KR20190083078A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Sound Signal Device and Cryptocurrency - Google Patents

Abstract

The present invention relates to an application-interlinked asynchronous reverse payment method using a sound wave device and a cryptocurrency. The method executed through a management server able to communicate with a wireless terminal of a user includes: a first step of receiving a uniquely generated identification (UGID); a second step of linking and storing transaction information and the UGID; a third step of receiving recognition information including information corresponding to the UGID; a fourth step of conducting an authentication process for confirming transaction information; a fifth step of providing the confirmed transaction information; and a sixth step of confirming the result of a cryptocurrency transaction process conducted through a designated payment server.

Description

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

The present invention can be applied to a mobile communication terminal that reads out the sound wave signal from a designated operating app of a user wireless terminal which is sent from a separate sound wave device provided at an affiliate shop and generates transaction information including a predetermined transaction amount input through the sound wave device, Authenticating the affiliated merchant separately, and recognizing / confirming the generated Unique Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction information, and then mapping the transaction information and the UGID (Or a sound pattern matching a UGID) provided by the operating app via a designated path in a payment application separately driven to the user wireless terminal, the sound wave device is provided through the UGID Authenticating the unique identification of a merchant and identifying the UGID among the transaction information registered in the identified and authenticated merchant And transmits the transaction information to the payment application through a designated path to be processed for payment. When the user wireless terminal requests payment using blockchain-based passwords, As a settlement means.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to overcome the above problems is to provide a mobile wireless terminal which reads out the sound wave signal from a designated operating app of a user wireless terminal which is transmitted from a separate sound wave device provided at an affiliate shop, Authenticating the transaction information including the amount of money and the merchant having the sound wave device separately and recognizing / confirming the generated Unique Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction information, , Mapping information of the transaction information and the UGID is transmitted to the user wireless terminal to transmit identification information including a UGID (or a sound pattern matching UGID) provided from the operating app via a designated path in a payment application separately operated by the user wireless terminal In one case, the merchant having the sound wave device is authenticated by the UGID, and at the same time, And the transaction information is uniquely identified through the UGID among the transaction information registered at the merchant, and the transaction information is provided to the payment application through the designated route to be processed for settlement processing. In the user wireless terminal, the blockchain- The present invention provides an asynchronous reverse payment method based on an application interlock using a sound wave device and a password using a sound wave device that processes the encrypted money as a payment means when payment is requested using the password.

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

The asynchronous reverse payment method based on the application interlocking using the sound wave device and the cipher money according to the present invention is executed through an operation server capable of communicating with the user wireless terminal which receives the specified sound wave signal transmitted from the near side through the separate sound wave device provided at the merchant The operating server reads the sound wave signal from the operating app from a designated operating application of the user wireless terminal that has received the sound wave transmitted from the sound wave device provided at the merchant, based on the recognized information A unique UGID (Unique Generated IDentification) generated to uniquely identify a merchant having the sound wave device and uniquely identify a specific transaction corresponding to the transaction information, A first step of receiving the transaction information and a UGID in association with the transaction information, And a third step of receiving recognition information including information corresponding to a UGID transmitted from the operating server to the payment application from the authentication server associated with the payment application activated in the user wireless terminal by the operation server And the operation server reads the UGID corresponding to the recognition information to uniquely identify the merchant having the sound wave device, and at the same time, identifies one transaction information uniquely identified through the UGID among the transaction information registered in the identification and authenticated merchant (N > = 1) cipher based on a block chain in the user wireless terminal; and a fifth step of providing the transaction information confirmed by the operation server to the authentication server, When confirming the payment request using the n-th (n = 1) n-th cipher currency, confirms the user's cipher account of the n-th cipher currency, A cryptographic currency transaction procedure for transferring the cryptographic unit for payment for payment from the user's cryptographic account of the n-th cryptographic unit to the specified cryptographic unit for payment is performed through the n-block chain network implementing the money And a sixth step of confirming the result of the cipher transaction procedure performed through the designated payment server and a sixth step of providing the cipher-based payment result information for the cipher transaction procedure to the user wireless terminal and the merchant terminal The transaction information is provided to a payment application of the user wireless terminal through the authentication server, and is used in a payment procedure performed in the payment application.

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

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

In an asynchronous reverse payment method based on an application interlocking system using a sound wave device and a cryptographic currency according to the present invention, In a storage area.

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

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

In the asynchronous reverse payment method based on an application interlocking system using a sound wave device and a cryptogram according to the present invention, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, Information of at least one of the adjusted exchange rate information to hedge the loss due to the exchange rate based on the exchange rate information, which is calculated by lowering the value of the n-th cipher currency by a predetermined ratio, And a control unit.

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

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

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

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

In the asynchronous reverse payment method based on an application interlocking system using a sound wave device and a cipher system according to the present invention, when the unauthorized cipher transaction details of the user-side withdrawal related to the nth block-chain network are confirmed, A valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic currency account using at least one of a cryptographic currency unit included in the undisplayed cryptographic currency transaction history and an encrypted currency unit held in the user's cryptographic currency account And performing a password validation authentication procedure including a procedure for authenticating whether or not the user possesses a password.

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

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

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

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

The asynchronous reverse payment method according to the present invention is characterized in that, in the asynchronous reverse payment method based on the application interlocking using the sound wave device and the cryptogram, the seventh step comprises: And providing settlement result information including the result of the password-based settlement approval for the money transaction procedure to the user wireless terminal and the affiliate shop terminal.

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

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
FIG. 3 is a diagram showing a functional configuration of a sound wave device of a franchise point according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process according to an embodiment of the present invention.
6 is a diagram illustrating a process of transmitting and receiving a sound wave 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.
FIG. 11 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.
12 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chain network according to an embodiment of the present invention.
13 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.
FIG. 14 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.
FIG. 15 is a flowchart illustrating a process for confirming a password-based settlement according to an embodiment of the present invention.
FIG. 16 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.
17 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

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

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

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

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

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

1 is a block diagram illustrating the configuration of a mobile terminal 400 according to an embodiment of the present invention. Referring to FIG. 1, the sound wave signal is read from a designated operating app 420 of a user wireless terminal 400, which is transmitted from a separate sound wave device 300, (UGID) generated to separately identify the specific transaction corresponding to the transaction information, and to authenticate the transaction information including the inputted transaction amount and the merchant having the sound wave device 300 separately, The UGID is transmitted to the user wireless terminal 400 via the path specified by the payment application 450 separately operated by the user wireless terminal 400 by mapping the transaction information and the UGID, When transmitting identification information including a UGID (or a sound wave pattern matched with a UGID), the franchisee having the sound wave device 300 is authenticated and authenticated through the UGID, The transaction information is uniquely identified through the UGID among the transaction information registered at the authorized merchant and is provided to the payment application 450 through a designated path for payment processing, The present invention is directed to a system for processing a payment using a ciphertext as a payment means in the case of requesting settlement using a blockchain-based ciphertext, and, as a person skilled in the art to which the present invention pertains, Referring to and / or modified with reference to FIG. 1, it is possible to infer various implementations (for example, some of the components are omitted, or refined, or combined) with respect to the reverse payment providing system using the affiliate store-side sound wave device 300 It should be understood, however, that the present invention includes all such contemplated embodiments, Only not exclusively those technical features.

The system of the present invention includes a predetermined transaction amount, which is provided to a designated franchisee and is input for settlement of the franchisee, uniquely identifies the franchisee, and includes information for uniquely identifying a specific transaction of the franchisee An operating app 420 for recognizing various kinds of information included in the sound wave signal transmitted through the merchant point side sound wave device 300, A billing application 450 for performing a payment procedure for a specific transaction identified through information or installing and communicating with an installable user wireless terminal 400 and a running application 420 of the user wireless terminal 400 and / And an operation server 200 interlocked with an authentication server 100 associated with the payment application 450 of the user wireless terminal 400. The operation server 200 interlocks with the payment application 450 of the user wireless terminal 400, luck A payment server 105 provided on the payment system and performing a server-side payment procedure corresponding to a payment procedure performed through the payment application 450 And may further include a merchant point-side terminal 110 for registering information specified in the operation server 200 according to an embodiment of the present invention. Meanwhile, when the user wireless terminal 400 requests the payment using the blockchain-based cipher system from the user wireless terminal 400, at least one (or two) of the operation server 200 and the payment server 105 The server of the present invention performs a cryptogram transaction procedure for making a payment using the cryptogram as a payment means, and a preferred embodiment thereof will be described with reference to FIG.

The merchant terminal 110 is a collective term for a terminal operated by an affiliated store having a sound wave device 300 for transmitting a specified sound wave signal and is capable of communicating with the operation server 200 through a communication network, Or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 and / or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 have. 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 embodiment of the present invention, the merchant terminal (110) can perform a predetermined information registration procedure for the reverse payment using the sound wave device (300) to the designated operation 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) transmits a designated unique code (for example, a merchant with a sound wave device 300 that transmits a specified sound wave signal And / or a separate unique code that uniquely identifies the merchant-side terminal 110 operated by the merchant with the sound wave device 300, and / A unique code that uniquely identifies the sound wave device 300 that transmits the sound wave signal, and the like), and processes the unique code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the inherent code may include a code value assigned to the merchant, which is determined so as not to be duplicated in order to uniquely identify the merchant having the sound wave device 300 separately. (For example, merchant information such as a merchant's shop number for a (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant shop may be transmitted to the merchant through the sound wave device 300, The unique code is provided with the sound wave device 300 at the merchant point to separately identify the merchant having the sound wave device 300 separately And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 110 of the merchant having the sound wave device 300 . 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 is information provided to identify only the merchant terminal irrespective of whether the corresponding merchant terminal is provided with the sound wave device 300. On the other hand, The unique code includes the sound wave device 300 at an affiliated store so that a unique code value is determined which is not redundantly determined in order to uniquely identify the affiliated store terminal 110 provided at the affiliated store including the sound wave device 300. [ . ≪ / RTI >

According to the third specific code embodiment of the present invention, the inherent code may include a code value that is not redundantly determined to uniquely identify the sound wave device 300 provided at the merchant. In order to uniquely identify the sound wave device 300, the sound wave device 300 provided at the merchant may be assigned a unique code value that is not duplicated. In this case, the code value assigned to the sound wave device 300 may be referred to as a sound wave device The franchisee having the mobile terminal 300 can be used as a unique code that uniquely identifies the franchisee.

According to a fourth inherent code embodiment of the present invention, the inherent code may comprise a code that at least partially combines at least two of the first through third inherent code embodiments, It is not limited. That is, it is evident that the inherent code of the present invention belongs to the scope of the present invention regardless of any code that is not redundantly assigned to uniquely identify the sound wave device 300.

According to the embodiment of the present invention, the affiliated shop terminal 110 (or the information registration terminal used in the affiliated shop) operated by the affiliated shop having the sound wave device 300 transmits the first To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first inherent code checking embodiment of the present invention, the inherent code is displayed on one side of the sound wave device 300 of the merchant point, or includes code values printed on the user's manual of the sound wave device 300, In this case, the franchise owner (or employee) of the merchant who receives (or purchases) the merchant point-side sound wave device 300 receives the code value of the sound wave device 300 through the merchant point terminal 110 And the merchant terminal 110 can confirm the unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-side sound wave device 300 can be supplied (or sold) to a merchant while recording a code value unique to a designated storage area, and the sound wave device 300 The merchant terminal 110 of the franchisee who has received (or purchased) the franchisee's terminal is provided with at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication, A wired communication means, and the like). In this case, the merchant terminal 110 requests / receives a code value recorded in a designated storage area of the sound wave device 300 in conjunction with the merchant-point-side sound wave device 300, You can check your own code.

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 (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale terminal (300) associated with the terminal (110).

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-side sound wave device 300 is a collective term of a device that is installed in / operated in a franchise shop and transmits a sound wave signal of a specified frequency band which is received and recognized by a user wireless terminal 400 in a short distance. Which includes information necessary for recognizing / confirming transaction information including a predetermined transaction amount by reading the sound wave signal from the designated operating app 420 of the operating app 420, And simultaneously transmits a specified sound wave signal including information necessary for recognizing / confirming the generated UGID in order to uniquely identify the specific transaction corresponding to the transaction information.

The present invention is characterized in that the operating app 420 of the user wireless terminal 400 transmits a sound wave signal for recognizing / confirming transaction information and UGID through a separate sound wave device 300 provided at an affiliate shop, The transaction information and the UGID are transmitted to the designated operation server 200 and registered in the transaction server 420, and then the UGID is used to identify and authenticate the merchant having the sound wave device 300, and at the same time, Even if a customer transmits a sound wave signal for the next transaction before the reverse payment of a specific transaction corresponding to the sound wave signal is completed after transmitting the specific sound wave signal from the sound wave device 300, It can have features that are processed asynchronously.

According to the embodiment of the present invention, the franchise point-side sound wave device 300 receives the analogized sound wave signal (for example, the audio frequency domain or the non-audible frequency domain) in a designated frequency domain through a specified sound wave output device The digital information designated by the transmitted sound wave signal may be encoded and transmitted, or the sound wave signal including the designated sound wave pattern may be transmitted.

According to the first sound wave signal transmitting embodiment of the present invention, the franchise point side sound wave device 300 is inputted through the sound wave input part 410 provided in one or more designated user wireless terminals 400, A sound-related signal obtained by encoding the information designated according to the sound-wave encoding rule for encoding the digital information so as to be able to recognize the information encoded in the sound-wave signal read through the designated app installed in the corresponding wireless terminal after being digitized through the sound- Or information encoded in a specified sound wave signal can be encoded and transmitted. Preferably, the sound wave signal may be encoded with a UGID, and one or more designated information may be further encoded, such as at least one code for authenticating an object identified through a UGID according to an implementation method. On the other hand, the sound encoding rule is a rule for encoding a bit stream consisting of '0' and '1' in a sound wave signal (for example, a pseudo noise region of a sound wave signal, (For example, a method of inserting and encoding in a noise region), or a rule for matching a designated frequency (or combination of frequencies) and a designated digit (e.g., a DTMF method or a method of applying the same) , And it is evident that any rule is included in the sound wave encoding rule of the present invention if it is a rule capable of encoding digital information in a sound wave signal.

According to the second sound wave signal transmission embodiment of the present invention, the franchise point side sound wave device 300 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, Related components, and then transmits the sound wave signal including a sound wave pattern that can be read and encoded through a designated application installed in the wireless terminal. For example, the sound wave device 300 can transmit 1 million distinct sound patterns different from each other, and the designated application of the user wireless terminal 400 can transmit 1 million sound waves Patterns can be discriminated and recognized, and the 1 million sound wave patterns include a pattern structure that is matched with a code value of one million different from each other or interpreted as different bit combinations within a specified number of bits (for example, 32 bits) Lt; / RTI > Preferably, the sound wave signal includes a sound wave pattern having a pattern structure interpreted as a combination of bits constituting the UGID, and / or a sound wave pattern corresponding to separate sound wave pattern information matching the UGID The sound wave pattern corresponding to the sound wave pattern ID identifying the sound wave pattern matched with the UGID among the sound wave patterns in the specified number of sound wave patterns included in / .

The franchise point side sound wave device 300 of the present invention can be any device capable of sending a sound wave signal recognizable by the designated application of the user wireless terminal 400 based on at least one or two combinations of the sound wave signal transmission examples And the scope of the present invention is clearly defined. Meanwhile, in accordance with the method of operation, the merchant-side sound wave device 300 includes at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC and RF communication or wired communication means such as USB, RS232, etc.) The present invention is not limited to the above embodiment.

According to the embodiment of the present invention, the merchant-side sound wave device 300 is uniquely identified for a certain period of time through the UGID and an affiliated shop (= a merchant having the specified sound wave device 300) uniquely identified through the UGID A single-use code including a code value of a designated code system can be generated to authenticate the validity of a specific transaction. To this end, the merchant terminal 110 (or designated operation (For example, a rule for determining a fixed seed value and / or a seed value) to authenticate the validity of a disposable code generated by the merchant-side sound wave device 300, The sound wave device 300 of the merchant shop can exchange the operation server 200 and the disposable code 200 via the merchant terminal 110. [ The seed information for generating / authenticating the seed information 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 reverse payment based on the sound wave device 300 according to the present invention, the merchant-side sound wave device 300 includes an input unit 306 for receiving a predetermined transaction amount, and the sound wave device 300 (Or an employee) who possesses (or operates) a predetermined amount of money for reverse payment. When the transaction amount is input, the merchant-side sound wave device 300 reads the sound wave signal from the designated operating app 420 of the user wireless terminal 400 that receives the sound wave signal, The operation app 420 includes information necessary for recognizing / confirming the transaction information, separately identifying and authenticating a franchisee having the sound wave device 300 in the operating app 420, and uniquely identifying a specific transaction corresponding to the transaction information And transmits the specified sound wave signal including the information necessary for recognizing / confirming the generated UGID to the specified signal strength (for example, a signal strength reachable up to a preset distance) in a short distance.

According to the first transaction amount sending embodiment of the present invention, the merchant-side sound wave device 300 receives a predetermined transaction amount through the input unit 306 and can transmit an acoustic wave signal including the transaction amount . The operating app 420 of the user wireless terminal 400 receiving the sound wave signal reads the sound wave signal, recognizes the transaction amount among various kinds of information included in the sound wave 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-side sound wave device 300 stores (for example, merchant information or the like) at least one payment-related information necessary for the payment process or identifies (for example, And may transmit an acoustic wave 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 sound wave signal can read the sound wave signal and recognize the transaction information among various information included in the sound wave signal.

According to the embodiment of the present invention, the merchant-side sound wave device 300 separately identifies the merchant having the sound wave device 300, and at the same time, the transaction information including the transaction amount input through the input unit 306 Generates a UGID (Uniquely Generated IDentification) that uniquely identifies a specific transaction corresponding to the UGID, and sends out the sound wave signal (or the sound wave signal including the sound wave pattern matched with UGID) obtained by encoding the UGID, and / The operating app 420 of the user wireless terminal 400 that has received the sound wave signal may transmit an acoustic wave signal including information necessary for generating / confirming the UGID. That is, the UGID of the present invention can be generated through the sound wave device 300, and the UGID of the present invention can be generated based on the information (for example, unique code, etc.) And may be generated through the operating app 420 of the terminal 400. If the merchant-side sound wave device 300 can communicate with the predetermined merchant-side sound wave device 300 provided at the merchant, the UGID is generated through the merchant-point-side sound wave device 300 and provided to the sound wave device 300 The present invention is not limited thereto. However, for the sake of simplicity, it should be noted that the present invention is not limited to the embodiment in which the UGID is generated by the sound wave device 300 at the merchant point, but the present invention is not limited thereto.

The UGID of the present invention may be generated by an identification means having uniqueness generated uniquely and with an identification that identifies one or more designated objects. Preferably, the UGID of the present invention is created to have uniqueness that is not duplicated, and it is preferable that the UGID of the present invention includes at least one of identifiability that uniquely identifies a merchant having the sound wave device 300 separately and uniqueness that uniquely identifies a specific transaction corresponding to the specific transaction registration information (Or multiple) identifiably identifying the particular transaction corresponding to the particular transaction registration information, while separately identifying the merchant with the sound wave device 300, Complex) identity. The uniqueity of the UGID of the present invention and the distinctive identification of the merchant separately means that the UGID is created to have a unique value not overlapping with at least a plurality of merchants and the unique UGID of the present invention And having an uniqueness that uniquely identifies a particular transaction means that the UGID is created with a unique value that is not duplicated for at least a plurality of transactions. In the meantime, the UGID of the present invention has a unique (uniqueness) unique identity and a unique (unique) identity that uniquely identifies a specific transaction. This means that the UGID is not duplicated for a plurality of merchants, It means that it is created to have a unique value that is not duplicated even for a plurality of transactions of each merchant.

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

According to the method of the present invention, the merchant-side sound wave device 300 confirms a unique code that uniquely identifies a merchant having the corresponding sound wave device 300, and transmits the unique code only through a specific device / The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the input transaction amount can be generated. That is, the UGID of the present invention has a distinctiveness that uniquely identifies a merchant having the sound wave device 300 as its own, and at the same time has a distinctiveness that uniquely identifies a specific transaction corresponding to a transaction amount input at a specific point in time .

According to the first UGID generation embodiment of the present invention, the merchant-side sound wave device 300 confirms the unique code that uniquely identifies the merchant having the sound wave device 300 and the time information read according to the specified rule And generating the UGID hiding the unique code by performing the designated encoding procedure using at least one of the inherent code and the time information as a parameter of the encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the second UGID generation embodiment of the present invention, the merchant-side sound wave device 300 may store a unique code that uniquely identifies a merchant having the sound wave device 300 and random number information generated through a specified algorithm And generates a UGID hiding the inherent code by performing the specified encoding procedure using the inherent code and the random number information as at least one parameter of the encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

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

According to the fourth UGID generation embodiment of the present invention, the merchant-side sound wave device 300 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the UGID concealed from the inherent code, The UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule using a key value to conceal the unique code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule and the key value and read the unique code hidden in the UGID.

According to the fifth UGID generation embodiment of the present invention, the merchant-side sound wave device 300 exchanges a designated key value with a specific device / server from which the unique code is to be read from the UGID concealed from the unique code, A UGID hiding the unique code can be generated by encoding a series of information including the unique code according to a specified encoding rule using the read date information according to a specified rule. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule, key value, and date information, and read the unique code hidden in the UGID.

According to the sixth UGID generation embodiment of the present invention, the franchise point-side sound wave device 300 generates at least one of the first to fifth UGID generation examples by at least partially combining the at least two embodiments, The present invention is not limited thereto.

According to another UGID generation embodiment of the present invention, the merchant-side sound wave device 300 includes (or hides) a temporary unique code determined not to be duplicated for at least a predetermined time even if the unique code is not hidden, 300), and generates a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction amount, and thus the present invention is not limited thereto.

When the UGID is generated through at least one embodiment of the UGID generation, the merchant-side sound wave device 300 generates the sound wave signal (or the sound wave signal including the sound wave pattern matched with the UGID) Can be transmitted. The operating app 420 of the user wireless terminal 400 receiving the sound wave signal can read the sound wave signal and recognize the UGID among various information included in the sound wave signal. Meanwhile, when the UGID is generated by the operating app 420 of the user wireless terminal 400 that recognizes the sound wave signal, the merchant-side sound wave device 300 includes a unique code included in the sound wave device 300 And the operating app 420 of the user wireless terminal 400 receiving the sound wave signal reads the sound wave signal to recognize the unique code among various information included in the sound wave signal, The UGID is generated through at least one of the embodiments of the UGID generation method, and the generated UGID is uniquely identified as the merchant having the sound wave device 300, and at the same time, The UGID can be identified by

On the other hand, when seed information for authenticating the disposable code to be generated through the merchant-side sound wave device 300 is mapped to the operation server 200, the merchant-side sound wave device 300 transmits the 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 sound wave device 300, the merchant-side sound wave device 300 can transmit the sound wave signal including the generated disposable code. The operating app 420 of the user wireless terminal 400 receiving the sound wave signal can read the sound wave signal and recognize the disposable code among various information included in the sound wave signal.

The operating app 420 of the user wireless terminal 400 receiving the sound wave transmitted from the franchise point-side sound wave device 300 reads the sound wave signal and recognizes / confirms the transaction information including the predetermined transaction amount Identifies a merchant having the sound wave device 300 separately, identifies / verifies a generated UGID to uniquely identify a specific transaction corresponding to the transaction amount, and controls the sound wave device 300). ≪ / RTI > Hereinafter, the present invention will be described with reference to embodiments in which the operating app 420 recognizes / confirms both the UGID, the disposable code, and the transaction information for convenience. However, it should be apparent that the present invention is not limited thereto.

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliated store-side sound wave device 300 by a user, (400) comprises a sound wave input unit (410) for receiving sound wave signals transmitted through the sound wave device (300) of the merchant point, and reads data corresponding to the sound wave signals inputted through the sound wave input unit (410) The transaction information including the transaction amount of the transaction information and the merchant having the sound wave device 300 are separately authenticated and authenticated, and the UGID that uniquely identifies the specific transaction corresponding to the transaction information is recognized / confirmed, An operation app 420 for recognizing a disposable code generated by the sound wave device 300 is installed and a UGID identified / verified through the operation app 420 is identified / A payment application 450 for performing a settlement procedure for a particular transaction at a blind spot may be installed and executed.

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliated store-side sound wave device 300 by a user, The operation app 420 is installed and operated to recognize the UGID of the sound wave signal transmitted through the merchant-side sound wave device 300. The operation app 420 uses the UGID recognized by the operation app 420 to calculate a transaction amount And a payment application 450 for performing the payment procedure of the transaction amount can be installed and executed.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal from the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, at the same time that the operating app 420 is activated (or activated), it is checked whether the sound wave input unit 410 of the user wireless terminal 400 is activated to input a specified sound wave signal, and the sound wave input unit 410 And if not activated, a series of procedures for activating the sound wave input unit 410 may be performed. When the sound wave input unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the sound wave input unit 410 through the activated sound wave input unit 410 It is possible to wait for input of the sound wave signal transmitted from the sound wave device 300 of the merchant point and to read the data obtained by digitizing the sound wave signal transmitted through the sound wave device 300 and inputted through the sound wave input part 410 UGID, disposable code and transaction information included in the sound wave signal can be recognized.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal from the merchant- May be driven (or activated) by the user wireless terminal 400 and the operating application 420 may be activated (or activated) to determine whether to transmit or receive sound waves to and from the merchant-side sound wave device 300 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 300 by the user based on the interface screen, the operating application 420 may transmit the sound wave signal to the sound wave outputting unit 408 of the user wireless terminal 400 The merchant-side sound wave device 300 may transmit the request signal requesting the merchant-side sound wave device 300 to transmit the specified sound wave signal, and the merchant-side sound wave device 300 may include the UGID, the disposable code and transaction information based on the request signal It is possible to transmit a sound wave 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 sound wave device 300 may transmit the sound wave signal including the UGID, the disposable code, and 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 inputted sound wave signal and recognizes the identifier, so that the sound wave signal inputted by the operating app 420 of the user wireless terminal 400, It is possible to recognize that the signal is a sound signal transmitted through the speaker 300.

The operating app 420 that has transmitted the request signal to the merchant-side sound wave device 300 receives the sound wave signal corresponding to the request signal from the merchant-point-side sound wave device 300, digitizes the inputted sound wave signal The UGID and the disposable code and the transaction information included in the sound wave signal can be recognized by reading the data.

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

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

If at least one of the first to fourth operational app operation embodiments recognizes the UGID and the disposable code and transaction information included in the sound wave signal input from the sound wave device 300 of the merchant, 420 transmits the recognized / verified transaction information and the UGID 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 UGID together with the operation server 200, or sequentially transmit the transaction information and the UGID according to a designated procedure, thereby not limiting the present invention.

The operating server 200 receives UGID, disposable code and transaction information via a designated path from the designated operating app 420 of the user wireless terminal 400 that has received the sound wave signal transmitted from the merchant's sound wave 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 whether the merchant corresponding to the transaction information is a merchant having the sound wave device 300.

Meanwhile, the operating server 200 receiving the UGID can distinguish the UGID by identifying the merchant having the sound wave device 300 that transmits the sound wave signal designated by the merchant corresponding to the transaction information. For example, the operation server 200 reads the unique code included in the UGID, and compares / inquires the information registered in the operation server 200 to register the transaction information, (300).

Meanwhile, when the disposable code generated by the sound wave device 300 is received together with the UGID, the operation server 200 transmits predetermined seed information (for example, seed information mapped with a unique code hidden in the UGID) , Or seed information corresponding to a unique identification authenticated via a UGID), authenticates the validity of the disposable code through a verification code generated using the seed information (or requests authentication through a separate code server Thereby validating the validity of the transaction information uniquely identified through the UGID and / or through the UGID for a certain period of time.

And a sound wave device (300) for sending out a sound wave signal designated by the merchant corresponding to the transaction information, and the validity of the identified merchant point and / or transaction information is authenticated through the one- The operation server 200 stores and manages the UGID and transaction information in association with the designated storage medium. Preferably, the operation server 200 may store and manage the transaction information and the UGID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the UGID.

After storing the UGID and the transaction 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 UGID to the operation application 420. Preferably, the registration result information may include the registered transaction information and the UGID that identifies the merchant, and further includes payment related information (for example, merchant information, etc.) necessary for payment processing of the transaction amount according to the method 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 out the sound wave signal and 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 UGID with the payment application 450 that is activated (or activated), and shares the disposable code according to the method. Preferably, the operating app 420 may share the UGID and the disposable code with the payment application 450 in the form of a parameter 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 UGID 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 UGID and the disposable code from the operating application 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 identification information including the UGID and the disposable code to the authentication server 100 associated with the payment application 450 within a specified validity time, Receives the recognition information including the UGID and the disposable code from the payment application 450, and can relay the received recognition information to the designated operation server 200. [

The operation server 200 receives the identification information including the UGID and the disposable code from the authentication server 100 associated with the payment application 450 of the user wireless terminal 400 and transmits the recognition information including the UGID and the disposable code to the sound wave It is possible to authenticate the franchisee having the device 300 and to perform an authentication procedure to identify any transaction information uniquely identified through the UGID among the transaction information registered at the identified and authenticated merchant.

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

According to the embodiment of the present invention, the operation server 200 reads the code code of the unique code read out from the UGID, and confirms whether the unique code is a code that uniquely identifies a merchant having the specified sound device 300 .

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the sound wave device 300 through a unique code read from the UGID, Corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 300 by confirming that the unique code read out from the UGID is a unique code that uniquely identifies the affiliated store with the sound wave device 300, Can be identified and authenticated.

According to an embodiment of the present invention, the operation server 200 inquires of a storage medium for associating and storing merchant-related information with a unique code of a merchant having the sound wave device 300 through a unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any of the merchants having the sound wave device 300 corresponding to the unique code read out from the UGID.

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 UGID), and based on the seed information, identifies at least one fixed seed value and at least one dynamic seed value (e.g., a time value corresponding to the current 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 UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 ) Of the transaction information of the merchant, the transaction information being uniquely identified for a predetermined period of time through the UGID, 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.

On the other hand, when an affiliate shop corresponding to a unique code read out from the UGID among the affiliated stores including the sound wave device 300 is identified and authenticated (or when the affiliate shop corresponding to the unique code read from the UGID is identified and authenticated, The operation server 200 confirms any transaction information that is uniquely identified for a certain period of time through the UGID among transaction information of the identified and authenticated merchant. According to the embodiment 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 uniquely identified for a certain period of time through a UGID is any transaction information, The operation server 200 can confirm any transaction information uniquely identified for a predetermined time through the UGID among the transaction registration information of the identified and authenticated merchant.

Authenticates the merchant having the sound wave device 300 through the UGID included in the identification information, and identifies one transaction information uniquely identified through the UGID among the transaction information registered at the identified and authenticated merchant And if the authentication procedure for authenticating the disposable code included in the identification information is performed according to the method of operation, the operation server 200 determines whether the authentication is successful (For example, information including a transaction amount and merchant information necessary for a payment process) 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).

According to an embodiment of the present invention, the payment means may include a real money payment means such as a credit card, a check card, a prepaid card, a cash card, a debit card, a money transfer, etc., Coins, and ideals, or a block chain-based cryptographic currency issued by a financial institution operating a payment server 105 or the like, which manages the operation server 200, An embodiment in which a payment is made using a chain-based encrypted money as a payment means will be described with reference to FIG.

The operation server 200 or the payment server 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 provides the payment result information to the authentication server 100 (or the payment application 450), and the authentication server 100 provides the payment result information to the payment application 450 and / ), And the operation server 200 can 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 > and / or < / RTI > may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG. For the sake of convenience, FIG. 2 illustrates an embodiment of an operation server 200 having a configuration for reverse payment, and an embodiment using the encrypted money as a payment means will be described with reference to FIG. 11 below.

The operation server 200 according to the embodiment of the present invention operates in 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 affiliated store terminal 110 having the sound wave device 300 interlocked 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 an affiliate store registration information for an affiliated store having a sound wave device 300, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among the merchant information, or registering a unique code for separately identifying the merchant having the sound wave device 300 and storing the unique code in association with the merchant- do.

The franchise shop terminal 110 having the sound wave device 300 (or a separate operating terminal, etc.) stores merchant registration information on the merchant, merchant information on the merchant shop for payment, The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 110 when the merchant information is input / And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant store having the sound wave device 300. [

When the merchant terminal 110 (or a separate operating terminal, etc.) having the sound wave device 300 requests registration of a unique code that uniquely identifies the merchant, the information storage unit 205 stores It is possible to identify a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code identifying embodiments, May be processed in association with the merchant-related information and stored in a designated storage medium.

On the other hand, when the one-time use code is generated and authenticated during the reverse payment of the merchant with the sound wave device 300, the merchant terminal 110 transmits seed information related to the seed value for generating / authenticating the one- The information storage unit 205 exchanges seed information for confirming / determining the seed value necessary for generating / authenticating the disposable code with the merchant-side sound wave device 300 via the merchant point-side 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 operating server 200 reads the inputted sound wave signal from the operating app 420 of the user wireless terminal 400 that receives the sound wave signal transmitted from the sound wave device 300 of the merchant A transaction registration receiving unit 210 for receiving UGIDs, disposable codes and transaction information, which are recognized / confirmed through the sound wave signal from the operating application 420, And a sound wave device (300) for reading out the UGID and transmitting the sound wave signal corresponding to the merchant information corresponding to the transaction information; and an unauthorized authentication processing unit (215) A transaction registration management unit 225 for storing the transaction information and the UGID in association with each other, and a registering unit 220 for registering the registration result information in which the transaction information and the UGID are registered in association with the operating app 420 And a registration result providing unit 230 for providing the registration result.

Receives a predetermined transaction amount from the merchant's sound wave device 300, recognizes / confirms transaction information including the transaction amount in the designated operating application 420 of the user wireless terminal 400 that has received the sound wave signal, Recognizes / identifies the generated UGID to uniquely identify the merchant having the sound wave device 300 and uniquely identify the specific transaction corresponding to the transaction amount, and controls the sound wave device 300 The user wireless terminal 400 receives the sound wave signal transmitted from the sound wave device 300 of the merchant point when the sound wave signal including one or more specified various information for recognizing the one-time use code dynamically generated through the wireless communication is transmitted. The operating app 420 of the user wireless terminal 400 reads the inputted sound wave signal to uniquely identify a merchant having the sound wave device 300 and to uniquely identify a specific transaction corresponding to the transaction amount Recognizes / confirms the UGID to be identified, recognizes / verifies the transaction information including the transaction amount, and recognizes the one-time use code dynamically generated by the sound wave device 300 according to the method.

The operating application 420 of the user wireless terminal 400 reads the sound wave signal to the specified operating server 200 and transmits the recognized UGID and disposable code and transaction information. And receives the UGID, 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 or not the shop is equipped with the device 300.

The inherent authentication processing unit 215 can identify and authenticate a franchisee having the sound wave device 300 that reads the UGID and transmits the sound wave signal designated by the franchisee corresponding to the transaction information. The inherent authentication processing unit 215 reads the UGID and reads the inherent code in the UGID. Preferably, the operating server 200 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code concealed in the UGID.

According to the embodiment of the present invention, the unique authentication processing unit 215 reads the code system of the unique code read out from the UGID to identify a unique code for identifying the affiliated member having the sound wave device 300, Can be confirmed.

According to an embodiment of the present invention, the unique authentication processing unit 215 inquires a unique code of a storage medium storing a unique code of a merchant having the sound wave device 300 through a unique code read from the UGID, By confirming that the unique code read out from the UGID is a unique code that uniquely identifies a merchant having the sound wave device 300, it is possible to determine which one of the affiliate stores having the sound wave device 300 corresponding to the unique code read from the UGID The merchant can be identified and authenticated.

According to the embodiment of the present invention, the unique authentication processing unit 215 inquires a storage medium for associating and storing the unique code of the merchant having the sound wave device 300 with the merchant related information through the unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any one of the affiliated merchants equipped with the sound wave device 300 corresponding to the unique code read from the UGID.

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 the UGID, UGID), authenticates the validity of the disposable code (or requests 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 UGID and / or the UGID for a predetermined period of time.

If the merchant corresponding to the transaction information through the UGID is uniquely identified and authenticated as the merchant having the sound wave device 300 and the validity of the merchant and / or transaction information is authenticated through the one- The transaction registration management unit 225 associates transaction information received through the transaction registration receiving unit 210 with a UGID and stores the transaction information in a designated storage medium. Preferably, the UGID includes a valid time that is valid for a predetermined time, and the transaction registration management unit 225 stores and manages the UGID in a storage medium designated to maintain the UGID during the valid time of the UGID .

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 UGID and registers the transaction information and the UGID in the operational application 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 a UGID associated with the transaction information, and may further include settlement related information required 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 app 450 to process payment of the transaction information among the various apps, and transmits the recognized UGID to the activated (or activated) payment app 450, 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 UGID and the disposable code from the operating app 420, configures the UGID and the disposable code, And the authentication server 100 relays the recognition information to the designated operation server 200.

Referring to FIG. 2, the operation server 200 determines whether a payment application 450 that is driven by the user wireless terminal 400 within a specified validity time includes a UGID and a disposable code transmitted from the operating application 420 A recognition information receiving unit 235 for receiving the identification information including the UGID and the disposable code from the authentication server 100 associated with the payment application 450 and reading the received UGID An identification / authentication processing unit for performing an authentication procedure for identifying and authenticating a franchisee visited by a user as a franchisee having the sound wave device 300 and for performing an authentication procedure for authenticating the one-time code if 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 UGID 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 identification information including the UGID and the disposable code and transmits the identification information to the specified authentication server 100, the authentication server 100 transmits the identification information to the operation server 200 The recognition information receiver 235 receives recognition information including the UGID 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 UGID included in the recognition information and reads the unique code concealed in the UGID. Preferably, the identification / authentication processor 240 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code hidden in the UGID. For example, if the UGID is generated through at least one of the UGID generation embodiments of the present invention, the identification / authentication processing unit 240 may perform decoding (decoding) corresponding to at least one of the UGID generation embodiments The UGID can be read according to the rule and the inherent code hidden in the UGID can be read.

According to the embodiment of the present invention, the identification / authentication processing unit 240 reads the code system of the unique code read from the UGID and separately codes the affiliate shop having the sound wave device 300 having the unique code specified therein .

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read from the UGID to confirm whether the inherent code read from the UGID is a unique code that uniquely identifies a franchisee having the sonic device 300, 300) and identifies the franchisee corresponding to the unique code read from the UGID, and authenticates that the sound wave device (300) is provided at the identified franchisee.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, and stores the unique code registered through the information storage unit 205 in association with merchant-related information (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the UGID, and confirms the merchant-related information corresponding to the unique code read from the UGID , It is possible to identify any one of the affiliated stores corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 300 and to certify that the identified acoustic shop 300 is equipped with the affiliated store.

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 UGID) corresponding to the affiliated merchant that is identified and authenticated, identifies seed information associated with the merchant-related information (or the unique code read out from the UGID) corresponding to the identified and authenticated merchant, and identifies one or more fixed seed values and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 The transaction information being uniquely identified for a predetermined period of time through the UGID among the registered transaction information of the merchant having the transaction ID, transaction ID, etc.). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

(Or a unique code read from the UGID) corresponding to the UGID among the affiliated stores having the sound wave device 300 (or the affiliated store corresponding to the UGID , The transaction registration confirmation unit 245 determines whether the one-off code is uniquely identified through the UGID among the registered transaction information of the identified and authenticated merchant, Confirm a transaction information.

According to the embodiment 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 uniquely identified for a certain period of time through a UGID is any transaction information, The transaction registration confirmation unit 245 can confirm any transaction information that is uniquely identified for a predetermined period of time through the UGID 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 the sound wave device 300 through the UGID, and a step of identifying and identifying a transaction information uniquely identified for a predetermined period of time through the UGID among the registered transaction information of the identified and authenticated merchant When the authentication procedure for authenticating the validity of the disposable code is performed according to the execution method, the transaction information providing unit 250 checks any transaction information identified during the authentication procedure And provides the authentication information 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.

3 is a diagram showing a functional configuration of a sound wave device of an affiliated member according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a sound wave device 300 provided at an affiliated point and transmits a designated sound wave signal. Referring to FIG. 3, if the person skilled in the art is familiar with the present invention, (For example, a part of components may be omitted, or a subdivided, or an aggregate implementation method) may be inferred from the functional configuration of the franchise point side acoustic wave device 300, And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

3, the affiliate shop side sound wave device 300 includes a control unit 302, a memory unit 310, an output unit 304, an input unit 306, and an acoustic signal unit 308 And a power supply unit (not shown) for power supply. The sound wave device 300 may be manufactured in various forms such as a card type, a portable type, a stamp type, and a stationary type. In addition to the external shape of the sound wave device 300, It is to be understood that the invention is not limited by the added functions and the like.

The control unit 302 is a general term for controlling the operation of the sound wave device 300 and includes at least one processor and an execution memory. The sound wave device 300 includes components and a bus (not shown) BUS). According to the present invention, the control unit 302 loads at least one program code included in the sound wave device 300 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 300. 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 general term of the nonvolatile memory included in the sound wave device 300 and includes at least one program code executed through the control unit 302 and at least one data set used by the program code And stores it. The memory unit 310 basically comprises a system program code and a system data set corresponding to the operating system of the sound wave device 300, a communication program code and a communication data set for processing a wireless communication connection of the sound wave device 300, One application program code and application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 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 sound wave signal unit 308 is a collective term of a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and capable of digitizing and transmitting a sound wave signal of a specified frequency band. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 308 modulates the information set generated through the controller 302 into a sound wave signal of a designated frequency band and outputs the modulated sound wave signal to the sound wave signal unit 308 in accordance with a predetermined signal strength (for example, It can send out. Alternatively, the sound wave signal unit 308 may receive the sound wave signal of the designated frequency band and transmit the acquired data to the control unit 302. The control unit 302 performs an information processing procedure corresponding to the data can do.

According to the method of the present invention, the sound wave signal unit 308 is configured to convert an analogized sound wave signal of a designated frequency range (for example, an audible frequency range or an audible frequency range, etc.) through a specified sound wave output unit And the sound wave signal may include a sound wave pattern in which designated digital information such as UGID is encoded or matched with UGID. Preferably, the sound wave signal unit 308 can transmit a sound wave signal corresponding to the sound wave signal transmission embodiment of the present invention.

Referring to FIG. 3, the sound wave device 300 includes a money amount input unit 315 for inputting a transaction amount through the input unit 306, and the transaction information including transaction information including the input transaction amount (320).

The amount input unit 315 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 sound wave device 300 may include a sound unit (not shown) for receiving sound (or sound) in addition to the input unit 306. In this case, the sound input unit 315 may receive sound And the transaction amount including a combination of numbers can be inputted.

According to the embodiment of the present invention, the memory unit 310 stores at least one payment related information (for example, merchant information, etc.) for payment processing of an affiliated store that receives (or purchases) the sound wave device 300 In this case, the transaction information configuration unit 320 may receive the transaction amount input through the amount input unit 315 and the payment related information (e.g., merchant information) stored in the memory unit 310 and / Related information (for example, transaction date, etc.) obtained through the timer of the device 300. [

Referring to FIG. 3, the sound wave device 300 separately identifies a merchant having the sound wave device 300, and generates a UGID for uniquely identifying a specific transaction corresponding to the transaction information (= Merchant having the sound wave device 300) identified by the UGID and a code of a designated code system for authenticating the validity of the transaction information identified for a predetermined time through the UGID And a code generating unit 330 for generating a one-time code including the value of the one-time code.

The UGID generating unit 325 may uniquely identify a merchant having the sound wave device 300 according to at least one embodiment of the UGID generating embodiment of the present invention, And generates a UGID that identifies the UGID.

According to the embodiment of the present invention, the memory 310 stores a unique code determined not to be duplicated in order to uniquely distinguish the merchant that receives (or purchases) the sound wave device 300, the sound wave device 300 as a unique In this case, the UGID generator 325 may store the unique code in advance according to at least one embodiment of the UGID generating embodiment of the present invention. The UGID can be read out only through the specified specific device / server and a UGID having a different code value for each transaction can be generated for each transaction amount input through the amount input unit 315. [

According to the embodiment of the present invention, the UGID generator 325 identifies a unique code that uniquely identifies a franchisee having the sound wave device 300, and reads the unique code only through a specified specific device / server It is possible to generate the UGID of the designated code system generated so as to have a different code value for each transaction corresponding to each transaction amount. Preferably, the UGID generator 325 may generate a UGID concealed with the unique code according to at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, according to another embodiment of the present invention, the UGID generator 325 determines a temporary unique code that is not duplicated for a predetermined time without using the unique code, and transmits the temporary unique code to the sound wave device 300 ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction amount can be generated, and thus the present invention is not limited thereto.

The code generation unit 330 generates a code value of a code system designated to authenticate the validity of the transaction information including the transaction amount and the merchant's point (the merchant having the specified sound wave device 300) uniquely identified through the UGID And the like.

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 sound wave device 300 includes information for recognizing / confirming transaction information including the inputted transaction amount in the operating app 420 of the user wireless terminal 400 that has received the sound wave signal And information for recognizing / confirming the UGID in the operational application 420 and information for recognizing the disposable code in the operational application 420 according to the execution method, And a signal transmission unit 340 for transmitting the sound wave signal (or the sound wave signal including the sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 308 do

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. In this case, The operating application 420 of the user wireless terminal 400 recognizes the transaction amount and constructs transaction information including the transaction amount.

According to the second transaction amount transmission embodiment of the present invention, the transmission information configuring unit 335 transmits the transaction information configured through the transaction information configuring unit 320 using the transaction amount inputted through the amount input unit 315, In this case, the operating app 420 of the user wireless terminal 400 recognizing the sound wave signal can recognize the transaction information configured through the sound wave device 300.

According to the first UGID transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including a UGID generated through the UGID generation unit 325. In this case, The UGID generated through the sound wave device 300 can be recognized in the operating app 420 of the recognized user wireless terminal 400. On the other hand, when the sound wave device 300 is associated with the specified merchant terminal 110 through local communication, the transmission information configuring unit 335 transmits transmission information including the UGID provided from the merchant terminal 110 Can be configured.

According to the second UGID transmission embodiment of the present invention, the transmission information configuration unit 335 may configure transmission information including a unique code to be hidden in the UGID. In this case, The UGID generated by recognizing the unique code in the operating app 420 of the UGID 400 may be generated through at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, when a disposable code is generated through the code generation unit 330, the transmission information configuration unit 335 may configure transmission information including the disposable code. In this case, The operating app 420 of the terminal 400 can recognize the disposable code generated through the sound wave device 300. [

According to the embodiment of the present invention, the transmission information configuring unit 335 includes transaction amount (or transaction information) according to the first or second transaction amount transmission embodiment, and transmits the first or second UGID transmission According to the embodiment, transmission information including UGID (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, characteristics of the present invention will be described for the sake of convenience, but the present invention will not be limited to the embodiments in which the transmission information constructing unit 335 constructs transmission information including UGID, disposable code and transaction information. I will reveal.

When the transmission information of the designated structure to be transmitted from the sound wave signal is configured through the transmission information configuration unit 335, the signal transmission unit 340 encodes the transmission information through the sound wave signal unit 308 (Or an acoustic wave signal including a sound wave pattern matched with the transmission information) in a designated frequency band is transmitted in accordance with a designated signal strength (e.g., a signal strength capable of being received through a wireless terminal within a specified distance) The sound wave signal unit 308 transmits a sound wave signal of a specified frequency band including transmission information provided by the signal transmission unit 340 through a predetermined sound wave output unit.

According to an embodiment of the present invention, the operating app 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 308 may transmit the request signal The control unit 302 controls the receiving unit 302 to receive the transaction amount based on the request signal and / or controls the generation and / or generation of the UGID based on the request signal, and / And controlling to generate and / or transmit the outgoing information, and / or to send out a sound wave signal including the transmission information via the signal transmission section 340, by controlling to generate the one-time code, The sound 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 includes a control unit 402, a memory unit 418, a screen output unit 404, a user input unit 406, a sound output unit 408, a sound input unit 410, A communication unit 412, a wireless network communication unit 414, a USIM reader unit 416, and a USIM, and has a battery for power supply.

The controller 402 is a collective term for controlling the operation of the wireless terminal. The controller 402 includes at least one processor and an execution memory, and is connected to each component provided in the wireless terminal through a bus (BUS) . According to the present invention, the control unit 402 loads at least one program code included in the wireless terminal through the processor and loads the program code into the execution memory, and transfers the result to at least one component through the bus And controls the operation of the wireless terminal. 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 generic name of a nonvolatile memory corresponding to a storage resource of the wireless terminal, and includes at least one program code executed through the control unit 402 and at least one data set used by the program code And stores it. The memory unit 418 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal, 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 418.

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

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

The sound wave output unit 408 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 408. The sound wave output unit 408 decodes data corresponding to a sound wave output among various calculation results of the control unit 402, Analog output is output through the output device.

The sound wave input unit 410 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 410. The sound wave input unit 410 digitizes and / or encodes the analog sound wave input through the sound wave input unit, . Preferably, the sound wave signal transmitted through the sound wave device 300 according to the present invention is also input through the sound wave input unit 410, digitized and transmitted to the control unit 402, do.

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

The wireless network communication unit 414 collectively refers to a communication resource for connecting the wireless terminal to a wireless communication network via a base station, and includes an antenna, an RF module, a baseband module, and a signal processing module for transmitting / receiving a radio frequency signal of a specific frequency band And transmits the operation result corresponding to the wireless communication among the various operation results of the controller 402 through the wireless communication network or the data is received through the wireless communication network in connection with the controller 402, (402), and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 414 can connect the wireless terminal to a call network including a call channel and a data channel via a switch, 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 / ≪ / RTI > Meanwhile, according to the intention of the person skilled in the art, the wireless network communication unit 414 may further comprise a portable internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 414. [ That is, the wireless network communication unit 414 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 412 collectively refers to a communication resource 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 the embodiment of the present invention, the short-range network communication unit 412 may be integrated with or separated from the wireless network communication unit 414. According to the present invention, the short-range network communication unit 412 connects the wireless terminal 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 416, a program code for at least one IC chip And an interface circuit connected to the input / output interface for computing the program code for the IC chip or extracting (or processing) the data set according to at least one command transmitted from the wireless terminal, As shown in FIG.

The control unit 402 of the wireless terminal downloads and specifies the operating application 420 and the payment application 450 designated from the designated application providing server (e.g., Apple's App Store, etc.) through a data network connectable through the communication resource .

Referring to FIG. 4, the operating app 420 of the mobile terminal includes a signal check unit 425 for checking the sound wave signal input from the sound wave device 300 through the sound wave input unit 410, The sound wave signal input from the side sound wave device 300 is read to recognize / check the transaction information including the predetermined transaction amount, the franchisee having the sound wave device 300 is uniquely identified, Recognizes / identifies a UGID that uniquely identifies a specific transaction corresponding to the transaction information including the transaction amount input through the signal processing unit 300, and recognizes the disposable code generated by the sound wave device 300 according to the method A transaction registration unit 435 for transmitting UGID, disposable code and transaction information recognized / confirmed through the signal recognition unit 430 to the specified operation server 200 and performing registration processing; Payment processing for transactions And a transaction processing unit (445) for confirming whether or not to execute the transaction, and driving (or activating) the payment application (450) specified at the time of confirming the execution of the payment process and processing the payment transaction of the transaction identified through the UGID to be performed, And a transaction information display unit 440 for outputting the recognized transaction information through the designated interface screen when the transaction information is recognized through the interface screen.

The signal confirmation unit 425 receives the sound wave signal transmitted from the sound wave device 300 through the sound wave input unit 410 through at least one of the first through fourth operating modes of the present invention Check if it is received.

If the sound wave signal transmitted from the franchise point side sound wave device 300 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, The transaction information including the predetermined transaction amount inputted through the input unit 300, identifies the merchant having the sound wave device 300 separately and identifies the transaction amount inputted through the input unit 306, And identifies the UGID that uniquely identifies the specific transaction corresponding to the transaction information including the transaction information, and recognizes the disposable code generated by the sound wave device 300 according to the method. Hereinafter, the signal recognition unit 430 recognizes and confirms the UGID, the disposable code, and the transaction information included in the sound wave signal, for the sake of convenience.

When the UGID, the disposable code and the transaction information are recognized / confirmed through the signal recognition unit 430, the transaction registration unit 435 transmits the recognized / confirmed UGID, the disposable code and transaction information, 200 receives the UGID, disposable code and transaction information from the operating app 420.

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 whether the merchant corresponding to the transaction information is a merchant having the sound wave device 300.

Meanwhile, the operating server 200 receiving the UGID can distinguish the UGID by identifying the merchant having the sound wave device 300 that transmits the sound wave signal designated by the merchant corresponding to the transaction information. For example, the operation server 200 reads the unique code included in the UGID, and compares / inquires the information registered in the operation server 200 to register the transaction information, (300).

Meanwhile, when the disposable code generated by the sound wave device 300 is received together with the UGID, the operation server 200 transmits predetermined seed information (for example, seed information mapped with a unique code hidden in the UGID) , Or seed information corresponding to a unique identification authenticated via a UGID), authenticates the validity of the disposable code through a verification code generated using the seed information (or requests authentication through a separate code server Thereby validating the validity of the transaction information uniquely identified through the UGID and / or through the UGID for a certain period of time.

And a sound wave device (300) for sending out a sound wave signal designated by the merchant corresponding to the transaction information, and the validity of the identified merchant point and / or transaction information is authenticated through the one- The operation server 200 stores and manages the UGID and transaction information in association with the designated storage medium. Preferably, the operation server 200 may store and manage the transaction information and the UGID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the UGID.

After storing the UGID and the transaction 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 UGID to the operation application 420, The registration unit 435 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 UGID, 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 the UGID is performed when confirming the payment processing execution for the transaction to be identified through the UGID (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 UGID and the UGID recognized through the signal recognition unit 430, preferably, the UGID and the disposable code are shared.

4, the payment application 450 of the wireless terminal includes a status checking unit 455 that confirms whether the wireless terminal is driven (or activated) in the wireless terminal and simultaneously operated (or activated) through the designated operating application 420, A shared information verification unit 460 for verifying various information including the UGID shared and transmitted from the operating app 420, and a UGID (or a sound wave matching UGID) And an authentication information transmitting unit 465 for transmitting the authentication information to the specified operation server 200 through the authentication server 100. The authentication server 100 transmits the identification information to the specified authentication server 100, A transaction information receiver (470) for receiving the transaction information from the authentication server (100) when the operation server (200) performs a specified authentication process based on the recognition information and provides any one of the identified transaction information, The transaction information And a payment processing process 475 to perform a payment process using the same.

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 app 450 is activated (or activated), the shared information verification unit 460 confirms various information including the UGID shared and transmitted from the operating app 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 UGID shared and transmitted from the operating app 420 The UGID and the disposable code can be shared and received from the operational application 420 based on the inter-process communication protocol provided by the operating system of the wireless terminal and / or the disposable code.

When the UGID and the one-time code transmitted from the operating app 420 are confirmed, the recognition information transmitting unit 465 constructs recognition information including the UGID and the one-time code recognized through the sound wave 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 a specified authentication procedure using the UGID and the one-time code included in the identification information, 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 transaction processing unit 475 and relays the transaction information to the designated payment server 105, (Or settlement 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 diagram illustrating an information registration process according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates an example of an information registration process for reverse payment using a sound wave device 300 provided at an affiliate shop. As a person skilled in the art, It is possible to refer to and / or modify FIG. 5 to derive various implementations of the information registration process (e.g., omitting some steps or changing the order), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

5, a merchant terminal 110 (or a separate operating terminal) operated by an affiliated store having a sound wave device 300 that transmits a specified sound wave signal transmits a designated operation server 200 to a merchant store (500), the operation server (200) requests registration of at least one merchant related information among registration information, merchant information given to the merchant for settlement, and terminal information provided at the merchant terminal (110) Side terminal 110 (or a separate operating terminal) to register and store the information on the 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 sound wave device 300 transmits a unique code for uniquely identifying the merchant having the sound wave device 300 to the designated operating server 200 The operation server 200 requests registration of at least one of the first to fourth inherent code embodiments of the present invention according to at least one of the first to sixth inherent code checking embodiments of the present invention A unique code corresponding to one embodiment is identified (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

On the other hand, in the case where a merchant having the sound wave device 300 generates a disposable code during reverse payment using the sound wave device 300, the merchant terminal 110 (or another operating terminal) generates the disposable code (525), the operating server (200) transmits a seed value for confirming / determining a seed value necessary for authenticating a disposable code to be generated during the reverse payment based on the sound wave device (300) The information is confirmed (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 sound wave device 300.

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

In more detail, FIG. 6 shows transaction information including the transaction amount when the transaction amount is inputted in the sound wave device 300 provided at the merchant, generates the UGID and the disposable code, and then transmits the UGID, the disposable code, The method for reading out the sound wave signal from the operating app 420 of the user wireless terminal 400 and recognizing the UGID, the disposable code and the transaction information is described. As a person skilled in the art will be able to refer to and / or modify the FIG. 6 to implement various methods of transmitting or recognizing the sound wave signal (for example, omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical characteristic It shall not be limited. For example, the transaction information and / or the UGID may be configured / generated based on the information recognized through the sound wave signal in the operating app 420 of the user wireless terminal 400, The UGID is included in the transaction information and / or the UGID.

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

Meanwhile, the sound wave device 300 confirms a unique code that uniquely identifies a merchant having the sound wave device 300 (610). If the unique code identifying the franchisee with the sound wave device 300 is identified, the sound wave device 300 hides the identified unique code so that it can be read only through the designated specific device / server, ) And simultaneously generates a UGID for uniquely identifying a specific transaction corresponding to the input transaction amount (615). Preferably, the sound wave device 300 uniquely identifies a merchant having the sound wave device 300 through at least one embodiment of the UGID generation embodiment of the present invention, and at the same time, A unique identifying UGID may be generated (615).

Meanwhile, the sound wave device 300 substitutes a seed value, which is determined / determined based on the seed information registered through the process shown in FIG. 5, into a designated code generation algorithm, (620) a one-off code of a designated code system for authenticating a merchant with a merchant (300) and / or a merchant with a sound wave device (300).

The sound wave device 300 includes transaction information including the generated UGID, the disposable code and the transaction amount in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) (630) the sound wave signal including the transmission information through the sound wave signal of the designated frequency band, and the sound wave signal transmitted from the sound wave device (300) And is received by the terminal 400.

(Or activated) to the designated operating app 420 in the user wireless terminal 400, the operating app 420 receives the sound wave from the merchant's point of view through the sound wave input unit 410 of the user wireless terminal 400 And confirms whether a specified sound wave signal transmitted through the apparatus 300 is input (640). If it is confirmed in operation 630 that the designated sound wave signal transmitted through the franchise point-side sound wave device 300 is input, the operating app 420 of the user wireless terminal 400 reads the inputted sound wave signal, Code and transaction information (645). Preferably, the operating app 420 of the user wireless terminal 400 is connected to the merchant-side sound wave device 300 through at least one of the first through fourth operating modes of operation of the present invention The UGID and the disposable code and the transaction information can be recognized (645) by receiving and reading the sound wave signal, and the recognized / confirmed transaction information can be outputted (650).

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

In more detail, FIG. 7 illustrates a case where the operating app 420 of the user wireless terminal 400 reads the sound wave signal transmitted from the sound wave device 300 of the affiliated shop and recognizes the UGID, the disposable code and the transaction information, 420 transmits the UGID, the disposable code, and the transaction information to the designated operation server 200 and registers the UGID and the 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 sound wave signal transmitted from the sound wave device 300 through the process of FIG. 6 and recognizes / confirms the UGID, the disposable code, Transmits the UGID and the disposable code and the transaction information to the designated operation server 200 in operation 700. The operation server 200 transmits the UGID and the transaction information from the operation application 420 via the designated path, Disposable code and transaction information (705).

The operation server 200 reads the received UGID (for example, decodes the received UGID through a decoding rule corresponding to the encoding rule that generated the UGID), reads the unique code concealed in the UGID 710, (715) the affiliated shop visited by the user of the mobile terminal, that is, the affiliated shop including the sound wave device 300, using the registered information and the read unique code, And the sound wave device 300 that transmits the designated sound wave signal to the franchisee.

If the merchant having the sound wave device 300 is not authenticated through the UGID, the operation server 200 provides an authentication error for the UGID to the operating app 420 (720) The operation application 420 receives the authentication error from the operation server 200 and outputs it (725).

Meanwhile, when the merchant having the sound wave device 300 is authenticated and authenticated through the UGID and receives the disposable code from the operation app 420, the operation server 200 transmits the UGID (730) confirming the validity of the disposable code using the confirmed seed information by confirming the seed information registered in association with the unique code read from the UGID (or the merchant-related information of the identified and authenticated merchant) It is possible to authenticate the validity of the transaction information with the identified merchant.

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, if the authenticity of the merchant / transaction information is authenticated through the one-time code and authenticated by a merchant having the sound wave device 300 that transmits the sound wave signal designated by the merchant corresponding to the transaction information through the UGID, The operation server 200 stores the UGID and the transaction information in association with each other in operation 735 and provides the UGID and the transaction information of the transaction information to the operating application 420 in operation 740, Receives the registration result information from the operation server 200 and may output the transaction information registered in the operation server 200 through a designated interface screen in operation 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 a sound wave signal transmitted from the merchant-side sound wave 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 UGID, the disposable code, and the transaction information recognized / confirmed through the sound wave signal input from the sound wave device 300 are transmitted to the designated operation server 200, When the UGID and the transaction information are registered, the operating app 420 of the user wireless terminal 400 displays the transaction information on the designated interface screen, and checks whether the settlement processing 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 sound wave signal inputted from the sound wave device 300 to the payment application 450 and shares the recognized UGID 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). On the other hand, when the payment app 450 is activated (or activated) through the operating app 420, the payment app 450 checks the UGID, 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 illustrates a case where a payment application 450 activated (or activated) through the process shown in FIG. 8 transmits the recognition information including the UGID shared with the operating application 420 and the one- 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, a payment application 450, which is driven (or activated) through the process shown in FIG. 8 and shared and received a UGID and a disposable code from the payment application 450, And transmits the identification information including the UGID 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 UGID and the disposable code from the authentication server 100 (915), reads the UGID of the recognition information (e.g., reads the UGID of the UGID corresponding to the encoding rule (Decoding by a decoding rule), reads the unique code concealed in the UGID 920, and then, using the information registered in the process of FIG. 5 and the read unique code, (925) the franchisee visited by the user of the customer, that is, the franchisee having the sound wave device 300.

Meanwhile, if the merchant having the sound wave device 300 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 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 of the user wireless terminal 400 (450) receives and outputs the authentication error (940).

Meanwhile, when a merchant having the sound wave device 300 is uniquely identified and authenticated through the UGID included in the recognition information, and the disposable code is included in the recognition information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code linked with the unique code read out from the UGID (or the merchant-related information of the identified and authenticated merchant) (945).

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, .

Meanwhile, when the franchisee having the sound wave device 300 is authenticated by the UGID of the recognition information, and the validity of the one-time code of the identification information is authenticated according to the method, the operation server 200 transmits the UGID (950) any transaction information that is uniquely identified for at least a certain period of time. If the transaction information identified through the UGID 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 UGID at the merchant that is uniquely identified through the UGID (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). If the transaction information (or the payment request information) is received, the user checks whether payment processing using the real money based payment means is requested from the user (1003), and confirms whether payment processing using the encrypted money is requested (1003). If the settlement-based settlement is requested for the settlement information, the user's wireless terminal 400 may request a settlement-based settlement to the operation server 200 and / or the settlement server 105, An example is shown in Figs. 11 to 17.

On the other hand, if the real money based settlement processing for the settlement information is requested, the payment server 105 performs a specified server-side settlement procedure for the transaction information (or the settlement request information) (1005) (Or the settlement request information) is confirmed (step 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 showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.

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

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

Referring to FIG. 11, the operation server 200 (or the payment server 105) includes N block chain networks 1100 implementing N (N? 1) cipher systems implemented on a block chain basis A crypto-money block storage unit 1110 for storing a ciphertext block including blocks ciphered or generated according to a block-chaining algorithm implemented in the block-chain algorithm, and storing the ciphered block in a designated block storage area; And a cryptographic block updating unit 1115 for performing a process of confirming a new block to be newly generated or agreed upon in accordance with the block chain algorithm implemented in the block chain and chaining the cryptographic block to a cryptographic block stored in a designated block storage area and updating the cryptographic block.

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

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

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

According to an embodiment of the present invention, a node device 1105 on a block-chain network 1100 is connected to a cipher-key network 1100, which is created on a specified block-chain network 1100 based on a block- A function of storing a block in a designated storage area, a function of collecting a cryptographic transaction history broadcasted in a designated block chain network 1100, a function of forming a block by blocking the collected specified number of cryptographic transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake, CBB (Consensus-By-Bet)) to generate a new block, and a function of requesting the other node device 1105 to settle the newly generated block A function of verifying the block chain validity of the block requested to be concluded on the basis of the block-chain verification value included in the block requested to be concluded from the node device 1105, and a function of chaining the verified block to the pre- A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 1100 is installed and all the node devices 1105 operating on the specific block chain network 1100 execute the same block It is preferable that the same version of the block chain program to which the chain algorithm is applied is executed.

According to the present invention, the operating server 200 (or the payment server 105) can use N (N > = 1) cipher systems implemented on a block chain basis as payment means. The components of the depicted operations server 200 (or payment server 105) include a node device 1105 (e.g., a designated block-chain network 1100) on a designated block-chain network 1100 implementing the specified block- (E.g., a block device implemented with a block chain algorithm implemented in a block-chain algorithm) and / or a virtual node capable of participating in the designated block-chain network 1100 A virtual node that is implemented through the same program as the block chain program to which the chain algorithm is applied) and / or is implemented on the designated block chain network 1100 It can work with real-time node apparatus 1105. In the present invention, N pieces of cipher money include not only embodiments using a plurality of cipher keys, but also embodiments using any one particular number of cipher keys. However, even if the N ciphers are represented (or described) in the detailed description or the claims of the present invention for the sake of convenience in the following description, it is only for the sake of convenience of explanation. In the present invention, N ciphers Embodiments (or ranges of rights), as well as embodiments (or scope of rights) using a single cryptographic currency.

According to the first cryptographic embodiment of the present invention, the N ciphers are associated with the operating server 200 (or the payment server 105) or the operating server 200 (or the payment server 105) The node device 1105 may include a cryptogram that is generated by a block-chain algorithm implemented on the designated block-chain network 1100 and participated in an agreement-active active node. Here, the active node is an actual node device 1105 implemented on a designated block-chain network 1100, or a node that operates in an equivalent manner, and is preferably a block-chain algorithm implemented on a designated block- A function of storing a cryptographic currency block generated on the block chain network 1100 designated by the designated block chain network 1100 in a designated storage area, a function of collecting a cryptographic transaction history broadcasted to the designated block chain network 1100, A function of constructing a block by blocking the transaction history of the encrypted money, a function of generating at least one hash value for chaining the configured block, and a function of generating a valid block chain verification value for chaining and integrity verification of the composed block A function of generating a new block by applying the new block to another node device 1105, Verifying the block-chain validity of the requested block based on the block-chain verification value included in the block requested to be concluded from the other node device 1105, and a function of verifying the block- It is possible to perform the functions defined in the block chain algorithm implemented on the block-chain network 1100 among the functions of chaining and linking.

According to a second cryptographic embodiment of the present invention, the N ciphers may be associated with the operating server 200 (or the payment server 105) or with the operating server 200 (or the payment server 105) The node device 1105 may include a cryptogram that is generated or agreed through a block chain algorithm implemented on the designated block-chain network 1100 and is included in a passive node capable of real-time confirmation of the cached block. Herein, the passive node is a node that is created or agreed upon on a block-chain network 1100 in cooperation with an actual node device 1105 implemented on a designated block-chain network 1100 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a specified block-chain network 1100 based on a block-chain algorithm implemented on the block-chain network 1100; A function of verifying the block chain validity of the block requested to be concluded on the basis of the block chain verification value included in the block requested to be concluded from the encrypted password block 1105, One function can be performed.

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

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

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

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

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

According to the fifth self-block-chain network 1100 of the present invention, the self-block-chain network 1100 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the self-block-chain network 1100 includes a virtual node operated by an operator and an external node device 1105 participating in the network, The hybrid block chain network 1100 can be operated in the form of a hybrid block chain network 1100.

According to the sixth self-block-chain network 1100 of the present invention, the self-block-chain network 1100 implemented by the operator includes a designated number of node devices 1105 distributedly constructed and operated by the operator, And may include a virtual node implemented in software via one or more operating servers, in which case the self-block-chain network 1100 includes a designated number of node devices 1105 and a specified number of virtual nodes And may be operated in the form of a private block chain network 1100.

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

According to the eighth self-block-chain network 1100 embodiment of the present invention, the self-block-chain network 1100 implemented by the operator includes at least two of the first through seventh self- At least partially in combination, and the present invention clearly encompasses these embodiments as well.

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

Meanwhile, the node devices 1105 provided in the N block-chain networks 1100 perform a procedure of generating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chain network 1100, The money block updating unit 1115 checks a new block newly created or agreed on the N block-chain networks 1100 according to the block-chain algorithm implemented on the N block-chain networks 1100, And performs a procedure of chaining and updating the identified new block in each of the encrypted money blocks stored in the area.

According to the embodiment of the present invention, the encrypted currency block updating unit 1115 updates the encrypted currency block stored in the designated block storing area every time (or at a designated cycle) a verification operation for verifying the validity of the hash values included in each block to chain i (i? 2) blocks (for example, an operation for verifying whether the hash value included in each block is valid and / (Or validity of each block included in the cryptographic block) stored in the block storage area through an operation of verifying the validity of the hash values included in each block through the block chain verification value Procedure can be performed. In this case, the encrypted currency block update unit 1115 updates the encrypted currency block (or the encrypted currency block including the verified blocks) when the validity of the encrypted currency block (or the validity of each block included in the encrypted currency block) A new block can be chained and updated in the encrypted money block.

According to the method of the present invention, the crypto-money block updating unit 1115 updates the cryptographic money in the cryptographic money block 1100, which is newly created or agreed upon on the block chain network 1100 of the ciphertext used as the payment means while the specified crypto- It is desirable that the new block is repeatedly executed by confirming the new block and chaining it in the encrypted currency block of the corresponding encrypted currency stored in the designated block storage area.

Referring to FIG. 11, the operation server 200 (or the payment server 105) receives user information about the user through the user wireless terminal 400 and receives an n-th cipher The user side password money account information identifying the user password money account established to identify the cipher unit held by the user on the chain network 1100 and the block chain algorithm implemented on the nth block chain network 1100, A cryptographic information registration unit 1120 for performing a procedure of registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for a cryptographic currency transaction using a cryptographic account unit held in a user's cryptographic currency account , The user side password money account information and the user side password money transaction authentication information are linked with the user information and stored in the designated management DB The encrypted money information management unit 1125 manages i (i > = 2) included in the latest updated n-th cipher block in the designated block storage area, The cryptographic transaction details contained in the blocks can be read to calculate the cryptographic unit held in the user's cryptographic account of the n-th cryptographic unit and stored in the management DB in association with the user's cryptographic unit account information. On the other hand, the cryptographic information management unit 1125 reads the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block for the purpose of chaining i blocks included in the n-th cipher currency block A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each block.

When the user wireless terminal 400 intends to make a payment through the n-th (1? N? N) cipher, the user wireless terminal 400 registers user information about the user, the user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the n block chain network 1100 and the block chain algorithm implemented on the nth block chain network 1100 (For example, a password, an authentication code, a registration code, a certificate information, a certificate password, etc.) set for a password currency transaction using a password currency account unit held in the user password money account ), And the cryptographic money information registering unit 1120 registers the user's cryptographic information in the designated registration procedure The user's password information to identify the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1100 implementing the n-th cryptographic currency, And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block chain network 1100. [ Side encrypted money account information, and the cryptographic information management unit 1125 stores the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information in association with the user information in a designated management DB , The user side password money account information and the user side password money transaction authentication information, It can manage to make the deal happen cryptocurrency for monetary payment. In other words, the owner of the cryptographic account can not be identified by the cryptographic information manager 1125 through the user's cryptographic account information on the n block-chain network 1100, By storing information and user information in association with each other, the owner of the cryptographic account corresponding to the user-side encrypted money account information can identify and manage the user corresponding to the user information.

On the other hand, when the user-side encrypted money registration information is registered, the encrypted money information managing unit 1125 stores i (i, j) included in the latest updated nth password block in the block storage area based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i > The encrypted money transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 1105 on the block chain network 1100, The user can calculate the cipher unit held in the user's cipher account. In this case, the encrypted money information managing unit 1125 may store the encrypted currency unit information held in the user's password money account in the management DB in association with the user's password money account information.

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

According to an embodiment of the present invention, the cryptographic information management unit 1125 reads the i blocks included in the n-th cipher block to calculate the cipher unit held in the user's cipher account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value contained in each block is valid and / And the validity of the hash values included in each block is verified through the block chain verification value included in the block cipher information management unit 1125. In this case, when the validity of the hash values included in each block for verifying the validity of the hash values for the i blocks is verified, the cryptographic unit held in the user's cryptographic account is calculated, In conjunction with the user-side cryptocurrency account information it can be stored in the management DB.

Referring to FIG. 11, the operation server 200 (or the payment server 105) checks exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And a cryptographic currency exchange rate storage unit 1130 for storing the cryptographic currency exchange rate in the exchange rate storage area. When the exchange rate information is changed, (1135).

N encrypted banknotes are stored in a designated block storage area through the encrypted banknote storage unit 1110 and / or N encrypted banknote blocks are stored in a designated block storage area via the crypto coin block update unit 1115 The encrypted currency exchange rate storage unit 1130 stores the exchange rate between the N encrypted currency corresponding to the N encrypted currency blocks stored in the block storage area and the designated real currency (e.g., KRW, USD, etc.) Confirm the information and save it in the specified exchange rate storage area.

According to the first exchange rate embodiment of the present invention, the exchange rate information between the encrypted currency and the real exchange currency stored in the exchange rate storage area may include exchange rate information that can be arbitrarily changed (for example, arbitrarily changed according to the sale / have. If the exchange rate information is arbitrarily changed, the encrypted currency exchange rate update unit 1135 may periodically update the exchange rate information stored in the designated exchange rate storage area by checking the exchange rate information that varies according to the designated period.

According to the second exchange rate embodiment of the present invention, the exchange rate information stored in the exchange rate storage area may include exchange rate information fixed (or set by a designated agency) without being changed. In this case, the encrypted currency exchange rate update unit 1135 may not update the exchange rate information periodically.

Referring to FIG. 11, the operation server 200 (or the payment server 105) confirms a payment request for confirming a payment request using the n-th (1? N? N) cipher from the user wireless terminal 400 A cryptographic currency exchange rate confirmation unit 1145 for checking the settlement currency rate information based on the exchange rate information stored in the exchange rate storage area designated for the n-th cipher currency at the time of confirming the payment request using the n-th cipher currency, And a cryptographic unit determining unit 1150 for determining a cryptographic unit for settlement corresponding to the amount of settlement based on the confirmed settlement exchange rate information.

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

When the payment request confirmation unit 1140 confirms the payment request using the n-th cipher currency, the cipher currency exchange rate check unit 1145 checks the exchange rate of the n-th cipher currency to be used as the payment means, Check the exchange rate information based on the information.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange storage area are arbitrarily changed in accordance with the first exchange rate embodiment of the present invention, the cipher currency exchange rate confirmation unit 1145 updates the cipher currency exchange rate update unit 1135) and confirms the current exchange rate information between the n-th ciphered currency and the designated real exchange, and confirms the settlement exchange rate information based on the confirmed current exchange rate information. Here, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And exchange rate information adjusted to hedge a loss due to exchange of exchange based on the fluctuation of the exchange rate information of the exchange rate information.

When the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storage area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 1145 checks the n-th cipher currency, It is possible to confirm the exchange rate information and confirm the exchange rate information based on the confirmed exchange rate information. Here, the settlement exchange rate information includes at least one of exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, and exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include exchange rate information.

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

Referring to FIG. 11, the operation server 200 (or the payment server 105) includes an n-th block-chain network 1100 for implementing the n-th cipher money when confirming a payment request using the n-th cipher money, A cryptographic account checking unit 1160 for identifying a user's cryptographic account established to identify a cryptographic unit held by the user on the user's cryptographic unit, and a validity authentication unit 1165 for performing at least one encrypted currency settlement validity authentication procedure based on the n cipher block.

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

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

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

According to the embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 1165 encrypts the i (i, 2) blocks included in the n < th > And a step of verifying validity of the n-th cipher block by performing a specified verification operation of the hash values. According to the embodiment of the present invention, the validity authentication unit 1165 may perform a specified verification operation of hash values included in i (i? 2) blocks included in the latest updated n-th cipher block, I < / RTI > included in the nth encrypted currency block used to calculate the cryptographic unit held in the user's cryptographic account of the node device 1105 on the nth block-chain network 1100 and / 2) blocks of the hash values. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but rather a plurality of node devices 1105 provided in the block-chain network 1100, The validity authentication unit 1165 determines whether or not the latest updated n-th cipher block of the n-th cipher is valid by using the cipher currency validation authentication procedure Can be performed. According to the embodiment of the present invention, when validity of the n-th cipher block is verified through the validity authenticator 1165, the process of calculating the cipher unit held in the user's cipher account of the n-th cipher Is preferably performed.

According to the third embodiment of the present invention, the validity authentication unit 1165 may include the user's password account as a withdrawal account from among the details of the encrypted currency transactions transmitted to the n-th block-chain network 1100 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

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

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

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

According to the fourth password validation authentication validity authentication method of the present invention, the validity authenticator 1165 may retrieve the user password in the idle state including the user's password account in the n-th block-chain network 1100 When the user confirms the related unconfirmed password currency transaction details, the user uses the at least one encrypted currency unit among the encrypted currency unit included in the confirmed undisplayed password currency transaction details related to the user-side withdrawal related relationship and the encrypted currency unit held in the user password money account, And a step of authenticating whether or not a valid cryptographic currency unit capable of paying the amount to be paid exists in the cryptographic currency account. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 1100, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 1165 determines whether the encrypted currency account unit held in the user's password money account is smaller than or equal to the password currency unit corresponding to the amount to be paid, . Alternatively, for example, after the block chain algorithm of the n-th cipher currency is broadcasted to the n-th block-chain network 1100, the user-side withdrawal-related cipher currency transaction details are broadcasted to the n-th block- If the encrypted password account unit is included in the currency block, the validity authentication unit 1165 determines whether the encrypted currency unit corresponding to the amount to be paid and the user- It can be confirmed that the sum of the cipher units included in the cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher account so that the validity of the cipher currency payment is authenticated in such a case.

According to the 5th embodiment of the password validation validity authentication method of the present invention, the validity authenticator 1165 may be configured to at least partially combine at least two embodiments among the first through fourth password validity authentication validity embodiments It is possible to certify the validity of the password currency settlement, and it is evident that the present invention can also include the embodiment of this type in the scope of the present invention.

Referring to FIG. 11, the operating server 200 (or the payment server 105), when authenticating one or more designated cipher billing validity, A cryptographic money transaction procedure unit for performing a cryptographic currency transaction procedure to settle the amount to be paid by using the cryptographic unit, And a result information providing unit 1185 for providing the cryptographic unit based payment result information to the user wireless terminal 400. The cryptographic service providing unit 1185 may include a result information providing unit 1180, And a cryptographic currency transaction management unit 1175 for managing the cryptographic currency transaction to be effectively included in the nth cryptographic currency block.

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

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

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, when the exchange transaction of the n-th cipher currency is actively performed in real time and the cipher unit 1150 determines the unit of cipher for payment corresponding to the amount to be paid, When the value of the n-th cipher currency is lower than a current rate of currency information of the currency by a certain ratio to calculate the cipher unit for billing, the billing unit for billing thus calculated is used for real- Within a specified time). Alternatively, when a company purchases the above-mentioned settlement unit for currency using a predetermined exchange allowance, the settlement unit may be bought in real time (or within a designated time) at the same time as the sale request. If the billing unit for billing is available for purchase in real time (or within a designated time) at the same time as the bid request, the billing password account is used to sell the billing password unit held in the user's password account of the nth password And a buyer's cryptographic account that holds the buyer's cryptographic units that request and buy in real time (or within a specified time).

On the other hand, in the case where the idle state user-side withdrawal-related undecided password money transaction details including the user password money account as the withdrawal account on the n-th block-chain network 1100 are confirmed through the validity authentication unit 1165, The money transaction management unit 1175 may use the n-th cipher than the confirmed uninitialized cipher transactions in connection with the block chaining process based on the block chain algorithm implemented in the n-th block-chain network 1100 And may perform a procedure designated to include in the n-th cipher block first the ninety-ciphertext block generated for settlement and broadcast to the n-th block-chain network 1100. For example, when a block-chain algorithm implemented in the n-th block-chain network 1100 is received from a plurality of node devices 1105 provided on the n-th block-chain network 1100, The cryptographic currency transaction management unit 1175 determines whether or not the transaction fee of the unsettled cryptographic currency transaction included in the block- It is possible to set the transaction fee of the settlement password currency transaction history to be higher so that the settlement password currency transaction history is included in the nth cipher currency block before the user-side withdrawal-related unconfirmed password currency transaction details. Alternatively, when a business operator operating the operation server 200 (or the payment server 105) operates and implements the n-th block-chain network 1100, the payment password transaction details are given priority , The settlement password transaction history may be set so as to be included in the n < th >

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

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

According to the second result information checking embodiment of the present invention, when the payment password transaction history is transmitted within the predetermined time after the payment password transaction details are broadcasted to the nth block chain network 1100, (For example, when the cycle of incorporating the encrypted money transaction details into the n-th cipher block is within a specified reference time and / or the operation server 200 (or the payment server 105) The result information confirming unit 1180 transmits the result of the determination to the n-th block-chain network 1100 through the cryptogram transaction processing unit, After the transaction history is broadcasted, after confirming that the payment password transaction details are included in the n < th > password block, the payment result information including the password- It can be found. On the other hand, when the settlement password transaction details are included in the n-th cipher currency block, the result information confirmation unit 1180 confirms the actual approval result (for example, The result of the payment approval corresponding to the details of the password transaction of the settlement for payment).

The result information providing unit 1185 may provide the cryptographic unit based payment result information confirmed according to the first or second result information checking example to the user wireless terminal 400 and / , The user wireless terminal (400) and / or the merchant terminal can receive and output the password-based payment result information.

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

In more detail, FIG. 12 shows a block diagram of a block caching system according to an embodiment of the present invention. Referring to FIG. 12, blocks or blocks that are generated or agreed upon according to a block chain algorithm implemented on N block chain networks 1100 implementing N (N? 1) And stores the coded block in the designated block storage area. The new block is newly created or agreed upon according to the block chain algorithm implemented on the N block chain network 1100, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the scope and spirit of the present invention. It will be appreciated that various implementations (e.g., some steps omitted or alternate implementations) may be inferred, The present invention is not limited to the technical features of the present invention.

Referring to FIG. 12, a node device 1105 on a block-chain network 1100 transmits a specified number of cryptographic transactions 1100 broadcasted to the block-chain network 1100 in accordance with a block- And transmits the generated new block to the other node devices 1105 on the block chain network 1100 to perform a block chaining process. Then, the agreed blocks are chained (Or the payment server 105) performs the procedure of distributing (1200) the cipher block including the cipher block to each of the node devices 1105. The operation server 200 (or the payment server 105) (Block 1205), which is generated or agreed upon according to a block-chaining algorithm implemented on the N block-chain networks 1100 implementing the cipher block. If the encrypted money block is confirmed, the operation server 200 (or the payment server 105) stores the identified encrypted money block in the designated block storage area (operation 1210).

Then, the operation server 200 (or the payment server 105) checks whether a new block is created or agreed according to the block chain algorithm specified on the block-chain network 1100 corresponding to the encrypted money block stored in the block storing area (1215). If a new block is created or agreed upon on the block-chain network 1100, the operating server 200 (or the payment server 105) confirms a new block that is newly created or agreed on the block-chain network 1100 (Block 1220). The identified new block is chained to the encrypted money block stored in the block storing area, and the new block is updated and stored (1225). The new block is confirmed on the block chain network 1100, Periodically and / or continuously repeating the process of updating and storing the encrypted money block stored in the storage area. As a result, the latest cipher block can always be kept in the block storage area.

FIG. 13 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.

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

Referring to FIG. 13, the operation server 200 (or the payment server 105) confirms the exchange rate information set for the exchange between the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency (1300 ). For example, the operating server 200 (or the payment server 105) can check the exchange rate information in cooperation with a server of a designated cryptographic exchange. Alternatively, the operation server 200 (or the payment server 105) can check the exchange rate information by referring to the block chain network 1100 corresponding to the encrypted currency block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 200 (or the payment server 105) stores the confirmed exchange rate information in the designated exchange storage area (1305).

On the other hand, when the exchange rate information is periodically fluctuating exchange rate information, the operation server 200 (or the payment server 105) checks the current exchange rate information that varies according to the designation period (1310) The exchange rate information stored in the exchange rate storage area is updated and stored as the currently confirmed exchange rate information (1315), so that the exchange rate exchangeable information can be immediately maintained in the exchange rate storage area.

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

In more detail, FIG. 14 illustrates user information about a user, user-side password money account information for the user-side password money transaction, and user-side password money transaction authentication information for a real name-based password currency transaction using a password held by a user The user can register and save the user's password money registration information including the user's password in the information registration process, and if the user has a general knowledge in the technical field of the present invention, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 14, when the user information using the n-th cipher is registered in the user wireless terminal 400 in operation 1400, the operation server 200 (or the payment server 105) And stores it in the management DB (1405). On the other hand, in the user wireless terminal 400, on the n-th block-chain network 1100 implementing the n-th cipher system, user-side cipher account information for identifying a user cipher account established to identify the cipher unit held by the user The user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block chain network 1100, When the password money registration information is registered 1410, the operation server 200 (or the payment server 105) registers the user side password money account information including the user side password money account information and the user side password money transaction authentication information (1415), and associates the user-side password money account information and the user-side password money transaction authentication information with the user information (1420), and stores information for the user's side password-based money transaction based on the real name.

The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a block- Block block transactions in which a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details is generated, and the generated new block is transferred to another node device 1105 on the n-th block-chain network 1100 and agreed The operation server 200 (or the payment server 105) performs a procedure of distributing and storing the ciphered blocks including the agreed-upon blocks to each of the node devices 1105 The process of checking the latest updated n-th cipher block of the n-th cipher from the designated block storage area through the process of FIG. 12 and / or checking the n-th cipher block of the n-th cipher, (1430) the latest updated nth encrypted currency block of the n th cipher from the node device 1105 on the block-chain network 1100.

The operation server 200 (or the payment server 105) may perform a specified verification operation (hereinafter referred to as " operation ") of the hash values included in each of the blocks in order to chain i (1435) the nth cipher block is validated. If the validity of the n-th cipher block is not verified, the operating server 200 (or the payment server 105) receives the latest valid n-th cipher block from the valid node device 1105 of the n-th block- (Re) verification of the encrypted money block, storing it in the designated block storage area (1440), and (re) checking the validity of the confirmed / stored nth encrypted currency block.

On the other hand, if the validity of the n-th cipher block is not verified, the operating server 200 (or the settlement server 105) checks whether the encrypted money transaction included in the i blocks included in the verified n-th cipher currency block (1445) the encrypted currency units held in the user's cryptographic account of the n-th cipher system. If the encrypted currency unit held in the user's cryptographic currency account of the n-th cipher currency is calculated, the operating server 200 (or the payment server 105) stores the cipher currency unit information held in the user's cipher currency account And stores it in the management DB in association with the user's password money account information (1450).

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

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

Referring to FIG. 15, when the user wireless terminal 400 requests the n-th cipher based payment through the process of FIG. 10, the operation server 200 (or the payment server 105) Confirm the payment request (1500). If the n-th cipher based payment request is confirmed, the operation server 200 (or the payment server 105) checks whether the n-th cipher and the real money exchange rate stored in the exchange storage area designated through the process of FIG. (Step 1505), and decides a settlement unit for the settlement of accounts based on the confirmed settlement exchange rate information (step 1510).

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

16 is a flowchart illustrating an operation of the operation server 200 (or the payment server 105) when the user confirms a payment request using the n-th cipher currency on the n-th block-chain network 1100 implementing the n-th cipher Identifying a user's cryptographic currency account set to identify the cryptographic currency unit possessed and determining one or more cryptographic payment validity based on the user's cryptographic currency account of the nth cryptographic currency and the latest updated nth cryptographic currency block of the nth cryptographic currency, The present invention is not limited to the above embodiments, and various modifications and changes may be made thereto without departing from the spirit and scope of the present invention. For example, some steps may be omitted or the order may be altered), but the present invention encompasses all such envisioned methods of implementation And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 16, if the n-th cipher based settlement is requested through the process of FIG. 10 and / or the decryption unit is determined through the process of FIG. 15, or the user consent of the cipher- , The operating server 200 (or the payment server 105) transmits a user password money account established to identify the cipher unit held by the user on the nth block-chain network 1100 implementing the n-th cipher system (1600). ≪ / RTI > If the user encryption account is not confirmed, the operation server 200 (or the payment server 105) provides the error information through the communication network 1605, and the user wireless terminal 400 transmits the error information through the communication network And receives and outputs the error information (1610).

The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a block- Block block transactions in which a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details is generated, and the generated new block is transferred to another node device 1105 on the n-th block-chain network 1100 and agreed The encrypted password block including the agreed blocks is distributed to the respective node devices 1105 (1615). If the user's password account of the n-th cipher currency is confirmed , The operating server 200 (or the payment server 105) receives the latest updated n-th encryption of the n-th cipher from the designated block storage area through the process of FIG. 12 Block 1620 of the n < th > cipher from the node device 1105 on the n < th > block chain network 1100 corresponding to the n & .

The operation server 200 (or the payment server 105) may perform a specified verification operation (hereinafter referred to as " operation ") of the hash values included in each of the blocks in order to chain i (1625) a cryptographic payment validity authentication procedure for authenticating the validity of the nth cipher block. If the validity of the n-th cipher block is not authenticated, the operating server 200 (or the payment server 105) provides error information 1605 via the communication network, and the user wireless terminal 400 And receives and outputs the error information through a communication network (1610).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 200 (or the settlement server 105) updates the n-th cipher block based on the latest updated n-th cipher block of the n-th cipher, (1630) a cryptographic payment validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user holds a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic currency account. If the validity of the user-held cipher currency unit is not authenticated, the operation server 200 (or the payment server 105) provides error information through the communication network 1605, And receives and outputs the error information (1610). According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency to transmit the cipher-based payment when the validity of the user- The present invention is not limited thereto.

On the other hand, when the validity of the user-held cipher currency unit is authenticated, the operation server 200 (or the payment server 105) transmits the payment request to the n-th block- 1100), it is authenticated that there is no idle-state user-side withdrawal-related undeclared cipher transaction history that is not included in the n-th cipher block, while including the user's cipher account in the withdrawal account A cryptographic bill validity authentication procedure for authenticating the block chaining validity is performed (1635). According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency for the cipher currency transaction for the cipher-based payment when the block- It is possible to perform the procedure, and thus the present invention is not limited thereto.

If the validity of block chaining is not verified by checking the idle state user-side withdrawal-related unrecognized password currency transaction details including the user's cryptographic account in the withdrawal account on the n-th block-chain network 1100, The settlement server 200 (or the settlement server 105) may use at least one of the encrypted denomination units included in the confirmed unexecuted password money transaction history and the encrypted denomination unit held in the user's password money account (1640) a validation of the validity of the user-held cipher currency unit whether the user has a valid cipher unit capable of paying the amount to be settled in the user's cipher currency account. According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency to transmit the cipher-based payment when the validity of the user- The present invention is not limited thereto.

If the block chain validity is not authenticated and / or the user's password is not authenticated by checking the idle-state user-side withdrawal-related undecided password transaction details including the user's password account on the n-th block-chain network 1100, If the validity of the user-held cipher currency unit is not authenticated by using at least one of the encrypted currency unit included in the side withdrawal-related unconfirmed password currency transaction details and the encrypted currency unit held in the user's password money account, The operation server 200 (or the payment server 105) may determine whether or not the user has an unconfirmed ciphering transaction history in connection with the block chaining process based on the block chain algorithm implemented in the nth blockchain network 1100 And the payment password transaction history is first included in the n < th > It may be used while performing a specified process 1645, the n-th cipher money to perform password monetary transaction process for the encryption based monetary payment. In this case, the operation server 200 (or the payment server 105) may determine that there is a user-withdrawal-related unconfirmed password transaction history previously broadcasted to the n-th block-chain network 1100 and / It is possible to perform a procedure of providing notification information to the user wireless terminal 400 that an error may (or may not) be caused by an undeclared cipher currency transaction detail related to the withdrawal, and thus the present invention is not limited thereto.

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

In more detail, FIG. 17 illustrates an example in which the operating server 200 (or the payment server 105), when authenticating at least one designated cipher settlement validity, determines the cipher unit held in the user's cipher account of the n-th cipher FIG. 17 is a flow chart illustrating a process of performing a designated cigarette money transaction procedure to settle the amount to be paid by using the present invention. Referring to FIG. 17 and / or modified by the person skilled in the art, It will be appreciated that various implementations of the cryptographic process (e.g., some steps may be omitted, or alternate implementations) may be inferred, but the present invention includes all of the above- The technical features are not limited only by the method shown in FIG.

Referring to FIG. 17, when at least one designated password settlement validity is authenticated through the process of FIG. 16, the operation server 200 (or the payment server 105) (1715) a payment password transaction for withdrawing a payment password unit corresponding to the amount to be paid out and transferring the unit to a designated password account for settlement (1715) (1705) a process of broadcasting the generated password transaction details for settlement to the n-th block-chain network 1100 corresponding to the password. The node devices 1105 on the n-th block-chain network 1100 corresponding to the n-th cipher system are broadcasted to the n-th block-chain network 1100 according to a block- And generates a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details including the settlement password transaction, and transmits the generated new block to another node device 1105, and performs a process of distributing and storing the encrypted money blocks including the agreed blocks in the respective node devices 1105 (1710).

On the other hand, the operation server 200 (or the payment server 105) broadcasts the password transaction for settlement to the n-th block-chain network 1100, and then transmits the password- And confirms the information of the settlement based payment result (1715). If the password-based payment result information is confirmed, the operation server 200 (or the payment server 105) provides the password-based payment result information to the user wireless terminal 400 and / or the merchant terminal (1720), the user wireless terminal (400) and / or the merchant terminal (1725) receives and outputs the encrypted money based settlement result information.

100: Authentication server 105: Payment server
110: Merchant point side terminal 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: payment result processing unit 300: sound wave device
310:
315: an amount input unit 320:
325: UGID generator 330:
335: transmission information configuration unit 340: signal transmission unit
400: user wireless terminal 410: sound wave input unit
420: Operating App 425: Signal Verification Unit
430: Signal recognition unit 435: Transaction register
440: Transaction information display part 445: Transaction processing part
450: Payment App 455: Status Checker
460: Shared information verification unit 465: Identification information transmission unit
470: Transaction information receiving unit 475: Payment procedure processor
1100: block chain network 1105: node device
1110: a crypto-money block storage unit 1115: a crypto-
1120: a password money information registering unit 1125: a password money information managing unit
1130: encrypted currency exchange rate storage unit 1135: encrypted currency exchange rate update unit
1140: Payment request confirmation unit 1145: Cryptographic currency exchange rate confirmation unit
1150: cipher unit determination unit 1155:
1160: Cipher account checking unit 1165: validity authentication unit
1170: Cryptographic Transaction Processing Section 1175: Cryptographic Transaction Management Section
1180: Result information checking unit 1185: Result information providing service

Claims (17)

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

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