details within a predetermined time is transmitted to N node devices 120 provided in the block- (1140). &Lt; / RTI &gt; If a transaction history block including (or loading) the valid blocks generated or agreed including the broadcast transaction details in a predetermined time is distributed to the N node devices 120 provided in the block-chain network 115 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 120 provided in the block-chain network 115, (Or loaded) valid block including the generated or agreed-upon effective block including the details of the transaction history can be distributedly stored in the N node devices 120 provided in the block-chain network 115 (1140).

Meanwhile, when a transaction ledger block including (or loading) valid blocks including the broadcasted transaction ledger details and generated or agreed is stored in the node device 120 provided in the block-chain network 115, 200 may identify a transaction ledger block stored in the node device 120 of the block-chain network 115 in cooperation with the node device 120 provided in the block-chain network 115, Or a process of adding (or loading) a valid block created or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area and updating the valid block.

According to an embodiment of the present invention, the operation server 200 may store a transaction history block stored in the node device of the block-chain network 115 or a transaction history block stored in the transaction history block stored / a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Or validity of each block included in the transaction history block) through the block chain verification value (for example, an operation of verifying the validity of the hash values included in each block through the block chain verification value) have. In this case, when the validity of the transaction ledger block (or validity of each block included in the transaction ledger block) is verified, the operation server 200 checks the verified transaction ledger block (or the transaction ledger block including validated valid blocks Block) in the block storage area.

100: Authentication server 105: Payment server
110: Merchant side terminal 115: Block Chain Network
120: Node device 200: Operation server
205: information storage unit 210: transaction registration receiver
215: inherent authentication processing unit 220: code authentication unit
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: settlement result processing unit 270: transaction ledger history generating unit
275: Block Chaining Process Unit 280: Block Chain Management Unit
285: block chain operating unit 300: wireless device
310: memory unit 315: amount input unit
320: Transaction information configuring unit 325: OTID generating unit
330: code generation unit 335: transmission information configuration unit
340: Signal transmitter 400: User wireless terminal
410: Short Range Wireless Unit 420: Operational App
425: Signal verification unit 430: Signal recognition unit
435: Transaction register 440: Transaction information display
445: transaction processor 450: payment application
455: status checking unit 460: shared information checking unit
465: recognition information transmitting unit 470: transaction information receiving unit
475: Payment Process Processor

Claims (14)

A method executed by an operation server capable of communicating with a user wireless terminal that has received a designated wireless signal transmitted from another wireless device provided at an affiliate store,
The operating server implements a block-chain network for block-chaining transaction history details of a specified structure through N (N? 2) node devices operating in accordance with a specified block-chain algorithm, Stage 1;
The operating server reads the radio signal from the operating app from a designated operating app of a user wireless terminal that has received a wireless signal transmitted from a nearby wireless device through the wireless device provided at the merchant, An OTID (One Time IDentification) generated to uniquely identify a merchant having the wireless device and uniquely identify a specific transaction corresponding to the transaction information at least for a predetermined period of time, A second step of receiving the first signal;
A third step of the operating server storing the transaction information and the OTID in association with each other;
A fourth step of receiving, from the authentication server associated with the payment application activated in the user wireless terminal, recognition information including the OTID transmitted from the operational application to the payment application within the valid time of the OTID;
The operation server reads the received OTID to uniquely identify the merchant having the wireless device and at the same time authenticates any transaction information uniquely identified through the OTID among the transaction information registered at the identified and authenticated merchant A fifth step of performing a procedure;
A sixth step of the operation server providing the transaction information identified by the authentication server;
A seventh step of confirming the settlement result information in which the operation server processed the settlement and generating a transaction account history including the settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm; And
And processing to perform a block chaining process of the generated transaction ledger details through the block chain network,
Wherein the transaction information is provided to a payment application of the user wireless terminal through the authentication server and is used for a payment procedure performed by the payment application, and the asynchronous reverse payment method based on an application- .
The method of claim 1, wherein the block-
A self-block chain network implemented through N node devices built by an operator operating the operation server,
A virtual block chain network implemented by emulating N node devices through at least one server operated by the operator,
At least one of a composite block-chain network implemented by including n (n < = n &lt; N) node devices built in the operating company and (Nn) virtual node devices emulated through at least one server operated by the operator And a block chain network of the asynchronous reverse payment method.
The method of claim 1, wherein the block-
Block chain network implemented for cryptographic transactions,
In order to manage financial related ledgers,
And at least one outer block chain network capable of interworking with the operation server among the block chain networks implemented for storing information. The asynchronous reverse payment method based on an application interlock using a block device and a wireless device.
4. The method according to claim 2 or 3, wherein the block-
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network in which characteristics of a public block chain network and a private block chain network are partially mixed. The asynchronous reverse payment method based on an application interlock using a wireless device and a block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) generates a new block according to a specified block-chain algorithm and joins the active server as an active node capable of requesting a consensus as a valid block Asynchronous reverse payment method based on application interlocking using wireless device and block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) is created or agreed according to a designated block-chaining algorithm and participated in a passive node capable of real- An asynchronous reverse payment method based on an app linkage using a wireless device and a block chain.
2. The method according to claim 1,
(N &gt; = 2) node devices operating in accordance with a specified block chain algorithm to create a new block including a specified number of transaction history details or to agree the new block as a valid block between each node device Chain or a block chain network for distributing and storing a transaction history block including (or loading) valid blocks that are chained through the above-mentioned consensus process to each node device, And an asynchronous reverse payment method based on an application interlock using a block chain.
The method as claimed in claim 1,
(M &gt; = 2) pieces of information included in the payment result information; and a step of generating a transaction ledger description including m (1 &lt; = m & Asynchronous reverse payment method based on app linkage using.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Matching the identified j pieces of private object information with unique identification information and storing the identified j pieces of private object information in a specified management DB or checking j pieces of private object information and identification information previously stored in the management DB; And
And generating a transaction history including (mj) pieces of publicly available information and the stored / verified identification information included in the payment result information. Based asynchronous reverse payment method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating hash information by unidirectionally hashing the identified j number of pieces of private information through the hash algorithm; And
And generating a transaction record including the (mj) pieces of publicly available information and the generated hash information included in the payment result information. The wireless device of claim 1, Reverse payment method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating cryptographic information by encrypting the identified j pieces of private information to be decrypted by using a cryptosystem for decrypting only the decrypted private key; And
And generating transaction details including (mj) openable information included in the payment result information and the generated password information,
Wherein the decryption key comprises:
A key value included in a designated security zone of the operation server,
And a private key of a server-side certificate of the operating server. The asynchronous reverse payment method of claim 1,
The method as claimed in claim 1,
And transmitting the generated transaction history information to the block-chain network to perform a block chaining process. The asynchronous reverse payment method of claim 10,
13. The method of claim 12,
Confirming whether the number of transaction history details broadcasted to the block chain network for a specified reference time is less than a specified reference number; And
When the number of transaction history records less than the specified reference number is broadcasted to the block chain network for a specified reference time, the number of transaction history details broadcasted to the block chain network during the specified reference time period Further comprising the step of generating a specified number of dummy transaction history details and broadcasting the dummy transaction details to the block chain network.
13. The method of claim 12,
A transaction history block including (or loading) valid blocks generated or agreed including the broadcast transaction details within a predetermined time after broadcasting the transaction history details to a block chain network is transmitted to N The method comprising the steps of: (a) determining whether the wireless device is distributed and stored in the node devices;

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