KR20190083094A - Method for Providing Asynchronous Reverse Direction Payment by using Radio Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a wireless device and a block chain, capable of solving various technical and/or security defects, which comprises: a first step of implementing a block chain network or interworking with a pre-implemented block chain network by an operating server; a second step of confirming one time identification by the operating server; a third step of transmitting recognition information; a fourth step of receiving the recognition information; a fifth step of authenticating, by the operating server, transaction information as transaction information of a member store having a designated wireless device; a sixth step of providing authentication result information by the operation server; a seventh of performing a payment procedure; an eighth step of generating a ledger history by the operating server; and a ninth step of processing a block-chaining procedure of the generated ledger history to be performed.

Description

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

The present invention can be applied to a mobile communication terminal that reads out the radio signal from a designated operating app of a user wireless terminal transmitted from a separate wireless device provided at an affiliate shop and stores transaction information including a predetermined transaction amount input through the wireless device, Authenticating the franchisee separately, and recognizing / confirming one time IDentification (OTID) generated for uniquely identifying a specific transaction corresponding to the transaction information at least for a predetermined time, The transaction information of the merchant having the designated wireless device is identified and authenticated through the identification information to process the payment information of the transaction information through the operating app. The payment result of the payment result information processed in the payment procedure is block-chained and stored and managed.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to solve the above problem is to provide a mobile wireless terminal that reads a radio signal from a designated operating app of a user wireless terminal transmitted from a separate wireless device provided at a merchant, A One Time IDentification (OTID) generated for unique identification of the transaction information including the money and the merchant having the wireless device separately and for uniquely identifying the specific transaction corresponding to the transaction information at least for a predetermined period of time And transmits the recognition information including the OTID after recognizing / confirming, if the recognized / verified transaction information is authenticated by authenticating the transaction information of the merchant having the designated wireless device and authenticated through the recognition information, And the settlement result of the settlement result information that has processed the settlement result The present invention provides an asynchronous reverse payment method using a block device and a wireless device that stores and manages a block.

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

The asynchronous reverse payment method using the block device and the wireless device according to the present invention is implemented through an operation server capable of communicating with a user wireless terminal that receives a designated wireless signal transmitted from a nearby wireless device via a separate wireless device Wherein the operating server implements a block-chain network that blocks the transaction history details of a specified structure via N (N > = 2) node devices operating according to a specified block-chain algorithm, or interworks with the implemented block- And the designated operating app of the user wireless terminal receiving the wireless signal transmitted from the wireless device at the merchant point reads the received wireless signal and includes a predetermined transaction amount based on the recognized information And separately identifies the merchant having the wireless device A second step of confirming an OTID (One Time IDentification) generated to uniquely identify a specific transaction corresponding to the transaction information at least for a predetermined period of time, and a second step of receiving recognition information including the OTID A fourth step of receiving the identification information including the OTID through the designated route by the operating server; and a fourth step of reading the received OTID by the operating server to authenticate the merchant having the wireless device A fifth step of authenticating the transaction information with transaction information of an affiliated store having a designated wireless device, and a sixth step of providing the operating result to the operating server, with authentication result information obtained by authenticating the affiliate shop having the wireless device, And a seventh step of the operating application performing a payment procedure for the transaction information based on the authentication result information, An eighth step of confirming the settlement result information that has processed the settlement and generating a transaction account history including a settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm; And performing a block chaining process of the generated transaction ledger breakdown.

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

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

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

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

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

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

In an asynchronous reverse payment method using a block device and a wireless device according to the present invention, the eighth step may comprise the steps of: determining m (1? M? M) And a step of generating a transaction record containing the information.

In the asynchronous reverse payment method using a block device and a wireless device according to the present invention, the eighth step may include the step of, when M (M? 2) pieces of information included in the payment result information include m m < m) &lt; th &gt; pieces of secret information among the m pieces of information identified; (Mj) pieces of publicly available information and the stored / verified identification information included in the payment result information are stored in the management database or stored in the management DB, And generating a book detail.

In the asynchronous reverse payment method using a block device and a wireless device according to the present invention, the eighth step may include the step of, when M (M? 2) pieces of information included in the payment result information include m m < m) number of pieces of secret information among the m pieces of identified information, checking j (1 &lt; = j &lt; m) pieces of private information to be hidden, Generating hash information, and generating a transaction history including (mj) pieces of publicly available information included in the payment result information and the generated hash information.

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

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

In the asynchronous reverse payment method using a block device and a wireless device according to the present invention, the ninth step includes checking whether the number of transaction details broadcasted to the block-chain network is less than a specified reference number during a specified reference time, When the number of transaction history records less than the specified reference number is broadcasted to the block chain network for a specified reference time, the number of transaction history details broadcasted to the block chain network during the specified reference time period And generating a specified number of dummy transaction record details for broadcasting to the block-chain network.

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

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

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

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

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

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

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

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

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

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

1 is a block diagram illustrating the operation of a wireless communication device according to an exemplary embodiment of the present invention. Referring to FIG. 1, the wireless communication device 300 reads a wireless signal from a designated operating application 420 of a user wireless terminal 400, The transaction information including the entered transaction amount and the merchant having the wireless device 300 are authenticated separately and at the same time a specific transaction corresponding to the transaction information is created to uniquely identify the transaction for at least a predetermined period of time And transmits the recognition information including the OTID after recognizing / confirming the OTID (One Time IDentification). If the recognized / confirmed transaction information is the transaction information of the merchant having the designated wireless device 300 And processes the settlement procedure of the transaction information through the operational application 420 when the authentication is authenticated and authenticated. Those skilled in the art will be able to refer to and / or modify the FIG. 1 to implement various implementations of the reverse payment providing system using the merchant-side radio 300 (for example, The present invention is not limited to the above-described embodiments, but may be embodied in the following forms.

The system of the present invention is characterized in that the system includes a predetermined transaction amount input for settlement of the franchisee and uniquely identifying the franchisee and uniquely identifying a particular transaction of the franchisee for at least a predetermined period of time (300) for transmitting a wireless signal including information to the franchise point wireless device (300), and a wireless communication device (300) for recognizing various information included in the wireless signal transmitted through the franchise point wireless device (300) A user wireless terminal 400 that installs or installs an operational app 420 that performs a payment transaction for a specific transaction and a user communicating with the operational app 420 of the user wireless terminal 400 and / (Or a payment server 100) for performing a server-side settlement procedure in cooperation with a terminal-side settlement procedure of a terminal And a payment server 100 provided in the system for performing a server-side settlement procedure corresponding to a settlement procedure performed through the operating app 420. The settlement server 100 may include a payment server And a merchant terminal 105 for registering information. According to an embodiment of the present invention, the operation server 200 is a block chain block-chaining a transaction history record of a specified structure via N (N? 2) node devices 115 operating according to a specified block- A function of implementing the network 110 or interworking with the implemented block chain network 110, a function of confirming the settlement result information that processed the settlement, a function of confirming the settlement result including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 110. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

The franchisee-side terminal 105 is a collective term of a terminal operated by an affiliated store having a wireless device 300 that transmits a designated wireless signal and is capable of communicating with the operation server 200 through a communication network, The mobile terminal 300 can be used to register the information required for the reverse payment based on the mobile device 300 in the operation server 200 and / or to receive the payment result information of the reverse payment based on the wireless device 300 according to the present invention from the operation server 200 have. The merchant terminal 105 may be a merchant terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided at 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 105 can perform a predetermined information registration procedure for the reverse payment using the wireless device 300 to the designated operating server 200. The merchant terminal 105 transmits the merchant registration information (for example, a merchant shop name, a merchant store, a phone number, an address, a business type / business name, a business number, etc.) to the designated operating server 200 can do. On the other hand, the franchise point terminal 105 stores the merchant information given to the franchisee in a designated storage area for a predetermined payment (for example, forward payment for transferring a message to the card company via the VAN from the franchisee terminal) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the franchise point side terminal 105 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 105 among the terminals provided at the merchant, or information given to the merchant terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The merchant terminal 105 (or a separate operating terminal (not shown) associated with the operating server 200) may transmit a designated unique code (e.g., a merchant with a wireless device 300 that transmits a designated radio signal And / or a separate unique code that uniquely identifies the merchant-side terminal 105 operated by the merchant with the wireless device 300, and / A unique code that uniquely identifies the wireless device 300 that transmits the wireless 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 unique code may include a code value assigned to the merchant that is determined so as not to be duplicated to uniquely identify the merchant having the wireless device 300. (For example, merchant point information such as a merchant point number for payment in the forward direction) may be assigned to the merchant. Conventionally, the information allocated to the merchant store is transmitted to the merchant through the wireless device 300, The unique code is provided to the franchisee so as to separately identify the franchisee having the wireless device 300 by having the wireless device 300 at the franchisee 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 105 of the merchant having the wireless device 300 . If the merchant terminal 105 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (e.g., (forward) payment to the merchant terminal The information provided to the merchant terminal is information provided to identify only the merchant terminal regardless of whether the merchant is equipped with the wireless device 300. On the other hand, The unique code includes the wireless device 300 at an affiliate shop so that a unique code value that is determined in a non-redundant manner to separately identify the affiliate shop terminal 105 provided at the affiliate shop having the wireless device 300 . &Lt; / RTI &gt;

According to the third specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the wireless device 300 at the merchant. The wireless device 300 provided at the merchant may be given a unique code value that is not duplicated in order to uniquely identify the wireless device 300. In this case, 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 unique 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 wireless device 300.

According to the method of the present invention, the franchise point-side terminal 105 (or the information-registering terminal used by the franchisee) operated by an affiliate shop having the wireless device 300 can receive the first To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first unique code checking embodiment of the present invention, the unique code is displayed on one side of the merchant-side wireless device 300 or includes a code value printed on the wireless device 300's user's manual, In this case, the franchise owner (or employee) of the franchisee that receives (or purchases) the franchise point wireless device 300 receives the code value (s) provided to the wireless device 300 through the franchise shop terminal 105 And the merchant terminal 105 can confirm a unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-point-side wireless device 300 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the wireless device 300 The franchise point terminal 105 of the franchisee to which the franchisee has supplied (or purchased) the at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, etc.) Wired communication means, and the like). In this case, the merchant terminal 105 requests / receives a code value recorded in a designated storage area of the wireless device 300 in cooperation with the merchant-side wireless device 300, You can check your own code.

According to the third specific code checking embodiment of the present invention, the merchant-point-side terminal 105 is connected to the operation server 200 during / after communication connection (or performing a predetermined information registration procedure) with the designated operation server 200, And a procedure for exchanging / agreeing a code value determined not to be duplicated by performing a designated code exchange procedure, and can confirm a unique code including the exchanged / agreed code value.

According to the fourth inherent code checking embodiment of the present invention, the merchant terminal 105 generates (or generates a code value) a non-redundant code value through a designated code generating 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 105 generates a code value that is not duplicated (or generates a code value And the franchise point terminal 105 may receive a code value determined not to be duplicated from the operation server 200, and may transmit the code value to the franchise point terminal 105, And receive a unique code containing the received code value.

According to the sixth specific code checking embodiment of the present invention, the franchise-point-side terminal 105 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 duplicated The present invention is not limited thereto.

According to the embodiment of the present invention, the franchise-point-side terminal 105 transmits the unique code confirmed through at least one of the first to sixth unique code checking embodiments to the franchise-point-side terminal 105 Side wireless device 300 associated with the mobile terminal 105) in a designated storage area (but may be omitted if stored beforehand).

According to the method of the present invention, the merchant terminal 105 transmits the unique code identified through at least one of the first through sixth unique code checking embodiments to the designated operation server 200 Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information for the merchant, the merchant information given to the merchant for settlement, and the terminal information provided at the merchant- The inherent code can be linked and stored in the designated storage medium.

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

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

According to the embodiment of the present invention, the merchant-point-side wireless device 300 receives a wireless signal of a specified wireless signal standard, which is received through the short-range wireless unit 410 provided in the user wireless terminal 400 and recognizable through the designated application (Or broadcast) it. Preferably, the merchant-side wireless device 300 may transmit a Bluetooth-based asynchronous wireless signal (e.g., a wireless signal that is broadcast on a Bluetooth 4.0 standard or later without specifying a receiver). Alternatively, the merchant-side wireless device 300 may transmit a Wi-Fi-based asynchronous wireless signal. Alternatively, the franchise point wireless device 300 may transmit a wireless signal of the NFC (Near Field Communication) standard. In this case, the franchise point wireless device 300 may be a reader / writer mode, a tag mode, Can operate. Alternatively, the franchise point-side wireless device 300 can transmit a wireless signal conforming to the RFID standard. That is, the franchise-point wireless device 300 of the present invention may be any device that transmits (or broadcasts) a recognizable wireless signal through a wireless signal-related component provided in a user wireless terminal 400 located at a nearby location It should be clear that the present invention is not limited to the apparatus for transmitting a radio signal of a specific radio signal standard belonging to the right scope of the present invention. Meanwhile, according to the embodiment, the merchant-side wireless device 300 may include at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC, RF communication or wired communication means such as USB, RS232, etc.) The terminal 105 of the franchisee can be linked to the franchisee-side terminal 105 provided at the franchisee, so that the present invention is not limited thereto.

According to the embodiment of the present invention, the merchant-point-side wireless device 300 is uniquely identified for a certain period of time through the OTID and an affiliated shop (= a merchant having the designated wireless device 300) uniquely identified through the OTID A single-use code including a code value of a designated code system may be generated to authenticate the validity of a specific transaction. To this end, the merchant terminal 105 (or designated operation (For example, a rule for determining a fixed seed value and / or a seed value) for authenticating the validity of a disposable code generated by the affiliate shop-side wireless device 300, Etc.), whereby the merchant-point-side wireless device 300 can exchange the operation server 200 and the disposable code 200 with the merchant- 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.

The wireless device 300 on the merchant's side has an input unit 306 for inputting a predetermined amount of transaction and the wireless device 300 is connected to the wireless device 300 through the input unit 306, (Or an employee) who possesses (or operates) a predetermined amount of money for reverse payment. When the transaction amount is inputted, the merchant-point-side wireless device 300 reads the wireless signal from the designated operating application 420 of the user wireless terminal 400 that receives the wireless signal, The operation app 420 includes information necessary for identifying / confirming the transaction information, separately identifying and authenticating a franchisee having the wireless device 300 in the operating app 420, and at the same time, And transmits a specified radio signal including information necessary for recognizing / confirming the generated OTID to a unique signal strength (for example, a signal strength reachable up to a predetermined distance).

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

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

According to the embodiment of the present invention, the merchant-point-side wireless device 300 uniquely identifies a merchant having the wireless device 300, and simultaneously transmits transaction information including a transaction amount input through the input unit 306 (OTID) that uniquely identifies a specific transaction corresponding to the OTID for at least a predetermined period of time, and transmits a radio signal including the OTID and / or a user wireless terminal 400 may transmit a radio signal including information necessary for generating / verifying the OTID in the operational app 420. That is, the OTID of the present invention can be generated through the wireless device 300 and can be generated based on information (for example, unique code, etc.) transmitted from the wireless device 300 in the wireless signal And may be generated through the operating app 420 of the terminal 400. If the franchise point wireless device 300 can communicate with a predetermined franchise point wireless device 300 provided at an affiliate shop, the OTID is generated through the affiliated shop wireless device 300 and provided to the wireless device 300 The present invention is not limited thereto. However, it should be apparent that the present invention is not limited to the embodiment in which the above-mentioned OTID is generated by the above-mentioned affiliate shop-side wireless device 300 for the sake of convenience, but the present invention is not limited thereto.

According to the method of the present invention, the merchant-point-side wireless device 300 identifies a unique code that uniquely identifies a merchant having the wireless device 300, and transmits the unique code only through a specific device / The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the input transaction amount can be generated. In other words, the OTID of the present invention has a unique identification that uniquely identifies a franchisee having the wireless device 300, and at the same time, the specific transaction corresponding to the transaction amount input at a specific time point is unique And has a one-time discrimination to identify the user.

On the other hand, a normal one-time password is used only as an authentication means for authenticating a previously identified object through a predetermined identification means based on a one-time (= effective for a certain period of time) and randomness (a property having an arbitrary value) The OTID of the present invention not only has uniqueness that is not duplicated, discrimination for identifying a specific object, one-time for identifying a specific transaction for a predetermined time, And has multiple identities that simultaneously identify transactions.

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

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

According to the third OTID generation embodiment of the present invention, the merchant-point-side wireless device 300 includes a unique code that uniquely identifies a merchant having the wireless device 300, time information read in accordance with a specified rule, And performing the specified encoding procedure using at least one of the inherent code, the time information, and the random number information as parameters of an encoding rule for generating a code value of the designated code system, You can create a hidden disposable OTID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

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

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

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

Meanwhile, according to another embodiment of the present invention, the merchant-point-side wireless device 300 includes the wireless device 300 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time without hiding the unique code It is possible to generate the OTID in the form of a code value that uniquely identifies the affiliated merchant and separately identifies the specific transaction corresponding to the transaction amount at least for a predetermined period of time, so that the present invention is not limited thereto.

When the OTID is generated through at least one of the first to sixth OTID generation embodiments, the franchise point-side radio 300 may transmit a radio signal including the generated OTID. The operating app 420 of the user wireless terminal 400 receiving the wireless signal can read the wireless signal and recognize the OTID among various types of information included in the wireless signal. On the other hand, when generating the OTID from the operating app 420 of the user wireless terminal 400 that recognizes the wireless signal, the merchant-side wireless device 300 may include a unique code included in the wireless device 300 The operating app 420 of the user wireless terminal 400 receiving the wireless signal reads the wireless signal and recognizes the unique code among various information included in the wireless signal, After generating the OTID through at least one of the first to sixth OTID generation embodiments, the generated OTID is uniquely identified as the merchant having the wireless device 300, and simultaneously corresponds to the transaction amount Can be identified as an OTID that uniquely identifies a particular transaction for at least a certain period of time.

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

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

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

The user wireless terminal 400 is a collective term of a wireless terminal having a wireless signal related component capable of receiving a wireless signal transmitted through the affiliated shop wireless device 300 by a user, (400) includes a short range wireless unit (410) for receiving a wireless signal transmitted through the affiliate shop wireless device (300), and reads data corresponding to the wireless signal received through the short range wireless unit An OTID that uniquely identifies the transaction information including the predetermined transaction amount and the merchant having the wireless device 300 separately and at the same time uniquely identifies the specific transaction corresponding to the transaction information at least for a predetermined time, And a function of recognizing the disposable code generated by the wireless device 300 in accordance with the method of operation, and the function of identifying the identified / authenticated OTID And an operation app 420 for performing a payment procedure of a specific transaction of the merchant may be installed and executed.

The user wireless terminal 400 includes a short range wireless unit 410 for receiving a wireless signal transmitted (or broadcasted) through the affiliate shop wireless device 300. The near field wireless unit 410 of the user wireless terminal 400 receives radio signals transmitted (or broadcasted) via the affiliated spot wireless device 300 and wirelessly transmits wireless signals The present invention is not limited thereto.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to send the wireless signal to the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, when the operating app 420 is activated (or activated), it is checked whether the local wireless unit 410 is activated so as to receive the designated wireless signal. If the local wireless unit 410 is not activated, And may perform a series of procedures for activating the short range wireless unit 410. Meanwhile, when the local wireless unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the activated local wireless unit 410 And receives data transmitted from the affiliate shop-side wireless device 300 and receives digital data obtained by digitizing the wireless signal received through the local wireless unit 410 And can recognize the OTID included in the radio signal, the disposable code and the transaction information.

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

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

Meanwhile, when the short range wireless unit 410 of the user wireless terminal 400 performs bidirectional short distance wireless communication with the affiliated spot wireless device 300, the request signal may include the OTID, In this case, the merchant-point-side radio device 300 can transmit a radio signal including the OTID, the disposable code, and transaction information according to the command.

The operating app 420 that has transmitted the request signal to the merchant wireless device 300 via the short range wireless unit 410 receives the request from the merchant wireless device 300 through the short range wireless unit 410, Signal, and reads the digitized data of the received radio signal to recognize the OTID, the disposable code, and the transaction information included in the radio signal.

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

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

When at least one of the first to fourth operational app operation embodiments recognizes the OTID and the disposable code and transaction information included in the wireless signal received from the merchant wireless device 300, 420 transmits the recognition information including the recognized / confirmed OTID and the disposable code to the operation server 200 according to an embodiment of the present invention while communicating with the designated operation server 200 via the designated path, And may further transmit the recognized / confirmed transaction information to the operation server 200 according to the method. The operating app 420 may transmit the identification information and the transaction information together to the operation server 200, or sequentially transmit the identification information and the transaction information according to a designated procedure, and thus the present invention is not limited thereto. Hereinafter, the present invention will be described with reference to an embodiment including both OTID and disposable codes, but the disposable code may be omitted according to an embodiment of the present invention.

The operation server 200 transmits the identification information including the OTID and the disposable code via the designated path from the designated operating application 420 of the user wireless terminal 400 that has received the wireless signal transmitted from the merchant wireless device 300 And further receives the transaction information according to the method of operation.

The operating server 200 receiving the identification information authenticates the franchisee having the wireless device 300 by using the identification information to identify the transaction information recognized by the operating app 420 to the designated wireless device 300 ) Of the merchant's transaction information.

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

According to the embodiment of the present invention, the operation server 200 reads the code system of the unique code read from the OTID and confirms whether the unique code is a code that uniquely identifies the merchant having the designated wireless 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 wireless device 300 through a unique code read from the OTID, Corresponding to the unique code read out from the OTID among the affiliated stores having the wireless device 300 by confirming that the unique code read from the OTID is a unique code that uniquely identifies the affiliated store having the wireless 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 wireless device 300 through a unique code read from the OTID By identifying the merchant-related information corresponding to the unique code read out from the OTID, it is possible to identify and authenticate any one of the merchants having the wireless device 300 corresponding to the unique code read from the OTID.

Meanwhile, when the identification information includes the one-time code and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits information on the affiliate shop corresponding to the identified and authenticated affiliate shop Or a unique code read from the OTID), and based on the seed information, identifies one or more fixed seed values and at least one dynamic seed value (e.g., a time value corresponding to the current time (or standard time) And / or a value exchanged with the server side for authenticating the disposable code) to a designated code generation algorithm to generate a verification code of the specified code system, and compare the one-time code included in the recognition information with the verification code, The validity of the one-off code can be verified. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object identified through the OTID (e.g., a merchant with the wireless device 300 and / The transaction information being uniquely identified for a certain period of time through the OTID among the transaction information of the merchant having the transaction ID, the transaction ID, 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.

According to an embodiment of the present invention, the operation server 200 transmits seed information (e.g., seed information mapped to a unique code concealed in OTID, or seed information mapped to an affiliate shop authenticated and authenticated through OTID) (Or by requesting authentication through a separate code server) by verifying the validity of the one-time use code through a verification code generated using the seed information, thereby identifying the unique identified merchant through the OTID And / or authenticate the validity of the transaction information uniquely identified for a certain period of time via the OTID.

On the other hand, when the operating server 200 receives transaction information including information such as merchant information in addition to the transaction amount, the operating server 200 transmits the information included in the received transaction information to the operating server 200, It is possible to check whether the merchant corresponding to the transaction information is a merchant having the wireless device 300. [

Wherein the merchant corresponding to the transaction information is identified and authenticated as a merchant having a wireless device (300) that transmits a designated radio signal, and the validity of the identified merchant and / or transaction information is authenticated through the one- The operation server 200 can store and manage the transaction information with the OTID and store the transaction information on a designated storage medium. Based on the transaction information, the operation of the user wireless terminal 400 (for example, through OTID and transaction information) It is possible to identify the transaction information corresponding to the payment procedure performed through the payment system (or the payment server 100) linked with the app 420. [ Preferably, the operation server 200 may store and manage the transaction information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

The operation server 200 uniquely identifies the merchant having the wireless device 300 through the OTID and transmits the transaction information through the operating app 420 to the transaction information of the merchant having the designated wireless device 300 And provides authentication result information including an authentication result obtained by verifying the validity of the merchant information and / or the transaction information through the one-time code according to the method of operation, and provides the authentication result information to the operational application 420. Preferably, the authentication result information may include the registered transaction information and the OTID that identifies the merchant, and further includes payment related information (e.g., merchant information, etc.) necessary for the payment processing of the transaction amount can do.

The operation application 420 of the user wireless terminal 400 receives the authentication result information from the operation server 200 and outputs the transaction information through a designated interface screen on the application screen It is possible to read the radio signal to recognize the transaction information and output it, or to omit the output). On the other hand, the user of the operating app 420 can determine whether or not to process the transaction information based on the output transaction amount, and can process the transaction information through the interface screen when determining the payment transaction of the transaction information .

When it is determined by the user to process payment of the transaction information, the operating app 420 confirms the payment processing decision of the transaction information, outputs the transaction information to the payment interface designated at the time of confirming the payment processing decision The OTID can be omitted when the transaction information is output on the payment interface screen upon receipt of the result information), and the terminal side settlement procedure for settlement processing of the transaction information is performed using the payment interface specified within the valid time of the OTID .

According to the embodiment of the present invention, the operating app 420 performs a procedure of registering the designated payment means at the time of initial operation after installation in the payment server 100 (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) for processing settlement of the transaction information through the registered settlement means upon confirming the settlement processing of the transaction information. The settlement server 100 performs a server-side settlement procedure associated with the terminal-side settlement procedure (for example, a procedure of extracting a registered settlement means to approve settlement of transaction information or request payment approval to a financial company server) can do.

According to an embodiment of the present invention, the operating application 420 of the user wireless terminal 400 performs a designated terminal-side payment procedure based on the payment interface outputting the transaction information, and in conjunction with the transaction information (or the transaction The payment request information including the information and the payment means information (or the payment means identifier identifying the payment means information registered on the server side)) to the payment server 100 on the specified payment system (or, The payment server 100 may receive the transaction information (or payment request information) from the operational application 420 (or a relay server such as a PG / payment provider) Side payment process performed in connection with the terminal-side payment process performed through the operating application 420 can be performed.

According to an embodiment of the present invention, the payment server 100 receives the transaction information (or payment request information) from the operating app 420 (or the relay server) A server side settlement procedure associated with the terminal side settlement procedure (for example, a process of extracting a registered settlement means to approve settlement of transaction information or request payment approval to a financial company server).

The payment server 100 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error), and transmits the confirmed settlement result information to the operation application To the management server (420) and / or the operation server (200), and the operation server (200) can provide the payment result information to the designated merchant terminal (105).

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

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

The operation server 200 according to the embodiment of the present invention can communicate with the affiliate shop terminal 105 having the wireless device 300 interlocked with the operating app 420 installed in the user wireless terminal 400 . Meanwhile, the operation server 200 can be interlocked with the payment server 100 on the designated payment system according to the embodiment, and thus the present invention is not limited thereto.

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

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (Peer-To-Peer) scheme rather than a server-centric scheme, a block-chain network 110 in which peers participate is implemented do. The present invention refers to a computer, a device, a server, or the like corresponding to a peer participating in the block-chain network 110 as 'node device 115'.

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 2, the operation server 200 includes an affiliate store registration information for an affiliated store having the wireless device 300, merchant information assigned to the affiliated store for settlement, Information storing unit 205 for registering and storing at least one merchant-related information among the merchant-related information, or registering a unique code that uniquely identifies the merchant having the wireless device 300, and storing the unique code in association with the merchant- do.

The franchise shop terminal 105 having the wireless device 300 (or a separate operating terminal or the like) stores the merchant registration information for the merchant, the merchant information provided to the merchant 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 105 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device 300. [

When the merchant terminal 105 (or a separate operating terminal or the like) having the wireless 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.

Meanwhile, in the case of generating and authenticating the one-time use code during the reverse payment of the merchant having the wireless device 300, the merchant terminal 105 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 affiliated spot wireless device 300 via the merchant terminal 105 , 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 received radio signal from the operating app 420 of the user wireless terminal 400 that receives the wireless signal transmitted from the wireless device 300 of the merchant When the recognition information and the transaction information including the OTID and the disposable code are received and recognized, the operation application 420 receives the recognition / confirmation through the wireless signal A transaction information receiving unit (215) for receiving transaction information recognized / confirmed through the radio signal from the operating app (420), and a transaction information receiving unit A unique authentication processing unit (220) for authenticating and authenticating a franchise corresponding to the transaction information to a franchisee having a wireless device (300) for transmitting a designated radio signal; and a disposable code And a code authentication unit (225) for authenticating the validity of the code and authenticating the validity of the merchant information and / or the transaction information identified through the OTID, the transaction registration management unit (230) for storing the transaction information and the OTID in association with each other, And an authentication result providing unit 235 for providing the authentication result information of the authentication procedure using the identification information to the operating app 420.

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

The operating application 420 of the user wireless terminal 400 transmits the recognition information including the OTID and the disposable code which are read and recognized / confirmed by reading the wireless signal, and the recognition information receiving unit 210 reads the wireless signal, And receives the identification information including the OTID and the disposable code.

Meanwhile, when the operating app 420 of the user wireless terminal 400 reads the radio signal and transmits the recognized transaction information, the transaction information receiving unit 215 receives the transaction information from the operating app 420 .

The unique authentication processing unit 220 compares the information included in the transaction information received through the transaction information receiving unit 215 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 220 can authenticate and authenticate the franchisee by reading the OTID of the recognition information and having the wireless device 300 transmitting the radio signal to the franchisee corresponding to the transaction information. The inherent authentication processing unit 220 reads the OTID and reads the inherent code hidden in the OTID. Preferably, the operation server 200 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID.

According to the embodiment of the present invention, the inherent authentication processing unit 220 reads the code system of the inherent code read from the OTID and identifies a unique code for identifying the affiliated point having the unique code of the wireless device 300 Can be confirmed.

According to an embodiment of the present invention, the unique authentication processing unit 220 inquires a unique code of a storage medium storing a unique code of an affiliated store having the wireless device 300 through a unique code read from the OTID, It is possible to determine whether a unique code read out from the OTID is a unique code that uniquely identifies a franchisee that actually includes the wireless device 300 so that any one of the franchisees having the wireless device 300 corresponding to the unique code read from the OTID The merchant can be identified and authenticated.

According to the embodiment of the present invention, the inherent authentication processing unit 220 inquires a storage medium for associating and storing the unique code of the merchant having the wireless device 300 with the merchant related information through the unique code read from the OTID And confirms the merchant-related information corresponding to the unique code read out from the OTID to identify and authenticate any one of the merchants having the wireless device 300 corresponding to the unique code read from the OTID.

On the other hand, when the one-time code is included in the recognition information, the code authenticating unit 225 transmits predetermined seed information (e.g., seed information mapped to a unique code hidden in OTID, (Or by requesting authentication through a separate code server) through the verification code generated by using the seed information, thereby enabling the user to confirm the validity of the disposable code through the OTID Authenticate the validity of transaction information uniquely identified for a certain period of time through the unique identified merchant and / or the OTID.

If the merchant corresponding to the transaction information through the OTID is uniquely identified and authenticated as the merchant having the wireless device 300 and the validity of the merchant and / or transaction information is authenticated through the one- The transaction registration management unit 230 may store the received transaction information in association with the OTID and store the transaction information in a designated storage medium. Preferably, the OTID includes a validity time that is valid for a predetermined time, and the transaction registration management unit 230 stores and manages the OTID in a storage medium designated to hold the OTID for the valid time of the OTID .

The authentication result providing unit 235 authenticates the franchisee having the wireless device 300 through the OTID and transmits the transaction information to the franchisee through the operation app 420 And the authentication result information including the authentication result obtained by verifying the validity of the merchant information and / or the transaction information through the one-time code according to the method of operation, and provides the authentication result information to the operational application 420 do.

The operation application 420 of the user wireless terminal 400 outputs the transaction information based on the authentication result information and determines whether or not to process the payment transaction. (Or settlement request information) corresponding to the terminal-side settlement procedure to the designated settlement server 100 via the route, and the settlement server 100 transmits the transaction information (or settlement request information) (For example, by extracting the registered payment means and accepting the settlement of the transaction information) associated with the terminal-side settlement procedure performed in the operating app 420, Or a procedure for requesting payment approval to the financial institution server, etc.).

The payment server 100 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error), and transmits the confirmed settlement result information to the operation application The settlement result processing unit 240 may receive the settlement result information and provide the settlement result information to the merchant terminal 105 corresponding to the settlement result information, Information can be provided. Meanwhile, the payment result processing unit 240 can receive the payment result information from the operating app 420 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

More specifically, FIG. 3 shows a functional configuration of a wireless device 300 provided in a merchant for transmitting a designated wireless signal. As long as a person skilled in the art is familiar with the present invention, (For example, some of the components may be omitted, or subdivided or combined) with respect to the functional configuration of the affiliate shop-side wireless device 300. However, the present invention is not limited to the above- And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

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

The controller 302 is a collective term for controlling the operation of the wireless device 300. The controller 302 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 302 loads at least one program code included in the wireless device 300 through the processor and loads the program code into the execution memory, and outputs the result through at least one configuration To control the operation of the wireless 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 a nonvolatile memory included in the wireless 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 includes a system program code and a system data set corresponding to the operating system of the wireless device 300, a communication program code and a communication data set for processing a wireless communication connection of the wireless 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 wireless signal unit 308 is a collective term for transmitting (or broadcasting) a wireless signal of a specified wireless signal standard that can be received through the short range wireless unit 410 provided in the user wireless terminal 400, And a function of receiving a designated radio signal in addition to the function of transmitting (or broadcasting). The radio signal unit 308 modulates the information set generated through the controller 302 into a radio signal of a specified radio signal standard and outputs a signal having a designated signal intensity (for example, a signal capable of being received through the radio terminal 400 within a specified distance) Intensity, etc.) through an antenna (not shown). Alternatively, the radio signal unit 308 may receive the radio signal of the designated radio signal standard and transmit the acquired data to the control unit 302, and the control unit 302 may perform an information processing procedure corresponding to the data Can be performed.

According to the embodiment of the present invention, the radio signal unit 308 can transmit a Bluetooth-based asynchronous radio signal (for example, a radio signal broadcasted without specifying the receiving side (or without pairing) in the specification after the Bluetooth 4.0) have. Or the wireless signal unit 308 may transmit a Wi-Fi based asynchronous wireless signal. Alternatively, the wireless signal unit 308 may transmit a wireless signal of a NFC (Near Field Communication) standard. In this case, the wireless device 300 may operate in any one of a reader / writer mode, a tag mode, have. Alternatively, the radio signal unit 308 can transmit a radio signal of a RFID standard. That is, the radio signal unit 308 is a component that receives (or broadcasts) a recognizable radio signal through a radio signal-related component provided in a user wireless terminal 400 located at a nearby location, The present invention should not be construed as limiting the scope of the present invention to the components for transmitting radio signals of a specific radio signal standard.

Referring to FIG. 3, the wireless device 300 includes an amount input unit 315 (306) that receives a transaction amount through the input unit 306, and generates transaction information including the input transaction amount And a transaction information constructing unit 320 for generating the transaction information.

The money input unit 315 and 306 displays an interface for receiving a transaction amount through the output unit 304 and receives a transaction amount including a combination of numbers through the input unit 306. [ In addition, the wireless device 300 may include a sound unit (not shown) for receiving sound (or sound) in addition to the input unit 306. In this case, the amount input unit 315 (306) The user can voice-recognize the input sound signal and input a transaction amount including a combination of numbers.

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 the merchant that receives (or purchases) the wireless device 300 The transaction information configuring unit 320 may store the transaction amount input through the amount input unit 315 and the payment related information stored in the memory unit 310 such as merchant information and / Or settlement related information (for example, transaction date, etc.) obtained through the timer of the wireless device 300. [

Referring to FIG. 3, the wireless device 300 separately identifies a merchant having the wireless device 300, and simultaneously identifies a specific transaction corresponding to the transaction information uniquely for at least a certain period of time. To authenticate the validity of the transaction information identified for a certain period of time through the OTID and an affiliated shop (= a merchant having the wireless device 300) identified through the OTID, And a code generation unit 330 for generating a one-time code including a code value of the designated code system.

The OTID generating unit 325 separately identifies a franchisee having the wireless device 300 according to at least one embodiment of the first to sixth OTID generating embodiments of the present invention, OTIDs that uniquely identify a particular transaction for at least a certain period of time.

According to the embodiment of the present invention, the memory unit 310 stores a unique code, which is not redundantly determined, in order to uniquely identify a franchisee that receives (or purchases) the wireless device 300, In this case, the OTID generating unit 325 may store at least one unique code of at least one of the unique codes determined not to be duplicated in order to uniquely identify the at least one unique code. And stores the OTID having different code values for each transaction into the respective transaction amounts inputted through the amount input units 315 and 306 Can be generated.

According to the embodiment of the present invention, the OTID generating unit 325 identifies a unique code that uniquely identifies a franchisee having the wireless device 300, and reads the unique code only through a specified specific device / server It is possible to generate an OTID of a designated code system generated in a disposable manner so as to have a different code value for each transaction corresponding to each transaction amount. Preferably, the OTID generator 325 may generate a disposable OTID hidden from the unique code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only does it have uniqueness that identifies a particular object, identifies a particular object, does one-off identification of a particular transaction for a certain period of time, .

Meanwhile, according to another embodiment of the present invention, the OTID generator 325 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the wireless device 300 ), And at the same time, generates an OTID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction amount at least for a predetermined period of time, so that 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 point (= the merchant having the designated radio device 300) uniquely identified through the OTID, 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 wireless device 300 receives information for recognizing / confirming transaction information including the input transaction amount in the operating app 420 of the user wireless terminal 400 that has received the wireless signal And information for recognizing / confirming the OTID in the operating app 420 and information for recognizing the disposable code in the operating app 420 according to the conducting method, A configuration unit 335 and a signal transmission unit 340 for transmitting a radio signal including the transmission information configured through the radio signal unit 308

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

According to the second transaction amount transmission embodiment of the present invention, the transmission information configuration unit 335 transmits the transaction amount to the transaction information configuration unit 320 using the transaction amount input through the amount input unit 315 (306) In this case, the operating application 420 of the user wireless terminal 400 recognizing the wireless signal can recognize the transaction information configured through the wireless device 300 have.

According to the first OTID transmission embodiment of the present invention, the transmission information configuration unit 335 can configure transmission information including the OTID generated through the OTID generation unit 325. In this case, The operating app 420 of the recognized user wireless terminal 400 can recognize the OTID generated through the wireless device 300. On the other hand, when the radio device 300 is linked with a designated merchant terminal 105 through local communication, the transmission information configuring unit 335 transmits transmission information including the OTID provided from the merchant terminal 105 Can be configured.

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

Meanwhile, when the one-time code is generated through the code generation unit 330, the transmission information configuration unit 335 may configure the transmission information including the one-time code. In this case, The operating application 420 of the terminal 400 can recognize the disposable code generated through the wireless device 300. [

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

When the transmission information of the designated structure to be transmitted from the radio signal is configured through the transmission information configuration unit 335, the signal transmission unit 340 transmits the transmission information including the transmission information through the radio signal unit 308 (E.g., a signal strength that can be received through the wireless terminal 400 within a specified distance), and the wireless signal unit 308 processes the wireless signal of the designated wireless signal standard to transmit the signal And transmits the radio signal of the specified radio signal standard including the transmission information provided by the transmission unit 340.

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

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

4 illustrates a functional configuration of the operational application 420 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional configuration of the wireless terminal 400 is shown in FIG. It will be appreciated that the various embodiments of the functionality of the wireless terminal 400 may be referred to and / or modified by reference to FIG. 4. However, the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG. Preferably, the wireless terminal 400 of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

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

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

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

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

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

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

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

According to an embodiment of the present invention, the short range wireless unit 410 may receive a Bluetooth-based asynchronous wireless signal (for example, a Bluetooth signal that is broadcasted without specifying a receiver side Section. In this case, in addition to the function of receiving the Bluetooth-based asynchronous radio signal, the Bluetooth unit may provide a function of transmitting a Bluetooth-based asynchronous radio signal or a function of performing a Bluetooth-based two-way radio communication, Or more. If the local area network communication unit 412 operates based on the Bluetooth communication, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

According to an embodiment of the present invention, the short range wireless unit 410 may include a Wi-Fi unit for transmitting a Wi-Fi based asynchronous wireless signal. In this case, the Wi-Fi unit may provide a Wi-Fi based asynchronous wireless signal transmission function or a Wi-Fi based bidirectional wireless communication function in addition to the function of receiving the Wi-Fi based asynchronous wireless signal. Or more. Meanwhile, when the local area network communication unit 412 operates based on Wi-Fi, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

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

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

The wireless network communication unit 414 and the local area network communication unit 412 are collectively referred to as communication resources for connecting the wireless terminal 400 to a designated communication network. Preferably, the wireless terminal 400 may include a wireless network communication unit 414 as a basic communication resource, and may include one or more short-range network communication units 412.

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

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

The short-range network communication unit 412 collectively refers to a communication resource that connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connects the wireless terminal 400 to the communication network based on the communication session. , The wireless terminal 400 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the embodiment of the present invention, the short-range network communication unit 412 may be integrated with or separated from the wireless network communication unit 414. According to the present invention, the short-range network communication unit 412 connects the wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the mobile station 400 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 416, a program code for at least one IC chip (Or processing) the program code for the IC chip or extracts (or processes) the data set in accordance with at least one command transmitted from the wireless terminal 400 in connection with the input / output interface To the input / output interface.

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

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for confirming a wireless signal received from the affiliate point wireless device 300 through the short range wireless unit 410, And reads out the radio signal received from the franchise point wireless device 300 to recognize / check the transaction information including the predetermined transaction amount, separately distinguishes the franchisee having the wireless device 300, The OTID that uniquely identifies a specific transaction corresponding to the transaction information including the transaction amount input through the input unit 406 for at least a predetermined period of time is recognized and confirmed and the OTID generated by the wireless device 300 A signal recognizing unit 430 for recognizing the disposable code, recognition information including OTIDs and disposable codes recognized / confirmed through the signal recognizing unit 430, and transmitting identification information to be transmitted to the designated operation server 200 Unit 435, A transaction information transmitting unit 440 for transmitting transaction information recognized / confirmed by the signal recognizing unit 430 to the operation server 200, and an authentication unit 430 for authenticating an authentication procedure using the recognition information from the operation server 200 And a settlement processing unit 455 for confirming whether or not to execute the settlement processing of the transaction information and performing the settlement procedure of the transaction information upon confirmation of the settlement processing execution, And a transaction information display unit 450 for outputting the recognized / registered transaction information through an interface screen.

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

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

When the OTID and the disposable code and the transaction information are recognized / confirmed through the signal recognition unit 430, the recognition information transmission unit 435 transmits the OTID recognized and confirmed through the signal recognition unit 430 and the disposable code And transmits the recognition information to the designated operation server 200. The operation server 200 receives the recognition information including the OTID and the disposable code from the operation application 420. [

Meanwhile, the transaction information transmission unit 440 transmits the recognized / confirmed transaction information to the operation server 200, and the operation server 200 receives the transaction information from the operation application 420.

Meanwhile, when the transaction information includes information such as merchant information, the operation server 200 compares the information included in the received transaction information with the information registered in the operation server 200, and responds to the transaction information It is possible to confirm that the franchisee having the wireless device 300 is a franchisee.

On the other hand, the operating server 200 receiving the recognition information reads the OTID of the recognition information, and can identify and authenticate a franchisee having the wireless device 300 that transmits a radio signal designated by the merchant corresponding to the transaction information have. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200 to register the transaction information, (300).

Meanwhile, when the disposable code is included in the identification information, the operation server 200 transmits predetermined seed information (for example, seed information mapped to a unique code hidden in OTID, or unique identification authenticated through OTID) Authenticating the validity of the disposable code through a verification code generated by using the seed information (or by requesting authentication through a separate code server) to identify the unique identifier through the OTID, Authenticate the validity of the transaction information uniquely identified for a certain period of time through the identified merchant and / or the OTID.

Wherein the merchant corresponding to the transaction information is identified and authenticated as a merchant having a wireless device (300) that transmits a designated radio signal, and the validity of the identified merchant and / or transaction information is authenticated through the one- The operation server 200 can store and manage transaction information with the OTID in a designated storage medium. Meanwhile, the operation server 200 uniquely identifies the merchant having the wireless device 300 through the OTID, and transmits the transaction information through the operating app 420 to the transaction information of the merchant having the designated wireless device 300 And transmits and transmits the authentication result information including the authentication result obtained by verifying the validity of the merchant information and / or the transaction information through the one-time code according to the method. The authentication result receiving unit 445 Receives the authentication result information from the operation server 200.

The transaction information display unit 450 displays the recognized / registered transaction information on the designated interface screen set in the app. Preferably, the transaction information display unit 450 reads a user operation on the interface screen and confirms whether the settlement process for the transaction information is determined to be executed. Meanwhile, even if the transaction information is not displayed, the transaction information display unit 450 displays an interface screen for guiding the user to determine whether or not to execute the payment process by recognizing the OTID, reads the user operation on the interface screen, It can be confirmed whether or not the settlement processing for the transaction information is determined to be executed.

Upon confirmation of execution of payment processing for the transaction (or transaction information) to be identified through the OTID, the payment procedure processing unit 455 displays the transaction information (omitted) through the payment interface specified in the application, It is possible to perform the established terminal side settlement procedure. Preferably, the payment request information of the transaction information may be generated through the settlement processing unit 455 through the terminal side settlement procedure.

According to an embodiment of the present invention, the payment procedure processing unit 455 reads out the authentication result information, performs the terminal side settlement procedure for the transaction information when the authentication success is confirmed, and interoperates with the performed terminal side settlement procedure And transmits the transaction information (or payment request information) to the payment server 100 of the specified payment system through the designated path.

The payment server 100 may receive the transaction information (or payment request information), and may perform a server-side payment procedure associated with the terminal-side payment procedure performed through the operating app 420. [

The payment server 100 confirms the payment result information including the settlement result of the settlement procedure (for example, payment approval or settlement error, etc.), and transmits the confirmed payment result information to the operating app 420 and / And the payment procedure processing unit 455 may receive the payment result information from the payment server 100 and output the payment result information.

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

More specifically, FIG. 5 illustrates an embodiment of an information registration process for reverse payment using a wireless device provided at an affiliate store, and a process of implementing or interlocking the block chain network 110 for block-listing transaction details 5, the information registration process and various implementations of the block chain network 110 for implementing / interworking processes (for example, refer to FIG. 5) may be performed by a person skilled in the art, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention is not limited to the disclosed embodiments, No.

5, an affiliate shop terminal 105 (or a separate operating terminal) operated by an affiliated store having a wireless device 300 for transmitting a designated wireless signal transmits a designated operation server 200 to a merchant shop (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 (105) Related information from the terminal 105 (or a separate operating terminal), and stores the registered information in a designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 105 (or the separate operating terminal) of the merchant having the wireless device 300 transmits a unique code that uniquely identifies the merchant having the wireless 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, when a merchant having the wireless device 300 generates a one-time code during reverse payment using the wireless device 300, the merchant terminal 105 (or another operating terminal) generates the one- (525), the operating server (200) transmits a seed value for confirming / determining the seed value necessary for authenticating the one-time code to be generated during the reverse payment based on the wireless 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 105 (or another operating terminal) may store the seed information registered in the operating server 200 in the merchant-point-side wireless device 300.

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

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

FIG. 6 is a flowchart illustrating a method of setting transaction information including the transaction amount when the transaction amount is input in the wireless device 300 of the merchant, generating the OTID and the disposable code, And the operation application 420 of the user wireless terminal 400 reads the radio signal and recognizes the OTID and the disposable code and transaction information. Those skilled in the art will appreciate that various implementations of the wireless signal transmission and / or recognition process (e.g., omitting some steps or changing the sequence) may be implemented by referring to and / 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 OTID may be configured / generated based on information recognized through the wireless signal in the operating app 420 of the user wireless terminal 400, Or OTID, in the scope of the present invention.

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

Meanwhile, the wireless device 300 confirms a unique code that uniquely identifies a merchant having the wireless device 300 (610). If a unique code that uniquely identifies a franchisee with the wireless device 300 is identified, the wireless device 300 hides the identified unique code so that it can be read only through the designated specific device / server, And simultaneously generates an OTID that uniquely identifies a specific transaction corresponding to the input transaction amount for at least a predetermined period of time (615). Preferably, the wireless device 300 uniquely identifies the merchant having the wireless device 300 through at least one of the first through sixth OTID generation embodiments of the present invention, An OTID can be generated that uniquely identifies the corresponding particular transaction for at least a certain period of time (615).

Meanwhile, the wireless 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, and transmits the seed value to an object (for example, (620) a one-time code of a specified code system for authenticating a merchant with a merchant (300) and / or a merchant with a wireless device (300).

The wireless device 300 includes transaction information including the generated OTID, 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) a radio signal including the transmission information through a radio signal of a designated radio signal standard, and transmits the radio signal transmitted from the radio device (300) to a nearby user And is received by the wireless terminal 400.

(Or activated) to the designated operating application 420 in the user wireless terminal 400 through the local wireless unit 410 of the user wireless terminal 400 It is checked whether a radio signal of the designated radio signal standard transmitted through the radio device 300 is received (640). If it is confirmed that the wireless signal of the designated wireless signal standard transmitted through the merchant wireless device 300 is received (630), the operating app 420 of the user wireless terminal 400 reads the received wireless signal And recognizes / confirms the OTID and the disposable code and transaction information (645). Preferably, the operating app 420 of the user wireless terminal 400 is connected to the merchant's wireless device 300 through at least one of the first through fourth operating app embodiments of the present invention The wireless signal may be received and read to recognize the OTID and the disposable code and transaction information (645), and the recognized / verified transaction information may be output (650).

FIG. 7 is a diagram illustrating an identification and authentication process for reverse payment according to an embodiment of the present invention.

In more detail, FIG. 7 shows a case where the radio signal transmitted from the affiliate point wireless device 300 is read from the operating app 420 of the user wireless terminal 400 and the recognition information and transaction information including the OTID and the disposable code are recognized The operation application 420 transmits the identification information and the transaction information to the specified operating server 200 to identify and authenticate the user. In the present invention, It will be possible to refer to and / or modify the FIG. 7 to various implementations of the identification and authentication process (e.g., omitting some steps or changing the order) All the methods of implementation are included, and the technical characteristics thereof are not limited only by the method shown in FIG.

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

The operation server 200 reads the OTID of the received recognition information (e.g., decodes the received OTID through a decoding rule corresponding to the encoding rule that generated the OTID), reads the unique code concealed in the OTID (710) (715) by authenticating the franchisee visited by the user of the wireless terminal 400, that is, the franchisee having the wireless device 300, using the information registered through the process of Fig. 5 and the read unique code, , And can authenticate and authenticate the merchant corresponding to the transaction information to the merchant having the wireless device 300 that transmits the designated wireless signal.

If the merchant having the wireless device 300 is not authenticated by the OTID, the operation server 200 provides the OTID authentication error to the operating application 420 in operation 720, The operation application 420 receives the authentication error from the operation server 200 and outputs it (725).

Meanwhile, when the merchant having the wireless device 300 is authenticated and authenticated through the OTID and the disposable code is included in the identification information, the operation server 200 reads out the OTID from the OTID (730) confirming the validity of the disposable code by confirming the seed information registered in association with the unique code (or the merchant-related information of the identified and authenticated merchant) and using the confirmed seed information (730) And the validity of the transaction information.

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

Meanwhile, if the validity of the merchant / transaction information is authenticated through the one-time code, the merchant is authenticated and authenticated to the merchant having the wireless device 300 that transmits the designated radio signal to the merchant corresponding to the transaction information through the OTID, The operation server 200 associates and stores the transaction information with the OTID (735), forms the authentication result information of the authentication procedure using the OTID of the recognition information and the disposable code, and provides the authentication result information to the operating app 420 (740 The operational application 420 may receive the authentication 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 reverse payment process according to an embodiment of the present invention.

More specifically, FIG. 8 shows a case where the validity of the transaction information recognized through the radio signal is authenticated through the OTID received and recognized by receiving the radio signal transmitted from the merchant-side radio apparatus 300, And the recognized operating application 420 performs the payment transaction procedure of the authenticated transaction information. As shown in FIG. 8 and FIG. 7, if a person skilled in the art is familiar with the present invention, The present invention can be applied to various methods (for example, a method of omitting some steps or a method of changing the order) of the reverse payment process. And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, recognition information including OTID and disposable code recognized / confirmed through the wireless signal received from the merchant-side wireless device 300, and transaction information recognized / confirmed through the wireless signal, The operation application 420 of the user wireless terminal 400 transmits the transaction information to the operation server 200 through the operation server 200. When the transaction information is authenticated through the operation server 200 as the transaction information of the affiliated store including the wireless device 300, It is checked whether a settlement process for the transaction information is determined (800). If the settlement process for the transaction information is determined, the operating app 420 displays the transaction information through the designated settlement interface to perform a predetermined terminal-side settlement procedure (805) (Or payment request information) corresponding to the terminal-side payment procedure to the payment server 100 of the system (810), and the payment server 100 transmits the transaction information (or the payment request information) Information (or payment request information) is received (815). The payment server 100 performs a predetermined server-side payment procedure for the transaction information (or the payment request information) (820), and the settlement server 100 performs a payment process for the payment procedure performed for the transaction information (or the payment request information) The result information is confirmed (825).

If the payment result information is confirmed, the payment server 100 provides the payment result information to the operating app 420 of the user wireless terminal 400 in operation 830, And receives and outputs the information (835).

Meanwhile, the payment server 100 provides the settlement result information to the designated operation server 200 in operation 840. The operation server 200 receives the settlement result information from the settlement server 100 in operation 845, The payment result information is provided to the designated merchant terminal 105 in step 850, and the merchant terminal 105 receives and outputs the payment result information in step 855.

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

In more detail, FIG. 9 is a flowchart illustrating a method of generating a transaction history including a settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm, And a process of performing the block chaining process of the generated transaction ledger details through the transaction unit 110 by referring to FIG. 9 and / or the modification (For example, omitting some steps or changing the order) of the transaction management process using the block chain, the present invention may include all the methods of the inferred embodiments And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 9, a block chain network (hereinafter referred to as &quot; block chain &quot;) for block-chaining transaction history details of a specified structure via N (N? 2) node devices 115 operating in accordance with a block- 110, or when the payment result information is confirmed through the process of FIG. 8, the operation server 200 determines whether or not the block structure information A procedure for generating a transaction history including the settlement result of the settlement result information is performed (900).

According to an embodiment of the present invention, the operation server 200 may include a M &lt; RTI ID = 0.0 &gt; (M2) &lt; / RTI & (900) that includes the specified m (1? M? M) pieces of information corresponding to the structure.

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (900).

According to the embodiment of the third transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i pieces of non-disclosure object information are identified, the operation server 200 generates hash information having the one-way hash of the identified j pieces of non-disclosure information through the hash algorithm, and outputs (mj) 900 of the transaction history including the openable information and the generated hash information may be generated.

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i pieces of secret object information are confirmed, the operation server generates cryptographic information in which the identified j pieces of private information are encrypted by using a cryptographic method in which the operation server encrypts only the decrypted contents using a specified decryption key, (Mj) pieces of publicly available information and the generated password information (900).

According to an embodiment of the fifth transaction history of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and selects M (M &gt; = 2) (900) a transaction history containing a specified m (1? M? M) pieces of information corresponding to a specified history structure that can be block chained by the block chain algorithm of the block chain network.

According to an embodiment of the sixth transaction history of the present invention, the operation server 200 confirms a payment approval result included in the payment result information, and selects one of M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (900).

According to an embodiment of the seventh transaction ledger of the present invention, the operation server 200 confirms the payment approval result included in the payment result information, and extracts M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 &lt; = j &lt; m) non-disclosure object information. When the i pieces of secret object information are confirmed, the operation server 200 generates hash information having one-way hashed hash information of the confirmed j pieces of secret information through the specified hash algorithm, and outputs (mj) 900 of the transaction history including the openable information and the generated hash information may be generated.

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. When the i pieces of secret information are confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of private information through a cryptosystem for decrypting only the decryption key using the designated decryption key, (900) including the (mj) disclosable information included in the approval result and the generated password information.

According to an embodiment of the present invention, the operation server 200 may perform at least one of the first through eighth transaction history details by at least partially combining the block chain algorithm (900), and the present invention can also include such an embodiment as well as the scope of the present invention.

When the transaction history details of the specified detail structure capable of block chaining are generated through the block chain algorithm of the designated block chain network 110, the operation server 200 transmits the generated transaction history details to the block chain network 110 And performs a block chaining procedure (905).

The node device 115 on the block-chain network 110 collects (910) a specified number of transaction history details broadcasted to the block-chain network 110 according to a specified block-chain algorithm. If the specified number of transaction history details are collected, the node device 115 on the block-chain network 110 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 115 (915) a process of requesting a consent request and / or validating a new block requested to be concluded from another node device 115 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction history is chained, the node device 115 on the block-chain network 110 transmits a transaction ledger block including (or loading) the chained effective block (920), and stores the configured transaction history block in each node device (115) in a distributed manner (925).

Meanwhile, the operation server 200 checks 930 whether the number of transaction details broadcasted to the block-chain network 110 is less than a designated reference number for a specified reference time. If the number of transaction history details broadcasted to the block-chain network 110 is less than a specified reference number during the specified reference time, the operation server 200 transmits a transaction broadcast to the block- (935) to generate a specified number of dummy transaction history details to maintain the number of book details to be equal to or greater than the designated reference number and broadcast the information to the block chain network (110). On the other hand, when a transaction history history of a specified reference number or more is broadcasted to the block chain network 110 for a specified reference time, the node device 115 on the block chain network 110 notifies the block chain network 110 of the designated number (910), generates a new block including the collected details of the transaction history, performs a procedure of requesting agreement with a valid block through another node device (115), and / A procedure of verifying the new block requested by the node device 115 and chaining it to a valid block is performed (915), and a transaction ledger block containing (or loading) the chained valid block is constructed (920) And distribute it to the node device 115 (925).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 110 and broadcasts the transaction history to the block-chain network 110 in association with the block-chain process of the block-chain network 110 within a predetermined time The transaction history is managed so as to effectively block-chain (940).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 115 among the N node devices 115 included in the block chain network 110 (940). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 200 may interwork with one or more node devices 115 provided in the block-chain network 110, (Step 940) to intervene in the block chain algorithm executed through the apparatus 115 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A new block including the broadcast transaction history is generated through at least one node device 115 among the N node devices 115 provided in the block chain network 110 in a predetermined time, It may be determined 940 that a procedure for negotiating with one or more other node devices 115 provided in the chain network 110 is performed. If a new block including the broadcast transaction details is generated within a predetermined period of time and a consensus procedure is not performed, the operation server 200 may send a request to the one or more node devices 115 ) Or intervenes in a block chain algorithm executed through the node device 115 to process a new block including the broadcast transaction history details so that a new block is concluded (940).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details in a predetermined period of time is transmitted to N node devices 115 included in the block- (940). &Lt; / RTI &gt; If a transaction ledger block including (or loading) the valid block including the broadcasted transaction ledger details within a predetermined time is distributed to the N node devices 115 included in the block-chain network 110 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 115 provided in the block-chain network 110, (Or loaded) valid block including the generated or agreed effective block including the details of the transaction history can be distributedly stored in the N node devices 115 provided in the block-chain network 110 (940).

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

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

100: payment server 105: merchant terminal
110: block chain network 115: node device
200: Operation server 205: Information storage unit
210: recognition information receiving unit 215: transaction information receiving unit
220: inherent authentication processing unit 225: code authentication unit
230: transaction registration management unit 235:
240: settlement result processing unit 270: transaction ledger history generating unit
275: Block Chaining Process Unit 280: Block Chain Management Unit
285: block chain operating unit 300: wireless device
310: memory unit 315: amount input unit
320: Transaction information configuring unit 325: OTID generating unit
330: code generation unit 335: transmission information configuration unit
340: Signal transmitter 400: User wireless terminal
410: Short Range Wireless Unit 420: Operational App
425: Signal verification unit 430: Signal recognition unit
435: recognition information transmission unit 440: transaction information transmission unit
445: Authentication result reception unit 450: Transaction information display unit
455: Payment Process Processor

Claims (14)

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

Images