KR20190083168A - Method for Providing Asynchronous Reverse Direction Payment by using Sound Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a sound wave device and a blockchain. The method executed through an authentication server and a payment application executed in a wireless terminal of a user includes: a first step of interconnecting a pre-formed blockchain network; a second step of confirming a uniquely generated identification (UGID); a third step of transmitting recognition information including information corresponding to the UGID; a fourth step of receiving the recognition information including the information corresponding to the UGID; a fifth step of confirming authentication result information; a sixth step of providing the authentication result information to a payment application; a seventh step of conducting a payment process for the payment processing of the transaction information; and an eighth step of generating a transaction book record including a payment result of payment result information.

Description

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

The present invention relates to a method and apparatus for reading transaction information including a predetermined transaction amount input through the sound wave device by reading the sound wave signal from a designated payment application of a user wireless terminal transmitted from a separate sound wave device provided at an affiliate shop, (Or a sound pattern matching UGID) after recognizing / confirming a unique UGID (Uniquely Generated IDentification) generated to uniquely identify a specific transaction corresponding to the transaction information, And transmits the recognized information to the authentication server associated with the payment application, and identifies / recognizes the recognized / confirmed transaction information through the identification information as transaction information of an affiliated store having the specified sound wave device, After processing the payment information of the transaction information, the payment result of the payment result information processing the payment is block-chained Storage management.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to overcome the above problems is to provide a method and a system for reading out a sound wave signal from a designated payment application of a user wireless terminal transmitted from a separate sound wave device provided at a merchant, Authenticating the transaction information including the money and the merchant having the sound wave device separately, and recognizing / confirming the generated Unique Generated IDentification (UGID) to uniquely identify the specific transaction corresponding to the transaction information, Transmits the recognition information including the UGID (or the sound wave pattern matched with the UGID) to the authentication server associated with the payment application, and transmits the recognized / confirmed transaction information to the transaction of the merchant having the designated sound wave device And processing the settlement procedure of the transaction information through the payment app when identifying and authenticating with the information The present invention provides a synchronous reverse payment method and a synchronous reverse payment method. In order to solve the above problems, the present invention provides a synchronous reverse payment method, comprising: reading out sound wave signals from a designated payment application of a user wireless terminal, (UGID) generated to separately identify a specific transaction corresponding to the transaction information, and to authenticate the transaction information including the predetermined transaction amount inputted through the sound wave device and the merchant having the sound wave device separately, Generated IDentification) and transmits recognition information including the UGID (or a sound wave pattern matched with the UGID) to an authentication server associated with the payment application, and transmits the recognized / verified transaction information through the recognition information When the identification information is authenticated by the transaction information of the merchant having the specified sound wave device, The present invention also provides an asynchronous reverse payment method using a block chain and a sound wave device that stores and manages the payment result of the payment result information processed by block-chaining after storing the payment result information.

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

The asynchronous reverse payment method using the sound wave device and the block chain according to the present invention is executed by the payment application executed in the user wireless terminal which receives the specified sound wave signal transmitted from the near side through the separate sound wave device provided at the merchant and the authentication server (N > = 2) node devices operating according to a specified block-chain algorithm, the method comprising the steps of implementing a block-chain network for block- And a payment application of a user's wireless terminal receiving the sound wave transmitted from the sound wave device at the merchant's point reads the received sound wave signal and performs a predetermined transaction The transaction information including the amount of money is identified, and the merchant having the sound wave device is separately identified A second step of simultaneously identifying a generated UGID (Uniquely Generated IDentification) to uniquely identify a specific transaction corresponding to the transaction information; and a second step of, when the payment application transmits the recognition information including information corresponding to the UGID A fourth step of receiving authentication information including information corresponding to the UGID via the designated path, and a fourth step of transmitting the authentication information to the operation server managing the UGID And transmits the authentication result information obtained by uniquely identifying the franchisee having the sound wave device through the UGID from the operation server or by reading the UGID of the recognition information and uniquely identifying the franchisee having the sound wave device A fifth step in which the authentication server provides the authentication result information to the payment application, A step in which the application performs a payment procedure for payment processing of the transaction information on the basis of the authentication result information; and a seventh step in which the operation server confirms payment result information processing the payment, An eighth step of generating a transaction record detail including the settlement result of the settlement result information in a specified history structure, and a ninth step of performing a block chaining process of the generated transaction history details through the block chain network .

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

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

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

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

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

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

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

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

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

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

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

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
FIG. 3 is a diagram showing a functional configuration of a sound wave device of a franchise point according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
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 sound wave signal for reverse payment according to an embodiment of the present invention.
7 is a diagram illustrating a process of performing an uplink payment procedure according to an embodiment of the present invention.
8 is a diagram illustrating a reverse payment approval 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.

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

1 is a block diagram illustrating a configuration of a mobile terminal 400 according to an exemplary embodiment of the present invention. Referring to FIG. 1, the sound wave signal is read from a designated payment application 420 of a user wireless terminal 400 transmitted from a separate sound wave device 300 provided at an affiliate shop, (UGID) generated to separately identify the specific transaction corresponding to the transaction information, and to authenticate the transaction information including the inputted transaction amount and the merchant having the sound wave device 300 separately, And transmits the recognition information including the UGID (or a sound wave pattern matched with the UGID) to the authentication server 100 associated with the payment application 420. The recognition / A system for processing the payment information of the transaction information through the payment application 420 at the time of identifying and authenticating the confirmed transaction information with the transaction information of the merchant having the specified sound wave device 300 1 is a block diagram illustrating the structure of a reverse payment system using a sound wave device 300 according to an embodiment of the present invention. Referring to FIG. 1, 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 particular embodiments set forth herein, It is not limited.

The system of the present invention includes a predetermined transaction amount, which is provided to a designated franchisee and is input for settlement of the franchisee, uniquely identifies the franchisee, and includes information for uniquely identifying a specific transaction of the franchisee A sound wave device 300 of a merchant point for transmitting a signal at a short distance, a sound wave device 300 for recognizing various information included in a sound wave signal transmitted through the merchant sound wave device 300, And an operation server 200 interworking with an authentication server 100 associated with the payment application 420 of the user wireless terminal 400. The billing application 420 is installed in the billing application 420, An authentication server 100 interlocked with the payment application 420 of the user wireless terminal 400 and interworking with the operation server 200 and a payment server 420 provided on the payment system, barrel And a settlement server 105 for performing a server-side settlement procedure corresponding to the settlement procedure to be performed, and the merchant terminal 110 for registering information specified in the operation server 200 according to an embodiment . According to an embodiment of the present invention, the operation server 200 is a block chain that blocks the transaction history details of a specified structure via N (N? 2) node devices 120 operating according to a specified block chain algorithm A function of implementing the network 115 or interworking with the implemented block chain network 115, a function of confirming the settlement result information that has processed the settlement, and a function of displaying the transaction history including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 115. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

The merchant terminal 110 is a collective term for a terminal operated by an affiliated store having a sound wave device 300 for transmitting a specified sound wave signal and is capable of communicating with the operation server 200 through a communication network, Or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 and / or to receive the payment result information of the sound wave device 300 based on the present invention from the operation server 200 have. The merchant terminal 110 may be a merchant terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each merchant or a merchant wireless terminal (e.g., a smart phone, a mobile phone, ) Or a wireless terminal owned by a merchant (or an employee), and is not limited to a specific terminal.

According to the embodiment of the present invention, the merchant terminal (110) can perform a predetermined information registration procedure for the reverse payment using the sound wave device (300) to the designated operation server (200). Preferably, the merchant terminal 110 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / business name, business number, etc.) to the designated operating server 200 can do. On the other hand, the merchant terminal 110 stores the merchant information given to the merchant in a designated storage area for a predetermined payment (for example, a forward payment for transferring the specialties to the card issuer from the merchant terminal via the VAN) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the franchise-point-side terminal 110 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 110 among terminals included in the franchisee, information given to the franchise terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The merchant terminal 110 (or a separate operating terminal (not shown) associated with the operating server 200) transmits a designated unique code (for example, a merchant with a sound wave device 300 that transmits a specified sound wave signal And / or a separate unique code that uniquely identifies the merchant-side terminal 110 operated by the merchant with the sound wave device 300, and / A unique code that uniquely identifies the sound wave device 300 that transmits the sound wave signal, and the like), and processes the unique code to be registered through the designated operation server 200.

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

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 110 of the merchant having the sound wave device 300 . If the merchant terminal 110 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal is information provided to identify only the merchant terminal irrespective of whether the corresponding merchant terminal is provided with the sound wave device 300. On the other hand, The unique code includes the sound wave device 300 at an affiliated store so that a unique code value is determined which is not redundantly determined in order to uniquely identify the affiliated store terminal 110 provided at the affiliated store including the sound wave device 300. [ . &Lt; / RTI &gt;

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

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

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

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

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

According to the third specific code checking embodiment of the present invention, the merchant terminal 110 may access the operation server 200 during / after communication connection (or performing a predetermined information registration procedure) with the designated operation server 200, And a procedure for exchanging / agreeing a code value determined not to be duplicated by performing a designated code exchange procedure, and can confirm a unique code including the exchanged / agreed code value.

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

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

According to the sixth specific code checking embodiment of the present invention, the merchant terminal 110 may at least partially combine at least two of the first to fifth unique code checking embodiments to determine a unique code that is not redundantly determined The present invention is not limited thereto.

According to the embodiment of the present invention, the merchant terminal 110 transmits the unique code confirmed through at least one of the first through sixth unique code checking embodiments to the merchant terminal 110 (or merchant (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale terminal (300) associated with the terminal (110).

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

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

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

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

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

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

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

According to the embodiment of the present invention, the merchant-side sound wave device 300 is uniquely identified for a certain period of time through the UGID and an affiliated shop (= a merchant having the specified sound wave device 300) uniquely identified through the UGID A single-use code including a code value of a designated code system can be generated to authenticate the validity of a specific transaction. To this end, the merchant terminal 110 (or designated operation (For example, a rule for determining a fixed seed value and / or a seed value) to authenticate the validity of a disposable code generated by the merchant-side sound wave device 300, The sound wave device 300 of the merchant shop can exchange the operation server 200 and the disposable code 200 via the merchant terminal 110. [ The seed information for generating / authenticating the seed information can be stored and managed. Preferably, the operation server 200 can map and store the seed information and the unique code, and the operation server 200 may store at least one of merchant registration information, merchant registration information, and terminal information And the seed information can be stored and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code is used as the seed information, the process of registering the separate seed information may be omitted, and thus the present invention is not limited thereto.

In the reverse payment based on the sound wave device 300 according to the present invention, the merchant-side sound wave device 300 includes an input unit 306 for receiving a predetermined transaction amount, and the sound wave device 300 (Or an employee) who possesses (or operates) a predetermined amount of money for reverse payment. When the transaction amount is input, the merchant-side sound wave device 300 reads the sound wave signal from the designated payment application 420 of the user wireless terminal 400 that receives the sound wave signal, The payment application 420 includes information necessary for recognizing / confirming the transaction information. In the payment application 420, the franchisee having the sound wave device 300 is separately authenticated and authenticated, and the specific transaction corresponding to the transaction information is uniquely identified And transmits the specified sound wave signal including the information necessary for recognizing / confirming the generated UGID to the specified signal strength (for example, a signal strength reachable up to a preset distance) in a short distance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The payment application 420 of the user wireless terminal 400 receiving the sound wave transmitted from the franchise point side sound wave device 300 reads the sound wave signal and recognizes / confirms the transaction information including the predetermined transaction amount Identifies a merchant having the sound wave device 300 separately, identifies / verifies a generated UGID to uniquely identify a specific transaction corresponding to the transaction amount, and controls the sound wave device 300). &Lt; / RTI &gt; Hereinafter, it will be apparent that the present invention is not limited to the embodiments in which the payment application 420 recognizes / confirms both the UGID, the disposable code and the transaction information for convenience.

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

The user wireless terminal 400 is a collective term of a wireless terminal having a sound wave signal related component capable of receiving a sound wave signal transmitted through the affiliated store-side sound wave device 300 by a user, An operation app for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device 300 is installed and confirmed by using the UGID recognized through the operating app, A payment application 420 for performing a payment procedure may be installed.

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

According to the second embodiment of the present invention, the payment application 420 of the user wireless terminal 400 may be operated by the user (or a designated application running) before the sound wave signal is transmitted from the merchant sound wave device 300 (Or activated) by the user wireless terminal 400 and the payment application 420 may be driven (or activated) to determine whether to transmit or receive a sound wave signal to the member shop side sound wave device 300 It is possible to display an interface screen. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 300 by the user based on the interface screen, the payment application 420 transmits the sound wave signal to the merchant sound wave device 300 through the sound wave output unit 408 of the user wireless terminal 400 The merchant-side sound wave device 300 may transmit the request signal requesting the merchant-side sound wave device 300 to transmit the specified sound wave signal, and the merchant-side sound wave device 300 may include the UGID, the disposable code and transaction information based on the request signal It is possible to transmit a sound wave signal.

According to the embodiment of the present invention, the request signal may include an identifier that identifies the user wireless terminal 400 (or the payment application 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side sound wave device 300 may transmit the sound wave signal including the UGID, the disposable code, and transaction information and including the identifier. In this case, the payment application 420 of the user wireless terminal 400 reads the digitized data of the inputted sound wave signal and recognizes the identifier, so that the inputted sound wave signal is transmitted to the sound wave device It is possible to recognize that the signal is a sound signal transmitted through the speaker 300.

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

According to the embodiment of the third aspect of the present invention, the payment application 420 of the user wireless terminal 400 transmits the sound wave signal designated by the sound wave device 300 of the affiliated shop, (Or activated). The payment application 420 activated (or activated) by receiving the sound wave signal can read the digitized data of the input sound wave signal and recognize the UGID, the disposable code and the transaction information included in the sound wave signal.

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

When at least one of the first to fourth embodiments of the present invention operates to recognize the UGID and the disposable code and the transaction information included in the sound wave signal input from the sound wave device 300, ) Can output the transaction information through a designated interface screen on the application screen. On the other hand, the user of the payment application 420 can determine whether or not to process the transaction information based on the output transaction amount, and to process the transaction screen information on the interface screen when determining the payment transaction of the transaction information You can tell.

When it is determined by the user to process payment of the transaction information, the payment application 420 confirms the payment processing decision of the transaction information, and when the payment transaction of the transaction information is determined, Information can be output (it can be omitted if it has already been outputted).

According to the method of the present invention, the payment application 420 performs a procedure of registering the designated payment means at the first operation after installation in the payment server 105 (or the financial company server issuing the payment means) on the specified payment system And may perform a terminal side settlement procedure (e.g., a procedure for inputting and authenticating a PIN, etc.) for processing settlement of the transaction information through the registered payment means when confirming predetermined transaction information. The payment server 105 performs a server-side payment procedure associated with the terminal-side payment procedure (for example, a process of extracting a registered payment means to approve payment of transaction information or request payment approval to a financial company server) can do.

The payment application 420 may transmit the identification information including the UGID and the disposable code to the authentication server 100 associated with the payment application 420 within a specified validity time, Receives the recognition information including the UGID and the disposable code from the payment application 420, and can relay the received recognition information to the designated operation server 200. [

The operation server 200 receives the identification information including the UGID and the disposable code from the authentication server 100 associated with the payment application 420 of the user wireless terminal 400, It is possible to authenticate the merchant having the device 300 to authenticate that the transaction information recognized by the payment application 420 is the transaction information of the merchant having the specified sound wave device 300. [

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

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

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

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

Meanwhile, when the identification information includes the one-time code and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits information on the affiliate shop corresponding to the identified and authenticated affiliate shop (Or a unique code read from the UGID), and based on the seed information, identifies at least one fixed seed value and at least one dynamic seed value (e.g., a time value corresponding to the current time And / or a value exchanged with the server side for authenticating the disposable code) to a designated code generation algorithm to generate a verification code of the specified code system, and compare the one-time code included in the recognition information with the verification code, The validity of the one-off code can be verified. Here, the UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 ) Of the transaction information of the merchant, the transaction information being uniquely identified for a predetermined period of time through the UGID, and the like). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

An authentication procedure for uniquely identifying and authenticating a franchisee having the sound wave device 300 through the UGID included in the recognition information is performed and an authentication procedure for authenticating the one-time code included in the recognition information is performed according to the method The operation server 200 configures the authentication result information including the authentication result of the authentication procedure performed using the recognition information, and transmits the authentication result information to the authentication server 100.

Meanwhile, according to the extended method of the present invention, when the authentication procedure performed using the recognition information is authenticated, the operation server 200 determines the transaction amount corresponding to any transaction information identified through the authentication procedure, (For example, merchant information, etc.), and provide the transaction information to the authentication server 100. Accordingly, the present invention is not limited thereto. The transaction information provided from the operation server 200 is provided to the payment application 420 of the user wireless terminal 400 and displayed on the screen and / or relayed to the payment server 105 designated by the authentication server 100 Be processed for use in the payment procedure.

According to an embodiment of the present invention, the payment application 420 of the user wireless terminal 400 transmits the recognition information to the authentication server 100 to perform a specified authentication process through the designated operation server 200 The authentication server 100 may receive the authentication result information provided from the operation server 200. [ The payment application 420 reads the authentication result information and performs the designated terminal side payment procedure at the time of successful authentication (but before the authentication information is transmitted to the authentication server 100, the payment application 420 outputs the transaction information to the payment interface, (Or payment request information including the transaction information and the payment means information (or the payment means identifier that identifies the payment means information registered on the server side) in association with the transaction information The payment server 420 receives the transaction information (or the payment request information) from the payment application 420 and transmits the transaction information to the payment server 105, Side settlement procedure associated with the terminal-side settlement procedure is performed through the terminal-side settlement procedure. Meanwhile, the payment application 420 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

The payment server 105 receives the transaction information (or payment request information) from the authentication server 100 (or the payment application 420) and transmits the transaction information (or the payment request information) to the payment server 420 (For example, a process of extracting a registered payment means to approve payment to transaction information, or a process of requesting payment approval to a financial company server, etc.).

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error), and transmits the confirmed settlement result information to the authentication server (Or payment application 420), and the authentication server 100 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200, The operation server 200 may provide the payment result information to the designated merchant terminal 110. Meanwhile, the payment server 105 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200 according to the embodiment, and thus the present invention is not limited thereto.

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

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

The operation server 200 according to the embodiment of the present invention can operate in cooperation with the authentication server 100 connected to the payment application 420 installed in the user wireless terminal 400, Side terminal 110 of the mobile communication terminal. Meanwhile, the operation server 200 can be linked with the payment server 105 on the designated payment system according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 2, the operation server 200 includes an affiliate store registration information for an affiliated store having a sound wave device 300, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among the merchant information, or registering a unique code for separately identifying the merchant having the sound wave device 300 and storing the unique code in association with the merchant- do.

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

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

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

Referring to FIG. 2, the operation server 200 reads out the inputted sound wave signal by the payment application 420 of the user wireless terminal 400 that has received the sound wave signal transmitted from the sound wave device 300 of the merchant And transmits the UGID, the disposable code, and transaction information to the payment application 420, and transmits the UGID and the disposable code, A recognition information receiving unit 235 for receiving the identification information including the UGID and the disposable code from the authentication server 100, and a reader for reading the received UGID, An identification / authentication processor 240 for performing an authentication procedure for identifying and authenticating the disposable code when the disposable code is included in the identification information, and an authentication / And an authentication result providing unit 250 configured to provide authentication result information including the authentication result information to the authentication server 100. The authentication result providing unit 250 checks the payment result information of the payment procedure performed based on the authentication result information, And a payment result processing unit 255 for processing the information as a payment result of the information. According to another embodiment of the present invention, the recognition information receiving unit 235, the identification / authentication processing unit 240, and the authentication result providing unit 250 are implemented through the authentication server 100 associated with the payment application 420 The present invention clearly shows that the embodiment in which the recognition information receiving unit 235, the identification / authentication processing unit 240 and the authentication result providing unit 250 are implemented through the authentication server 100 is also included in the scope of right I will reveal.

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

When the payment application 420 of the user wireless terminal 400 configures the identification information including the UGID and the disposable code and transmits the identification information to the designated authentication server 100, the authentication server 100 transmits the identification information including the UGID and the disposable code to the operation server 200 The recognition information receiver 235 receives recognition information including the UGID and the disposable code from the authentication server 100. [ Meanwhile, the recognition information may further include the recognized / confirmed transaction information according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

Meanwhile, when the identification information received through the recognition information receiving unit 235 includes the disposable code and seed information for authenticating the disposable code is provided to the operation server 200, the identification / authentication processing unit 240 (Or a unique code read out from the UGID) corresponding to the affiliated merchant that is identified and authenticated, identifies seed information associated with the merchant-related information (or the unique code read out from the UGID) corresponding to the identified and authenticated merchant, and identifies one or more fixed seed values and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the UGID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is transmitted to the object (for example, the merchant with the sound wave device 300 and / or the sound wave device 300 ), Which is uniquely identified during a certain period of time through the UGID, among the transaction information of the merchant having the transaction information of the merchant. 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.

An authentication procedure for authenticating a franchisee having the sound wave device 300 through the UGID, and a step of identifying and identifying a transaction information uniquely identified for a predetermined period of time through the UGID among the registered transaction information of the identified and authenticated merchant The authentication result providing unit 250 may receive the one or more authentication procedures performed using the information included in the recognition information, And provides the authentication result information to the authentication server 100 that has transmitted the recognition information.

Meanwhile, according to the extended method of the present invention, the authentication result providing unit 250 may provide the authentication information to the authentication server 100 together with the authentication result information when the authentication of the authentication procedure is successful, The present invention is not limited thereto.

The authentication server 100 receives the authentication result information from the operation server 200 and processes the settlement procedure of the present invention using the authentication result information.

According to an embodiment of the present invention, the authentication server 100 receives the authentication result information from the operation server 200 and provides the authentication result information to the payment application 420 providing the recognition information have. In this case, the payment application 420 reads the authentication result information, performs the designated terminal-side payment procedure at the time of successful authentication, and transmits the transaction information (or the payment request information) (Or payment request information) to the designated payment server 105 by the payment server 105. The payment server 105 transmits the transaction information (or the payment request information) Information) on the server side to perform payment processing on the transaction information. Meanwhile, the payment application 420 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

The settlement server 105 receives the transaction information (or settlement request information) according to the settlement procedure of the present invention, performs a specified server-side settlement procedure, and then transmits the settlement result of the settlement procedure (for example, Payment error, etc.), and provide the confirmed payment result information to the authentication server 100 (or the payment application 420). The authentication server 100 may provide the payment result information to the payment application 420 and / or provide the payment result information to the operation server 200. [

The settlement result processing unit 255 receives the settlement result information from the authentication server 100 (or the settlement server 105 or the like) and transmits the settlement result information to the affiliate shop terminal 110 corresponding to the settlement result information Can be provided. Meanwhile, the payment result processing unit 255 can receive the payment result information from the payment application 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 block-chain algorithm of the block-chain network 115 implemented or interlocked with the block- A transaction history record generation unit 270 for generating a transaction history record including a settlement result of the settlement result information in a block structure that can be chained to a block structure, a block chain algorithm of the block chain network 115, And a block chaining procedure unit (275) for processing the block history of the transaction history to perform a block chaining process of the transaction history. The block chaining management unit (275) manages the history of the transaction to be included in the transaction history block (275).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The control unit 302 is a general term for controlling the operation of the sound wave device 300 and includes at least one processor and an execution memory. The sound wave device 300 includes components and a bus (not shown) BUS). According to the present invention, the control unit 302 loads at least one program code included in the sound wave device 300 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 300. Hereinafter, a function configuration implemented in the form of program code will be described in the control unit 302 for convenience.

The memory unit 310 is a general term of the nonvolatile memory included in the sound wave device 300 and includes at least one program code executed through the control unit 302 and at least one data set used by the program code And stores it. The memory unit 310 basically comprises a system program code and a system data set corresponding to the operating system of the sound wave device 300, a communication program code and a communication data set for processing a wireless communication connection of the sound wave device 300, One application program code and application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 310. [

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

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

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

The sound wave signal unit 308 is a collective term of a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and capable of digitizing and transmitting a sound wave signal of a specified frequency band. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 308 modulates the information set generated through the control unit 302 into a sound wave signal of a designated frequency band and outputs the signal intensity (for example, signal intensity that can be received through the wireless terminal 400 within a specified distance Etc.). Alternatively, the sound wave signal unit 308 may receive the sound wave signal of the designated frequency band and transmit the acquired data to the control unit 302. The control unit 302 performs an information processing procedure corresponding to the data can do.

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

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

The amount input unit 315 displays an interface for receiving a transaction amount through the output unit 304 and receives a transaction amount including a combination of numbers through the input unit 306. [ In addition, the sound wave device 300 may include a sound unit (not shown) for receiving sound (or sound) in addition to the input unit 306. In this case, the sound input unit 315 may receive sound And the transaction amount including a combination of numbers can be inputted.

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

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

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

According to the embodiment of the present invention, the memory unit 310 may include a unique code determined not to be duplicated, a sound code of the sound wave device 300 to identify the franchisee to which the sound wave device 300 is supplied In this case, the UGID generator 325 may store the unique code according to at least one embodiment of the UGID generation embodiment of the present invention. It is possible to generate a UGID having a different code value for each transaction in each transaction amount inputted through the amount input unit 315 while hiding it so that it can be read only through a predetermined device / server.

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

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

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

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

Referring to FIG. 3, the sound wave device 300 includes information for recognizing / confirming transaction information including the inputted transaction amount in the payment application 420 of the user wireless terminal 400 that has received the sound wave signal And information for identifying / confirming the UGID in the payment application 420 and information for recognizing the disposable code in the payment application 420 according to the method of operation, And a signal transmission unit 340 for transmitting the sound wave signal (or the sound wave signal including the sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 308 do

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

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

According to the second UGID transmission embodiment of the present invention, the transmission information configuration unit 335 may configure transmission information including a unique code to be hidden in the UGID. In this case, The payment app 420 of the mobile terminal 400 recognizes the unique code and generates the UGID concealed by the unique code through at least one embodiment of the UGID generation embodiment of the present invention.

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

According to the embodiment of the present invention, the transmission information configuring unit 335 includes transaction amount (or transaction information) according to the first or second transaction amount transmission embodiment, and transmits the first or second UGID transmission According to the embodiment, transmission information including UGID (or unique code) is configured and transmission information including the disposable code generated through the code generation unit 330 is configured according to the method. Hereinafter, characteristics of the present invention will be described for the sake of convenience, but the present invention will not be limited to the embodiments in which the transmission information constructing unit 335 constructs transmission information including UGID, disposable code and transaction information. I will reveal.

When the transmission information of the designated structure to be transmitted from the sound wave signal is configured through the transmission information configuration unit 335, the signal transmission unit 340 encodes the transmission information through the sound wave signal unit 308 The sound wave signal of the designated frequency band (or the sound wave signal including the sound wave pattern matched with the transmission information) is transmitted in accordance with the designated signal strength (for example, the signal strength that can be received through the wireless terminal 400 within a specified distance) And the sound wave signal unit 308 transmits a sound wave signal of a designated frequency band including transmission information provided by the signal transmission unit 340 through a predetermined sound wave output unit.

According to an embodiment of the present invention, the payment application 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 308 may transmit the request signal The control unit 302 controls the receiving unit 302 to receive the transaction amount based on the request signal and / or controls the generation and / or generation of the UGID based on the request signal, and / And controlling to generate and / or transmit the outgoing information, and / or to send out a sound wave signal including the transmission information via the signal transmission section 340, by controlling to generate the one-time code, The sound signal corresponding to the request signal may be transmitted, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

4, the payment application 420 of the wireless terminal 400 includes a signal check unit 425 for confirming a sound wave signal input from the sound wave device 300 through the sound wave input unit 410, , Reads the sound wave signal input from the sound wave device 300 of the merchant point and recognizes / confirms transaction information including a predetermined transaction amount, identifies the merchant having the sound wave device 300 separately, Recognizes / confirms a UGID that uniquely identifies a specific transaction corresponding to the transaction information including the transaction amount entered through the transaction unit 306, and generates a signal for recognizing the disposable code generated by the sound wave device 300 An identification information transmitting unit 435 for transmitting identification information including a UGID and a disposable code recognized / verified through the signal recognizing unit 430 to a designated path, / RTI &gt; &lt; RTI ID = 0.0 &gt; A settlement processing unit 445 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, Respectively.

The signal confirmation unit 425 receives at least one of the first to fourth app operation embodiments of the present invention and receives the sound wave signal transmitted from the sound wave device 300 through the sound wave input unit 410 .

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

When the UGID, the disposable code, and the transaction information are recognized / confirmed through the signal recognition unit 430, the recognition information transmission unit 435 transmits UGID and disposable code recognized / confirmed through the signal recognition unit 430 And transmits the recognition information to the designated authentication server 100. The authentication server 100 relays the recognition information to the specified operation server 200 and transmits the recognition information to the operation server 200. [ From the authentication server 100, identification information including the UGID and the disposable code. Meanwhile, when the authentication server 100 has a function of performing the authentication procedure for the UGID and the disposable code of the recognition information, the authentication server 100 may not provide the recognition information to the operation server 200 .

Meanwhile, the transaction information transmission unit 440 may transmit the recognized / confirmed transaction information to the authentication server 100. The authentication server 100 may receive the transaction information from the payment application 420 have.

Meanwhile, the authentication server 100 may provide the transaction information to the operation server 200 according to an embodiment of the present invention. If the transaction information includes information such as merchant information, the operation server 200 receives the transaction information from the authentication server 100, and transmits the information included in the received transaction information to the operation server 200) to compare the registered information with the merchant information corresponding to the transaction information to determine whether the merchant is equipped with the sound wave device (300).

On the other hand, the operation server 200 receiving the recognition information from the authentication server 100 has the sound wave device 300 for reading the UGID of the recognition information and sending out the sound wave signal designated by the merchant corresponding to the transaction information It is possible to identify and authenticate the merchant. For example, the operation server 200 reads the unique code included in the UGID, and compares / inquires the information registered in the operation server 200 to register the transaction information, (300).

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

And a sound wave device (300) for sending out a sound wave signal designated by the merchant corresponding to the transaction information, and the validity of the identified merchant point and / or transaction information is authenticated through the one- The operation server 200 uniquely identifies and authenticates the merchant having the sound wave device 300 through the UGID and transmits the transaction information through the payment application 420 to the merchant having the specified sound wave device 300 And 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 transmits the authentication result information to the authentication server 100 And the authentication server 100 receives the authentication result information from the operation server 200.

According to an embodiment of the present invention, the authentication server 100 provides authentication result information received from the operation server 200 to the payment application 420, and the payment procedure processing unit 445 of the payment application 420 Receives the authentication result information from the authentication server 100. The settlement processing processor 445 reads the authentication result information and performs the terminal side settlement procedure for the transaction information upon confirmation of the authentication success (but skips it if the authentication result information is received before) And transmits the transaction information (or payment request information) to the authentication server 100 in conjunction with the terminal-side payment procedure. The authentication server 100 receives the transaction information (or the payment request information) from the payment transaction processing unit 445 and then relays the transaction information to the designated payment server 105, (Or settlement request information) can be processed. Meanwhile, the settlement processing unit 445 may transmit the transaction information (or the settlement request information) directly to the settlement server 105 according to the method of operation.

The payment server 105 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 payment application 420.

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure (for example, payment approval or payment error) and transmits the confirmed payment result information to the authentication server 100 The payment server 420 may provide the settlement result information to the payment server 420 and / or provide the settlement result information to the operation server 200, May receive the payment result information from the authentication server 100 and output the payment result information.

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

5 illustrates an embodiment of an information registration process for reverse payment using a sound wave device 300 provided at an affiliate store and a process of implementing or interlocking a block chain network 115 for block- Those skilled in the art will appreciate that various modifications and changes may be made to the information registration process and the implementation / interlocking process of the block-chain network 115 by referring to and / (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features Is not limited.

5, a merchant terminal 110 (or a separate operating terminal) operated by an affiliated store having a sound wave device 300 that transmits a specified sound wave signal transmits a designated operation server 200 to a merchant store (500), the operation server (200) requests registration of at least one merchant related information among registration information, merchant information given to the merchant for settlement, and terminal information provided at the merchant terminal (110) Side terminal 110 (or a separate operating terminal) to register and store the information on the designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 110 (or the separate operating terminal) of the merchant having the sound wave device 300 transmits a unique code for uniquely identifying the merchant having the sound wave device 300 to the designated operating server 200 The operation server 200 requests registration of at least one of the first to fourth inherent code embodiments of the present invention according to at least one of the first to sixth inherent code checking embodiments of the present invention A unique code corresponding to one embodiment is identified (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

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

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

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

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

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

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

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

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

(Or activated) to the payment application 420 designated by the user wireless terminal 400 through the sound wave input unit 410 of the user wireless terminal 400 And confirms whether a specified sound wave signal transmitted through the apparatus 300 is input (640). If it is confirmed in operation 630 that the designated sound wave signal transmitted through the merchant-side sound wave device 300 is input, the payment application 420 of the user wireless terminal 400 reads the input sound wave signal, Code and transaction information (645). Preferably, the payment application 420 of the user wireless terminal 400 receives the sound wave transmitted through the sound wave device 300 through the at least one embodiment of the first to fourth embodiments of the present invention The UGID and the disposable code and transaction information can be recognized (645), and the recognized / verified transaction information can be output (650).

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

In more detail, FIG. 7 shows an example in which when the sound appara- tus 420 of the user wireless terminal 400 reads the sound signal and transmits the recognition information including the recognized / confirmed UGID and the disposable code to the specified authentication server 100, The server 100 causes the operation server 200 to perform the authentication procedure corresponding to the recognition information and then receives the authentication result information and transmits the authentication result information to the payment application 420. In the payment application 420, And transmits the transaction information (or the payment request information) to the authentication server 100 by reading the result information and reading the sound wave signal when confirming the authentication success and performing the terminal side settlement procedure for the recognized / confirmed transaction information, The server 100 transmits the transaction information (or the settlement request information) to the designated settlement server 105 and processes the settlement process. In the description of the present invention, It will be possible to refer to and / or modify this FIG. 7 to infer various implementations of the settlement procedure process (e.g., omitting some steps or changing the order) The present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited thereto.

Referring to FIG. 7, the payment application 420 that reads and recognizes the sound wave signal input from the sound wave device 300 of the merchant through the process shown in FIG. 6 and recognizes / verifies the UGID, the disposable code and the transaction information, And displays the recognized / confirmed transaction information through the payment interface, and constructs recognition information including the recognized / verified UGID and the disposable code to transmit to the designated authentication server 100 (700).

The authentication server 100 receives the identification information from the payment application 420 of the user wireless terminal 400 in step 705 and relays the identification information to the designated operation server 200 in step 710.

The operation server 200 receives (715) recognition information including the UGID and the disposable code from the authentication server 100 (715), reads the UGID of the recognition information (e.g., reads the UGID corresponding to the encoding rule And then reads the unique code concealed in the UGID in operation 720. After reading the unique code read from the UGID in step 720, The application 420 authenticates the franchisee visited by the user, that is, the franchisee having the sound wave device 300 (step 725).

Meanwhile, if the merchant having the sound wave device 300 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 730 and the authentication server 100 relays the authentication error to the payment application 420 of the user wireless terminal 400 and transmits the authentication error to the payment application 420 of the user wireless terminal 400 (420) receives and outputs the authentication error (740).

Meanwhile, when a merchant having the sound wave device 300 is uniquely identified and authenticated through the UGID included in the recognition information, and the disposable code is included in the recognition information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code linked with the unique code read out from the UGID (or the merchant-related information of the identified and authenticated merchant) (745).

If the validity of the disposable code is not authenticated, the operation server 200 provides the authentication server 100 with an authentication error for the disposable code included in the identification information (730) The payment application 420 of the user wireless terminal 400 relays the authentication error to the payment application 420 of the user wireless terminal 400 in step 735. The payment application 420 of the user wireless terminal 400 receives and outputs the authentication error in step 740, .

Meanwhile, when the franchisee having the sound wave device 300 is authenticated by the UGID of the recognition information, and the validity of the one-time code of the identification information is authenticated according to the method, the operation server 200 transmits the UGID (750) which is uniquely identified for at least a predetermined period of time. If the transaction information identified through the UGID is not confirmed, the operation server 200 can wait for the transaction information to be identified for a certain period of time to be registered through the UGID at the merchant that is uniquely identified through the UGID (755 ).

The operation server 200 composes authentication result information using the recognition information and transmits the authentication result information to the authentication server 100 that has transmitted the recognition information 760. The authentication server 100 transmits the authentication information to the authentication server 100, The payment application 420 receives the authentication result information from the operation server 200 and transmits the authentication result information to the payment application 420 in operation 765. The payment application 420 receives the authentication result information from the authentication server 100 in operation 770.

The payment application 420 reads the authentication result information and determines whether the authentication process using the recognition information is successful (775). When the authentication success of the authentication procedure using the recognition information is confirmed, the payment application 420 performs a predetermined terminal-side payment procedure for the transaction information displayed on the payment interface designated based on the authentication result information, (Or payment request information) corresponding to the terminal-side payment procedure to the authentication server 100 in step 780. The authentication server 100 transmits the transaction information (or the payment request information) received from the payment application 420 of the user wireless terminal 400 (Or payment request information) to the designated payment server 105 to request payment processing (785).

FIG. 8 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.

FIG. 8 is a flowchart illustrating a method of controlling the payment server 105 according to an exemplary embodiment of the present invention. Referring to FIG. 8, when transaction information (or payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIG. 7, (Or payment request information) to the authentication server 100 and provides the payment information to the authentication server 100, the payment server 420 and the operation server 200 And the payment result information is transmitted to the payment approval processing step. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 8, It is to be understood that the invention may be practiced with various other embodiments (for example, some steps omitted or alternate embodiments), but the present invention includes all of the above- Only the exemplary method is not limited that the technical features.

Referring to FIG. 8, when transaction information (or payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIG. 7, the payment server 105 transmits (Or payment request information) to be subjected to the settlement processing via the Internet (800). The payment server 105 performs a predetermined server-side payment procedure for the transaction information (or the payment request information) (805), and the settlement server 105 transmits a payment for the payment procedure performed for the transaction information The result information is confirmed (810).

If the settlement result information is confirmed, the settlement server 105 provides the settlement result information to the authentication server 100 in step 815. The settlement server 105 transmits the settlement result information to the settlement server 105, The result information is received (820), the payment result information is provided to the payment application 420 of the user wireless terminal 400 (825), and the payment application 420 receives and outputs the payment result information 830).

Meanwhile, the authentication server 100 provides the payment result information to the designated operation server 200 in operation 835. The operation server 200 receives the payment result information from the authentication server 100 in operation 840, The merchant terminal 110 provides the settlement result information to the designated merchant terminal 110, and the merchant terminal 110 receives and outputs the settlement result information in operation 850.

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 115. It is understood that those skilled in the art can refer to FIG. 9 and / (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 network &quot;) for block-chaining transactions details of a specified structure via N (N? 2) node devices 120 operating according to a block- 115, or in cooperation with the block-chain network 115, and when confirming the settlement result information through the process of FIG. 8, the operation server 200 transmits the settlement result information to the designated structure that can be block- 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 the embodiment of the second transaction history of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (900).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) pieces of information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i unassisted object information is confirmed, the operation server 200 generates hash information that unidirectionally hashes the confirmed j pieces of secret information through the designated hash algorithm, and outputs mj ) Disclosable information and the generated hash information (900).

According to an embodiment of the fourth transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i un-open object information is confirmed, the operation server generates cryptographic information in which the identified j pieces of private object information are encrypted through a cryptographic method in which only the designated decryption key is decryptable, (Mj) pieces of publicly available information included in the transaction history 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 breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (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 breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 &lt; = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, and mj ) Disclosable information and the generated hash information (900).

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, (900) including the (mj) pieces of publicly available information included in the payment 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 115, the operation server 200 transmits the generated transaction history details to the block chain network 115 And performs a block chaining procedure (905).

The node device 120 on the block-chain network 115 collects (910) a specified number of transaction history details broadcasted to the block-chain network 115 according to a specified block-chain algorithm. If a specified number of transaction history details are collected, the node device 120 on the block-chain network 115 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 120 (915) a process of requesting a consent request and / or verifying a new block requested to be consensus from another node device 120 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction record is chained, the node device 120 on the block-chain network 115 transmits a transaction ledger block including (or loading) the chained effective block (920), and stores the configured transaction history block in each node device (120) in a distributed manner (925).

Meanwhile, the operation server 200 determines whether the number of transaction details broadcasted to the block-chain network 115 is less than a specified reference number during a predetermined reference time (operation 1330). If the number of transaction history details broadcasted to the block-chain network 115 is less than a specified reference number during the specified reference time, the operation server 200 transmits a transaction broadcast to the block- Dummy transaction history details may be generated to maintain the number of book details to be equal to or greater than the designated reference number and broadcast to the block chain network 115 (935). On the other hand, when a transaction history history of a specified reference number or more is broadcasted to the block chain network 115 for a specified reference time, the node device 120 on the block chain network 115 notifies the block chain network 115 of the designated number (910), generates a new block including the collected transaction details of the specified number, and performs a procedure for requesting agreement with a valid block through another node device (120) and / (915) a procedure of verifying the new block requested by the node device 120 and chaining it to a valid block (915), constructing (920) a transaction ledger block including (or loading) the chained valid block And then distributedly stored in the node device 120 (925).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 115 and broadcasts the transaction history to the block-chain network 115 in association with the block-chain process of the block-chain network 115 within a predetermined time The transaction history is managed 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 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115 It is possible to confirm whether a new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 (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 120 provided in the block-chain network 115, (Block 940) to intervene in the block chain algorithm executed through the device 120 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 in a predetermined period of time, It may be determined 940 that a procedure for negotiating with one or more other node devices 120 provided in the chain network 115 is performed. If a new block including the broadcast transaction details is generated within a predetermined time and a consensus process is not performed, the operation server 200 may transmit the new transaction information to the one or more node devices 120 ) Or intervenes in a block chain algorithm executed through the node device 120 to process a new block including the broadcast transaction history details to be merged (step 940).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details within a predetermined time is transmitted to N node devices 120 provided in the block- (940). &Lt; / RTI &gt; If a transaction history block including (or loading) the valid blocks generated or agreed including the broadcast transaction details in a predetermined time is distributed to the N node devices 120 provided in the block-chain network 115 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 120 provided in the block-chain network 115, (Or loaded) valid block including the generated or agreed-upon effective block including the details of the transaction history can be distributedly stored in the N node devices 120 provided in the block-chain network 115 (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 120 provided in the block-chain network 115, 200 may identify a transaction ledger block stored in the node device 120 of the block-chain network 115 in cooperation with the node device 120 provided in the block-chain network 115, Or a process of adding (or loading) a valid block created or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area and updating the valid block.

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

100: Authentication server 105: Payment server
110: Merchant side terminal 115: Block Chain Network
120: Node device 200: Operation server
205: information storage unit 235: recognition information receiving unit
240: identification / authentication processing unit 245: transaction registration confirmation unit
250: authentication result providing unit 255: payment result processing unit
270: transaction record breakdown generating unit 275: block chaining process unit
280: Block Chain Management Unit 285: Block Chain Management Unit
300: Affiliate shop sound wave device 310: Memory part
315: an amount input unit 320:
325: UGID generator 330:
335: transmission information configuration unit 340: signal transmission unit
400: user wireless terminal 410: sound wave input unit
420: Payment App 425: Signal Verification Unit
430: Signal recognition unit 435: Identification information transmission unit
440: Transaction information transmission unit 455: Payment procedure processing unit

Claims (14)

A method of executing via a payment application and an authentication server executed in a user wireless terminal which receives a designated sound wave signal transmitted from a separate sound wave 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 payment application of the user wireless terminal receiving the sound wave signal transmitted from the nearby sound wave device via the sound wave device reads the received sound wave signal and confirms the transaction information including the predetermined transaction amount based on the recognized information A second step of uniquely identifying a merchant having the sound wave device and confirming a generated Uniquely Generated IDentification (UGID) to uniquely identify a specific transaction corresponding to the transaction information; And
A third step of the payment application transmitting identification information including information corresponding to the UGID to a designated authentication server;
A fourth step of the authentication server receiving recognition information including information corresponding to the UGID via a designated path;
The authentication server transmits the recognition information to the operation server that manages the UGID and receives from the operation server the authentication result information obtained by the unique identification authentication of the merchant having the sound wave device through the UGID or reads the UGID of the recognition information A fifth step of confirming authentication result information obtained by inherently identifying and authenticating a franchisee having a sound wave device;
A sixth step of the authentication server providing the authentication result information to the payment application;
A seventh step of the payment application performing a payment procedure for payment processing of 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 for the generated transaction ledger through the block chain network. The asynchronous reverse payment method using the block chain and the sound wave device.
The method of claim 1, wherein the block-
A self-block chain network implemented through N node devices built by an operator operating the operation server,
A virtual block chain network implemented by emulating N node devices through at least one server operated by the operator,
At least one of a composite block-chain network implemented by including n (n < = n &lt; N) node devices built in the operating company and (Nn) virtual node devices emulated through at least one server operated by the operator Wherein the asynchronous reverse payment method uses a block chain and a sound wave device.
The method of claim 1, wherein the block-
Block chain network implemented for cryptographic transactions,
In order to manage financial related ledgers,
And at least one outer block chain network capable of interlocking with the operation server among the block chain networks implemented for storing information. The asynchronous reverse payment method using a block chain and the sound wave device.
4. The method according to claim 2 or 3, wherein the block-
Including a public block chain network, or
A private block chain network, or
And a hybrid block chain network in which characteristics of a public block chain network and a private block chain network are partially mixed. The asynchronous reverse payment method using a sound chain device and a block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) generates a new block according to a specified block-chain algorithm and joins the active server as an active node capable of requesting a consensus as a valid block Asynchronous reverse payment method using a sound chain device and a block chain.
4. The method according to claim 2 or 3, wherein the block-
And a block-chain network in which the operation server (or the node device associated with the operation server) is created or agreed according to a designated block-chaining algorithm and participated in a passive node capable of real- Asynchronous reverse payment method using a sound wave device and a block chain.
2. The method according to claim 1,
(N &gt; = 2) node devices operating in accordance with a specified block chain algorithm to create a new block including a specified number of transaction history details or to agree the new block as a valid block between each node device Chain or a block chain network for distributing and storing a transaction history block including (or loading) valid blocks that are chained through the above-mentioned consensus process to each node device, And the asynchronous reverse payment method using a block chain.
The method as claimed in claim 1,
(M &gt; = 2) pieces of information included in the payment result information, and generating a transaction ledger description including m (1 &lt; = m & Asynchronous reverse payment method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Matching the identified j pieces of private object information with unique identification information and storing the identified j pieces of private object information in a specified management DB or checking j pieces of private object information and identification information previously stored in the management DB; And
And generating transaction details including (mj) pieces of publicly available information included in the payment result information and the stored / verified identification information. The method of claim 1, Payment Method.
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating hash information by unidirectionally hashing the identified j number of pieces of private information through the hash algorithm; And
And generating transaction history data including (mj) pieces of publicly available information and the generated hash information included in the payment result information. The method as claimed in claim 1, .
The method as claimed in claim 1,
(1? M? M) pieces of information to be included in the transaction ledger list among the M (M? 2) pieces of information included in the payment result information, Confirming the number of non-disclosure target information;
Generating cryptographic information by encrypting the identified j pieces of private information to be decrypted by using a cryptosystem for decrypting only the decrypted private key; And
And generating transaction details including (mj) openable information included in the payment result information and the generated password information,
Wherein the decryption key comprises:
A key value included in a designated security zone of the operation server,
And a private key of a server-side certificate of the operating server. The asynchronous reverse payment method of claim 1,
The method as claimed in claim 1,
And transmitting the generated transaction history information to the block chain network to process a block chaining process. The asynchronous reverse payment method according to claim 1,
13. The method 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 history details and broadcasting to the block-chain network the asynchronous reverse payment method using the 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: confirming whether the data is distributed and stored in the node devices.

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