KR20190083255A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Radio Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an application-interlinked asynchronous reverse payment method using a wireless device and a blockchain. The method executed through a management server able to communicate with a wireless terminal includes: a first step of interconnecting a pre-formed blockchain network; a second step of receiving a one-time identification (OTID); a third step of linking and storing transaction registration information and the OTID; a fourth step of receiving recognition information including the OTID; a fifth step of conducting an authentication process for confirming the transaction registration information; a sixth step of providing authentication result information; and a seventh 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 wireless device and a block chain,

When registering transaction registration information including amount information for reverse payment from a merchant terminal having a wireless device for transmitting a designated radio signal, it is possible to uniquely identify a merchant having the wireless device separately, (One Time IDentification), which is generated through a separate wireless device provided in the merchant's terminal and registered through the merchant terminal, in order to uniquely identify a specific transaction corresponding to the transaction registration information From the authentication server associated with the payment application driven in the user wireless terminal through the operating application of the user wireless terminal that has received the wireless signal transmitted from the wireless device at the merchant registering the transaction registration information in the short distance, And the OTID transmitted from the app to the payment application after reading and recognizing the wireless signal Receives the identification information, identifies and authenticates the merchant having the wireless device, and provides a result of authentication using the OTID to the authentication server when a specific transaction corresponding to the transaction registration information is identified, The payment transaction of the specific transaction identified through the OTID is relayed to the designated payment server, and the payment result of the payment result information processed by payment is block-chained and stored and managed.

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

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

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

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

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

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

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

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

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

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

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

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

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

When a transaction registration information including amount information for reverse payment is registered from a merchant terminal having a wireless device, the merchant having the wireless device is uniquely identified separately, and at the same time, A one-time OTID (One Time IDentification) generated through a separate wireless device provided at the merchant for unique identification and registered through the merchant terminal, is mapped to the transaction registration information, From the authentication server associated with the payment application running in the user wireless terminal through the operating app of the user wireless terminal that has received the wireless signal transmitted from the wireless device at the merchant who registered the wireless communication device And then receives the identification information including the OTID transmitted to the payment app, And when a specific transaction corresponding to any one of the transaction registration information is identified, the authentication server provides the authentication result using the OTID to the authentication server so as to allow the authentication server to authenticate the specific transaction identified through the OTID The present invention provides an asynchronous reverse payment method based on an application linkage using a block device and a wireless device that stores and manages payment results of payment result information processed by payment after relaying to a designated payment server.

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

An asynchronous reverse payment method based on an application linking with a wireless device and a block chain according to the present invention is a method for communicating with an affiliate shop terminal operated by an affiliate shop having a wireless device transmitting a designated wireless signal and communicating with a user wireless terminal visited at an affiliate shop A method of executing via a production server, the production server implementing a block-chain network for block-chaining transaction history details of a specified structure via N (N? 2) node devices operating according to a specified block chain algorithm The mobile terminal receives transaction registration information including amount information from a merchant terminal operated by an affiliate shop having the wireless device, and transmits the transaction registration information to the merchant having the wireless device. The transaction registration information is separately distinguished and at the same time, A second step of receiving an OTID (One Time IDentification) generated through a merchant-side wireless device associated with the merchant-side terminal to uniquely identify the transaction for at least a predetermined period of time; And a third step of associating and storing the OTID with the operating terminal of the user wireless terminal through the designated operating application of the user wireless terminal that received the wireless signal transmitted in the short distance via the merchant wireless device provided in the merchant within the valid time of the OTID, A fourth step of reading out and recognizing the radio signal from the authentication server associated with the payment application activated in the payment application and receiving recognition information including the OTID transmitted to the payment application; The OTID is read to authenticate the franchisee having the wireless device, and at the same time, A fifth step of performing an authentication procedure for confirming one transaction registration information uniquely identified through the OTID among the registered transaction registration information and a fifth step of providing the authentication result information of the authentication procedure using the OTID to the authentication server And a step of generating a transaction history record in which the operating server confirms the settlement result information in which the settlement has been processed and includes the settlement result of the settlement result information in a specified structure that can be block chained by the block chain algorithm 7. The method according to claim 1, further comprising the step of: performing a block chaining process of the generated transaction ledger history through the block chain network, wherein the authentication result information is used to execute a payment procedure of a specific transaction identified through the OTID And the like.

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

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

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

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

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

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

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

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

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

In an asynchronous reverse payment method based on an application interlocking method using a block device and a wireless device according to the present invention, the seventh step includes a step of, among m (M? 2) pieces of information included in the payment result information, (1 < = m &lt; M) pieces of information among the m pieces of identified pieces of information and confirming j (1? J &lt; m) pieces of private information to be decrypted Generating secret information encrypted with j pieces of secret information to be verified and generating transaction history records including (mj) pieces of publicly available information included in the payment result information and the generated password information And 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 And a gong.

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

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

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

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

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device 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.
FIG. 6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.
8 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a process of performing an inverse payment procedure according to a first embodiment of the present invention.
FIG. 10 is a diagram illustrating a process of performing a reverse payment procedure according to a second embodiment of the present invention.
11 is a diagram illustrating a process of performing a reverse payment procedure according to a third embodiment of the present invention.
12 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.
13 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

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

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

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

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

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

In more detail, FIG. 1 shows the wireless device 360 when registering transaction registration information including amount information for reverse payment from a merchant terminal 300 having a wireless device 360 for transmitting a designated wireless signal (360) that is unique to the franchisee and uniquely identifies a particular transaction corresponding to the transaction registration information at least for a predetermined period of time, 300), and transmits the one-time OTID (One Time IDentification) registered in the transaction registration information to the user wireless terminal (300) that has received the wireless signal transmitted from the merchant wireless device (360) From the authentication server (100) associated with the payment application (450) driven in the user wireless terminal (400) through the operating app (420) of the operating system (400) And receives recognition information including the OTID transmitted to the payment application 450 to identify and authenticate the merchant having the wireless device 360 and to identify and authenticate a specific transaction corresponding to any transaction registration information , The authentication server 100 provides the authentication result using the OTID to the authentication server 100, and the authentication server 100 relays and processes the payment procedure of the specific transaction identified through the OTID to the designated payment server 105 1 is a block diagram showing a configuration of a system for providing a reverse payment system using a merchant's wireless device 360 according to an embodiment of the present invention. It will be appreciated that the method of implementation (e.g., some of the components may be omitted, or subdivided, or combined) may be inferred, Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 1.

The system of the present invention is characterized in that a franchisee having a franchise shop terminal 300 operated by an affiliated shop having a wireless device 360 for transmitting a designated wireless signal and a wireless device 360 transmitting a designated wireless signal is distinguished Side wireless device 360 for transmitting a wireless signal including the OTID dynamically generated in a disposable fashion to a unique location for uniquely identifying a specific transaction of the franchisee at least for a certain period of time at a short distance; 360), and a payment application (450) for performing a payment procedure for a specific transaction identified through the OTID, and an installable application (450) An authentication server 100 communicable with a merchant terminal 300 operated by each merchant and associated with a payment application 450 of the user wireless terminal 400, An authentication server 100 interlocked with the payment application 450 of the user wireless terminal 400 and operating in conjunction with the operation server 200 and having an operation server 200 connected to the payment server 300, And a payment server 105 for performing a server-side payment procedure corresponding to a payment procedure performed through the payment application 450. According to an embodiment of the present invention, the operation server 200 is a block chain block-chaining a transaction history record of a specified structure via N (N? 2) node devices 115 operating according to a specified block- A function of implementing the network 110 or interworking with the implemented block chain network 110, a function of confirming the settlement result information that processed the settlement, a function of confirming the settlement result including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 110. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

The franchise-point-side terminal 300 is a collective term of a terminal operated by an affiliated store having a wireless device 360 for transmitting a designated radio signal. For example, the franchise-side terminal 300 may include a merchant terminal (for example, POS terminal, CAT, etc.). Alternatively, the franchise-point-side terminal 300 is operated in an affiliate terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each affiliate shop or an affiliate shop for the reverse payment based on the affiliate shop- (E.g., a smartphone, a mobile phone, a tablet PC, or the like) or a wireless terminal carried by an affiliate shop owner (or an employee). That is, the franchise-point-side terminal 300 of the present invention may be any terminal that performs the function of the franchise-point-side terminal 300 described in the present invention by being operated by the franchisee, and may be a terminal of a specific name or a specific physical terminal It is not limited.

According to the embodiment of the present invention, the franchise-point-side terminal 300 can communicate with the operation server 200 through a communication network, and the franchise-point-side terminal 300 for the reverse payment based on the franchise- ) Is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant terminal 300 as a main body is implemented through the merchant application 315.

An affiliate shop wireless device 360 that transmits a wireless signal designated to an affiliate shop operating the affiliate shop terminal 300 is provided and an affiliate shop application 315 designated in the affiliate shop terminal 300 of the affiliate shop is installed , The franchise-point-side terminal 300 can perform a predetermined information registration procedure for the reverse payment using the franchise-point-side wireless device 360.

According to the method of the present invention, the merchant-point-side terminal 300 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / ) Can be transmitted and registered. On the other hand, the merchant-point-side terminal 300 stores the merchant information given to the merchant for a predetermined settlement (for example, a forward payment for transferring the specialties to the card company via the VAN from the merchant terminal) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the franchise-point-side terminal 300 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 300 among the terminals provided at 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 franchise-point-side terminal 300 includes a separate inherent code (e.g., a unique code that uniquely identifies a franchisee having a wireless device 360 that transmits a designated radio signal, and / A unique code that uniquely identifies the merchant terminal 300 separately operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the wireless device 360 that transmits the designated wireless signal to the merchant ), And can process the specific code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the unique code may include a code value assigned to the merchant that is determined to be unique so as to uniquely identify the merchant having the wireless device 360. (For example, merchant point information such as a merchant point number for (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant store is transmitted to the merchant 360, The unique code is provided with the wireless device 360 at the merchant so that the merchant having the wireless device 360 can be separately identified by uniquely identifying the merchant 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 300 of the merchant having the wireless device 360 . If the merchant terminal 300 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 only to identify the merchant terminal regardless of whether the merchant is equipped with the wireless device 360. On the other hand, The unique code includes the wireless device 360 at an affiliated store so that a unique code value that is determined in a non-redundant manner to separately identify the affiliated store terminal 300 provided at an affiliated store having the wireless device 360 . &Lt; / RTI &gt;

According to the third specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the wireless device 360 at the merchant. The wireless device 360 provided at the merchant may be assigned a unique code value that is not redundant to uniquely identify the wireless device 360. In this case, The franchisee having the merchant 360 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 clear that the unique code of the present invention belongs to the scope of the present invention, whatever code is not duplicated in order to uniquely identify the wireless device 360.

According to the embodiment of the present invention, the affiliated shop terminal 300 (or the information registration terminal used in the affiliated shop) operated by the affiliated shop having the wireless device 360 can access the merchant terminal 300 To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first unique code identification embodiment of the present invention, the unique code may be displayed on one side of the merchant-side wireless device 360 or may include code values printed on the wireless device 360's instruction manual, In this case, the franchise owner (or employee) of the franchisee that receives (or purchases) the franchise point wireless device 360 receives the code value of the wireless device 360 via the franchise shop terminal 300 And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second unique code checking embodiment of the present invention, the merchant-side wireless device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the wireless device 360 The franchise point terminal 300 of the franchisee to which the franchisee 300 has supplied (or purchased) the at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication means, and the like). In this case, the merchant terminal 300 requests / receives a code value recorded in a designated storage area of the wireless device 360 in cooperation with the merchant-side wireless device 360, You can check your own code.

According to the third specific code checking embodiment of the present invention, the merchant-point-side terminal 300 is connected to the operation server 200 during / after communication connection (or performing a predetermined information registration procedure) with the designated operation server 200, And a procedure for exchanging / agreeing a code value determined not to be duplicated by performing a designated code exchange procedure, and can confirm a unique code including the exchanged / agreed code value.

According to the fourth unique code checking embodiment of the present invention, the merchant terminal 300 generates a code value that is not duplicated (or generates a code value) through a designated code generation procedure, And checks the unique code including the generated code value.

According to the fifth unique code checking embodiment of the present invention, the operating server 200 communicating with the merchant-point-side terminal 300 generates a code value that is not duplicated (or generates a code value The franchise point terminal 300 may receive the code value determined not to be duplicated from the operation server 200, and may transmit the generated code value to the franchise point terminal 300, And receive a unique code containing the received code value.

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

According to the embodiment of the present invention, the franchise-point-side terminal 300 transmits a unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant- Side wireless device 360 in the designated storage area of the merchant terminal 300 and store the same in the designated storage area of the merchant terminal 300 according to the method.

According to the embodiment of the present invention, the franchise-point-side terminal 300 transmits the unique code identified through at least one of the first to sixth unique code checking embodiments to the designated operation server 200 Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant- The inherent code can be linked and stored in the designated storage medium.

Meanwhile, according to another embodiment of the present invention, the merchant terminal 300 may be provided with the wireless device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment. A procedure for registering the unique code may be omitted in the case of dynamically generating an OTID in the form of a code value for uniquely identifying one merchant separately and uniquely identifying a specific transaction corresponding to the transaction registration information at least for a predetermined period of time And it is clear that the present invention can also include an embodiment that does not register the unique code as a right scope.

In the reverse payment based on the wireless device 360 according to the present invention, the merchant terminal 300 receives amount information for reverse payment or checks the amount information according to a designated procedure, And registers it in the operation server 200. [

According to an embodiment of the present invention, the transaction registration information includes the input / verified amount information, and may further include product information and / or date information corresponding to the amount information according to an implementation method. Meanwhile, the transaction registration information may include merchant registration information for the merchant to identify the merchant registration information (or the merchant terminal 300) for registering the transaction registration information for the reverse payment, merchant information And terminal information provided in the franchise-point-side terminal 300, as shown in FIG. Meanwhile, the unique code is provided to the merchant terminal 300 (or the affiliate shop wireless device 360 associated with the affiliate shop terminal 300) according to an embodiment of the present invention, The transaction registration information may further include the unique code, and thus the present invention is not limited thereto.

The franchise point wireless device 360 is a collective term of a device that is provided / operated in an affiliated store and transmits (or broadcasts) a wireless signal of a specified wireless signal standard that can be received and recognized by a nearby user wireless terminal 400, The wireless signal including the OTID is transmitted to a short distance, and the wireless signal including the OTID and the disposable code can be transmitted in a short distance according to the method.

On the other hand, at a specified point in time before, during, and after the transaction registration information is registered in the operation server 200, the franchise point wireless device 360 separately identifies the franchisee having the wireless device 360 separately (OTID) that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time. Preferably, the franchise point wireless device 360 generates the OTID by a request (or command) from the franchise point terminal 300 and / or an operation unit (not shown) provided in the wireless device 360, The OTID may be generated based on the input operation using the OTID and / or the OTID may be generated periodically, and the generated OTID may be provided to the merchant-side terminal 300 to be registered in the operation server 200 can do.

According to the method of the present invention, the merchant-point-side wireless device 360 confirms a unique code that uniquely identifies a merchant having the wireless device 360, and transmits the unique code only through a specific device / The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. In other words, the OTID of the present invention has a unique identification that uniquely identifies a franchisee having the wireless device 360, and at the same time, the OTID of the present invention has a unique identification that uniquely identifies a particular transaction corresponding to specific transaction registration information And has an identifiability.

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

According to the first OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 confirms the unique code separately identifying the merchant having the wireless device 360 and the time information read according to the specified rule And generating a disposable OTID concealing the inherent code by using the inherent code and time information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the second OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates a unique code for separately identifying a merchant having the wireless device 360 and arbitrary random number information generated through a specified algorithm And generating a disposable OTID concealing the inherent code by using the inherent code and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the third OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates a unique code that uniquely identifies the merchant having the wireless device 360, time information read in accordance with the specified rule, And performing the specified encoding procedure using at least one of the inherent code, the time information, and the random number information as parameters of an encoding rule for generating a code value of the designated code system, You can create a hidden disposable OTID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the fourth OTID generation embodiment of the present invention, the merchant-point wireless device 360 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 OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using a key value to generate a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule and the key value and read the unique code hidden in the OTID.

According to the fifth OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 exchanges a specified key value with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using the read-out date information according to a specified rule, thereby generating a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule, the key value, and the date and time information and read the unique code hidden in the OTID.

According to the sixth OTID generation embodiment of the present invention, the merchant-point-side wireless device 360 generates at least one of the first to fifth OTID generation embodiments by at least partially combining the at least two embodiments, It is possible to generate a disposable OTID that is hidden, and thus the present invention is not limited thereto.

Meanwhile, according to another embodiment of the present invention, the merchant's point-of-sale wireless device 360 includes (or hides) a temporary unique code determined not to be duplicated for a predetermined period of time, It is possible to generate the OTID in the form of a code value for uniquely identifying the affiliated merchant separately and at the same time uniquely identifying the specific transaction corresponding to the transaction registration information at least for a predetermined period of time, and thus the present invention is not limited thereto.

The franchise point wireless device 360 provides the OTID generated through at least one of the first to sixth OTID generation embodiments to the designated franchise point side terminal 300, The OTID generated through the wireless device 360 may be received and transmitted to the designated operation server 200 for requesting registration. The merchant terminal 300 may transmit the transaction registration information and the OTID together to the operation server 200, or sequentially transmit the transaction registration information and the OTID according to a designated procedure, thereby not limiting the present invention.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the wireless device 360 and also receives the OTID transmitted through the merchant terminal 300 .

On the other hand, the operating server 200 receiving the transaction registration information can confirm whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is a merchant having the wireless device 360. According to the embodiment of the present invention, the operation server 200 compares / inquires the information included in the transaction registration information and the information registered in the operation server 200, It is possible to confirm whether the merchant operating the terminal 300 is a merchant having the wireless device 360.

On the other hand, the operating server 200 receiving the OTID can read the OTID and confirm that the merchant registering the transaction registration information together with the OTID is a merchant having the wireless device 360. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200, thereby registering the transaction registration information together with the OTID It is possible to confirm whether it is a franchisee having the wireless device 360.

When the merchant registering the transaction registration information is identified as an affiliated store having the wireless device 360, the operation server 200 stores the transaction registration information (or the amount information including the amount information) received from the affiliated shop terminal 300 At least a part of the transaction registration information) and the OTID are stored and managed in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction registration information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

After storing the OTID and transaction registration information in a designated storage medium, the operation server 200 provides the registration result information including the registration result of the transaction registration information and the OTID to the merchant terminal 300. Preferably, the registration result information may include an OTID associated with the transaction registration information, and the transaction amount corresponding to the amount information (for example, the amount information of the transaction registration information or the amount of the transaction registration information An amount calculated based on information, etc.) or merchant information for settlement.

The merchant terminal 300 receives the registration result information from the operation server 200. Preferably, the registration result information includes the OTID, and may further include a transaction amount corresponding to the money amount information or merchant point information for payment according to an implementation method. If the amount information is used as a transaction amount, the transaction result information may omit the transaction amount, and thus the present invention is not limited thereto. Alternatively, when the merchant information is stored in the merchant terminal 300 and payment is made using the merchant information, the merchant information may be omitted from the registration result information, and thus the present invention is not limited thereto.

The merchant terminal 300 may process the radio signal including the OTID via the radio device 360 within the valid time of the OTID by providing the OTID to the designated merchant radio device 360 have.

According to the method of the present invention, the franchise point-side terminal 300 provides the transaction information including the transaction amount corresponding to the amount information and the franchise point information to the designated franchise point wireless device 360 in addition to the OTID, To transmit the radio signal including the OTID and the transaction information via the wireless device 360 within the valid time of the OTID.

According to the embodiment of the present invention, the franchise point-side terminal 300 can authenticate the validity of the registered transaction registration information with a franchise shop (= a franchisee having a designated radio 360) uniquely identified through the OTID You can generate a one-time code that contains the code value of the specified code scheme. On the other hand, the merchant terminal 300 exchanges seed code generation seed information (for example, a rule for determining a fixed seed value and / or a seed value) with the operation server 200 in order to generate the one- The merchant terminal 300 and the operation server 200 can register and manage the seed information for generating or authenticating the disposable code. Preferably, the operation server 200 can map and store the seed information and the unique code, and according to the method, the operation server 200 can register the registered merchant through the merchant terminal 300 At least one of information, merchant registration information, and terminal information and the seed information can be mapped and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code registered in the operation server 200 through the merchant terminal 300 is used as the seed information, additional seed information is registered The process can be omitted, and the present invention is not limited thereto.

When the seed information for authenticating the disposable code generated by the franchise point terminal 300 is mapped to the operation server 200, the franchise point terminal 300 transmits one or more seed values (for example, , A fixed seed value, etc.) and 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) You can dynamically generate one-off code of the specified code system by assigning it to the algorithm. For example, the one-time code may include code generated dynamically through an algorithm that generates an OTP (One Time Password).

According to the first disposable code generation embodiment of the present invention, the merchant terminal 300 assigns designated seed values to a designated code generation algorithm before registering the transaction registration information with the operation server 200, Can be dynamically generated.

According to the second disposable code generation embodiment of the present invention, the merchant terminal 300 requests registration of the transaction registration information to the operation server 200 and receives the registration result information from the operation server 200 The specified seed values can be assigned to the designated code generation algorithm to dynamically generate the one-off code of the designated code system.

According to the third disposable code generation embodiment of the present invention, after receiving the registration result information from the operation server 200, the franchise point terminal 300 substitutes designated seed values into a designated code generation algorithm, Can be dynamically generated.

When the registration result information including the OTID is received from the operation server 200 and the one-time use code is generated in the merchant terminal 300 through at least one of the first to third one-off code generation embodiments , The franchise-point-side terminal 300 provides the OTID and the disposable code to the designated franchise-point-side wireless device 360 so that the OTID and the disposable code and transaction information are transmitted via the wireless device 360 within the valid time of the OTID It is possible to process the radio signal to be transmitted. According to the embodiment, the merchant terminal 300 provides transaction information including the transaction amount corresponding to the amount information and the merchant information to the merchant-side wireless device 360, Through the device 360, the wireless signal including the OTID and the disposable code and transaction information.

Meanwhile, according to another embodiment of the present invention, the disposable code can be dynamically generated through the merchant-side wireless device 360 (in this case, the merchant-point-side terminal 300 is connected to the merchant- It is possible to generate the disposable code and perform the procedure of registering the seed information for the authentication in the operation server 200). The merchant terminal 300 can generate the one-time code of the designated code system by substituting the designated seed values into the designated code generation algorithm while generating the OTID, or dynamically generate the one-off code from the merchant terminal 300 The disposable code can be dynamically generated by being requested to dispatch. The merchant terminal 300 may transmit a radio signal including the OTID, the disposable code and transaction information within the valid time of the OTID. That is, when transmitting the radio signal including the OTID, the disposable code, and the transaction information in the radio device 360, the disposable code is generated only before transmitting the radio signal, and when generating the disposable code The present invention is not limited thereto. According to the embodiment, the merchant terminal 300 provides transaction information including the transaction amount corresponding to the amount information and the merchant information to the merchant-side wireless device 360, Through the device 360, the wireless signal including the OTID and the transaction information and the disposable code generated via the wireless device 360. [ Hereinafter, features of the present invention will be described, focusing on an embodiment in which a wireless signal including the OTID, the disposable code, and transaction information is transmitted through the merchant-side wireless device 360 for convenience.

The franchise point wireless device 360 is a collective term of a device that is provided / operated in an affiliated store and transmits (or broadcasts) a wireless signal of a specified wireless signal standard that can be received and recognized by a nearby user wireless terminal 400, OTIDs and radio signals including disposable codes and transaction information can be transmitted in a short distance.

The present invention is characterized in that a wireless signal including the OTID is transmitted through a separate wireless device 360 provided at an affiliated store and a unique identification and authentication of a merchant having the wireless device 360 through one OTID Based on a characteristic of automatically identifying a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, before the reverse payment for transaction registration information previously registered in the merchant terminal (300) is completed Even if the transaction registration information for the next reverse payment is registered, each reverse payment can be processed asynchronously.

According to the method of the present invention, the merchant-side wireless device 360 is connected to at least one of the specified at least one local communication means (e.g., at least one of Bluetooth, WiFi, NFC, RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side wireless device 360 receives the wireless signal of the specified wireless signal standard that is received through the short-range wireless unit 410 provided in the user wireless terminal 400 and recognizable through the designated application (Or broadcast) it. Preferably, the merchant-side wireless device 360 may transmit a Bluetooth-based asynchronous radio signal (e.g., a radio signal that is broadcast on a Bluetooth 4.0 standard or later without specifying the recipient (or without pairing)). Alternatively, the merchant-side wireless device 360 may transmit a Wi-Fi-based asynchronous wireless signal. Alternatively, the franchise point wireless device 360 may transmit a wireless signal of the NFC (Near Field Communication) standard. In this case, the franchise point wireless device 360 may be a reader / writer mode, a tag mode, Can operate. Alternatively, the franchise point wireless device 360 can transmit a wireless signal of the RFID standard specification. That is, the franchise point wireless device 360 of the present invention can be any device that transmits (or broadcasts) a recognizable wireless signal through a wireless signal-related component provided in a user wireless terminal 400 located at a nearby location It should be clear that the present invention is not limited to the apparatus for transmitting a radio signal of a specific radio signal standard belonging to the right scope of the present invention.

According to the embodiment of the present invention, the franchise point wireless device 360 can receive the OTID from the franchise point terminal 300 and transmit the wireless signal including the OTID in a short distance. Alternatively, the franchise point wireless device 360 may receive the OTID and the disposable code from the franchise point terminal 300 and transmit the wireless signal including the OTID and the disposable code to the franchise point terminal 300 at a short distance. Alternatively, the merchant wireless device 360 may receive the OTID, the disposable code, and transaction information from the merchant terminal 300 and transmit the wireless signal including the OTID, the disposable code, and the transaction information in a short distance. Hereinafter, technical features of the present invention will be described with reference to an embodiment in which the merchant-side wireless device 360 transmits a radio signal including OTID, a disposable code and transaction information, but the present invention is not limited thereto.

The user wireless terminal 400 is a collective term of a wireless terminal having a wireless signal related component capable of receiving a wireless signal transmitted through the affiliate shop wireless device 360 owned by the user, An operation app 420 for recognizing various kinds of information including OTID included in a wireless signal transmitted through the merchant wireless device 360 is installed and displayed on the OTID 400, And a payment application 450 for performing a payment procedure of a specific transaction identified through the OTID can be installed and executed.

The user wireless terminal 400 includes a short range wireless unit 410 that receives a wireless signal transmitted (or broadcasted) through the affiliate shop wireless device 360. The near field wireless unit 410 of the user wireless terminal 400 receives radio signals transmitted (or broadcasted) through the affiliated dealer wireless device 360 and wirelessly transmits wireless signals The present invention is not limited thereto.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be provided by the user (or with a designated application) before sending the wireless signal from the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, when the operating app 420 is activated (or activated), it is checked whether the local wireless unit 410 is activated so as to receive the designated wireless signal. If the local wireless unit 410 is not activated, And may perform a series of procedures for activating the short range wireless unit 410. Meanwhile, when the local wireless unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the activated local wireless unit 410 And receives the radio signal transmitted from the franchise point wireless device 360 and receives data transmitted from the franchise point wireless device 360 and digitizes the wireless signal received through the short- And can recognize the OTID included in the radio signal, the disposable code and the transaction information.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to send the wireless signal to the merchant's wireless device 360, May be driven (or activated) by the user wireless terminal 400 and the powered (or activated) operating app 420 may determine whether to transmit or receive wireless signals to the merchant wireless device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit / receive a radio signal to / from the affiliated store-side wireless device 360 based on the interface screen, the operating app 420 transmits the wireless signal to the affiliated store-side wireless device 360 via the local wireless unit 410, The merchant's wireless device 360 can transmit a wireless signal including the OTID, the disposable code, and transaction information based on the request signal. have.

According to the embodiment of the present invention, the request signal may include an identifier for identifying the user wireless terminal 400 (or the operating app 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side wireless device 360 may transmit the wireless signal including the OTID, the disposable code, and the transaction information and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the received wireless signal and recognizes the identifier, so that the received wireless signal is transmitted to the merchant wireless device It is possible to recognize that the radio signal is transmitted through the antenna 360.

Meanwhile, when the short range wireless unit 410 of the user wireless terminal 400 performs bidirectional short distance wireless communication with the affiliated dealer wireless device 360, the request signal includes the OTID, In this case, the franchise point wireless device 360 may transmit a radio signal including the OTID, the disposable code, and transaction information according to the command.

The operating app 420 that has transmitted the request signal to the merchant wireless device 360 via the short range wireless unit 410 receives the request from the merchant wireless device 360 through the short range wireless unit 410, Signal, and reads the digitized data of the received radio signal to recognize the OTID, the disposable code, and the transaction information included in the radio signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the wireless signal designated by the merchant wireless device 360, (Or activated). The operating app 420 activated (or activated) by receiving the radio signal can read the digitized data of the received radio signal and recognize the OTID, the disposable code, and the transaction information included in the radio signal.

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

If at least one of the first to fourth operational app operation embodiments recognizes the OTID and the disposable code and transaction information included in the wireless signal received from the merchant wireless device 360, 420 may output the transaction information through a designated interface screen on the application screen. The user who has confirmed the transaction information output through the designated interface screen of the operating app 420 can determine whether or not to process the payment based on the output transaction information, And can instruct the processing of payment of information.

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

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

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

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

The operating server 200 receives the identification information including the OTID and the disposable code from the authentication server 100 associated with the payment application 450 of the user wireless terminal 400, It is possible to authenticate the franchisee having the device 360 and to perform an authentication procedure to identify any transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identification and authenticated merchant.

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

According to an embodiment of the present invention, the operation server 200 reads the code system of the unique code read from the OTID and confirms whether the unique code is a code for separately identifying a merchant having the specified wireless device 360 .

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the wireless device 360 through a unique code read from the OTID, Corresponding to the unique code read from the OTID among the affiliated stores having the wireless device 360 by confirming that the inherent code read from the OTID is a unique code that uniquely identifies the affiliated store with the wireless device 360. [ Can be identified and authenticated.

According to an embodiment of the present invention, the operation server 200 inquires of a storage medium that associates and stores merchant-related information with a unique code of a merchant having the wireless device 360 through a unique code read from the OTID It is possible to identify and authenticate any one of the franchisees having the wireless device 360 corresponding to the unique code read from the OTID by checking the franchise-related information corresponding to the unique code read from the OTID.

Meanwhile, when the identification information includes the one-time code and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits information on the affiliate shop corresponding to the identified and authenticated affiliate shop Or a unique code read from the OTID), and based on the seed information, identifies one or more fixed seed values and at least one dynamic seed value (e.g., a time value corresponding to the current time (or standard time) And / or a value exchanged with the server side for authenticating the disposable code) to a designated code generation algorithm to generate a verification code of the specified code system, and compare the one-time code included in the recognition information with the verification code, The validity of the one-off code can be verified. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used to identify an object identified through the OTID (e.g., a merchant with a wireless device 360 and / The transaction registration information that is uniquely identified for a certain period of time through OTID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). 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.

Meanwhile, when the merchant corresponding to the unique code read from the OTID among the merchants having the wireless device 360 is identified and authenticated (or the merchant corresponding to the unique code read from the OTID is identified and authenticated, and the validity of the disposable code The operation server 200 transmits the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant to a transaction registration information . According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the operation server 200 determines whether or not the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the OTID The transaction registration information is uniquely identified.

And authenticates the franchisee having the wireless device 360 through the OTID included in the identification information, and authenticates the franchisee with the transaction registration information that is uniquely identified through the OTID among the transaction registration information registered in the identification and authenticated merchant And if the authentication procedure for authenticating the disposable code included in the recognition information is further performed according to the method of operation, the operation server 200 notifies the authentication 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 a transaction amount corresponding to one transaction registration information identified through the authentication procedure , An amount including the amount information of the transaction registration information as it is, or an amount calculated based on the amount information of the transaction registration information (for example, discounted by applying the discount information)) and information necessary for the payment processing (for example, Etc.) to the authentication server 100, and thus the present invention is not limited thereto. The transaction information provided from the operation server 200 is provided to the payment application 450 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 the first payment procedure embodiment of the present invention, the payment application 450 of the user wireless terminal 400 transmits the recognition information to the authentication server 100, (Or payment request information including the transaction information and the payment means information (or the payment means identifier for identifying the payment means information registered on the server side) to the authentication server 100, So that the authentication server 100 can process the payment procedure for the transaction information to the designated payment server 105 based on the authentication result information received from the operation server 200. [ For example, when the transaction information transmitted from the operational application 420 is displayed through the designated payment interface, the payment application 450 may transmit the recognition information and the transaction information Or the settlement request information generated through the terminal-side settlement procedure) to the authentication server 100. The authentication server 100 transmits the authentication information to the operation server 200, Upon receiving the result information, the authentication server 100 relays the transaction information (or the payment request information) to the designated payment server 105 based on the authentication result information received from the operation server 200, Side settlement procedure associated with the terminal-side settlement procedure through the server 105. [

Meanwhile, when the payment application 450 provides identification information and transaction information together with the authentication server 100, the authentication server 100 can provide the transaction information together with the identification information to the operation server 200. In this case, The operation server 200 may compare the transaction registration information identified through the identification information with the transaction information provided from the authentication server 100 and perform a process of authenticating whether or not the transaction information matches the transaction registration information. And the like.

According to the second payment procedure embodiment of the present invention, the payment application 450 of the user wireless terminal 400 transmits the recognition information to the authentication server 100, And may receive the authentication result information provided from the operation server 200 from the authentication server 100. [ The payment application 450 reads the authentication result information and performs the designated terminal side settlement procedure at the time of successful authentication (but before outputting the recognition information to the authentication server 100, the payment application 450 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 To the authentication server 100. The authentication server 100 receives the transaction information (or payment request information) from the payment application 450 and relays the transaction information to the designated 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 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

According to the third payment procedure embodiment of the present invention, when the transaction information is not provided from the operational application 420 (even if transaction information is provided from the operational application 420), the user wireless terminal 400 Transmits the recognition information to the authentication server 100 so as to perform the designated authentication procedure through the designated operation server 200 and then transmits the authentication information to the authentication server 100 (For example, output via a payment interface for performing a payment process on the terminal side) by receiving the transaction information provided from the operation server 200 together with the authentication result information. The payment application 450 reads the authentication result information and performs the designated terminal side settlement procedure at the time of successful authentication, and in cooperation with the transaction information (or the transaction information and the payment means information (or the payment means information registered on the server side) And the authentication server 100 may receive the transaction information (or the settlement request information) from the payment application 450, and may transmit the transaction information (or the settlement request identifier) To the designated payment server 105, and processes the server-side payment procedure associated with the terminal-side payment procedure through the payment server 105. [ Meanwhile, the payment application 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

According to the fourth payment procedure embodiment of the present invention, the payment application 450, the authentication server 100, and the payment server 105 may at least partially combine at least two or more of the first to third payment procedure embodiments The management server 200 provides the identification information to the operation server 200 in the form of omitting / modifying some of the configuration, performing a designated authentication procedure, and then, based on the authentication result information of the authentication procedure, The present invention can be implemented by at least partially combining at least two or more of the first to third settlement procedure embodiments or by performing all the implementations that can be derived by omitting / It is to be expressly stated that the examples may be included in the scope of the right.

The payment server 105 receives the transaction information (or payment request information) from the authentication server 100 (or the payment application 450) and transmits the transaction information (or the payment request information) to the payment server 450 (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 450), and the authentication server 100 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200, The operation server 200 may provide the payment result information to the designated merchant terminal 300. Meanwhile, the payment server 105 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200 according to the embodiment, and thus the present invention is not limited thereto.

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

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

The operation server 200 according to the embodiment of the present invention can operate in cooperation with the payment application 450 installed in the user wireless terminal 400 and can operate the merchant terminal 300 operated by the merchant having the wireless device 360, And can interoperate with the authentication server 100 associated with the payment application 450. 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? 2) And a block-chain operating unit 285 that interfaces with the block-chain network 110 implementing the block-chain network 110 or implementing the block-chain network 110.

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

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

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 2, the operation server 200 includes an agent store registration information for an affiliated store having a wireless device 360, 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 terminal information or registering a unique code for separately identifying a merchant having the wireless device 360 and storing the unique code in association with the merchant- Respectively.

The merchant registration information for the merchant, the merchant information given to the merchant for settlement, the merchant information on the merchant-side terminal 300 (or a separate operating terminal) having the wireless device 360, , 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 300 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the wireless device 360 requests registration of a unique code that uniquely identifies the merchant, the information storage unit 205 stores It is possible to identify a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code identifying embodiments, May be processed in association with the merchant-related information and stored in a designated storage medium.

Meanwhile, when the one-time use code is generated and authenticated during the reverse payment of the merchant having the wireless device 360, the merchant terminal 300 transmits seed information related to the seed value for generating / authenticating the one- And the information storage unit 205 stores the seed value required for generating and authenticating the one-time use code with the merchant terminal 300 (or the merchant wireless device 360 via the merchant terminal 300) Exchanges / shares seed information for determination, 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 includes a transaction registration receiving unit 210 receiving transaction registration information including amount information from an affiliate shop terminal 300 operated by an affiliated store including the wireless device 360 ), A franchisee having the wireless device (360) separately from the franchisee-side terminal (300), and for uniquely identifying a specific transaction corresponding to the transaction registration information for at least a certain period of time, An OTID receiving unit 215 for receiving an OTID generated through the wireless device 360 separately provided in the wireless terminal 360, a transaction registration management unit 220 for storing the transaction registration information and the OTID in association with each other, And a registration result providing unit 225 for providing registration result information in which the transaction registration information and the OTID are registered in association with each other.

The merchant terminal 300 operating in the merchant having the wireless device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and configures the transaction registration information including the amount information, 200, the transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the merchant terminal 300.

According to an embodiment of the present invention, the transaction registration information includes the amount information, and may further include product information and / or date information according to the method of operation, or may further include at least one merchant related information. Meanwhile, the transaction registration information may further include a separately allocated unique code according to the embodiment, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code, etc.) included in the transaction registration information, (For example, merchant-related information and / or unique code) registered in the merchant terminal 300 and transmits the transaction registration information to the merchant operating the merchant terminal 300, .

The wireless device 360 included in the merchant registering the transaction registration information (or the merchant operating the terminal 300 having registered the transaction registration information) separately identifies the merchant having the wireless device 360 separately At the same time, an OTID that uniquely identifies a particular transaction corresponding to the transaction registration information uniquely for at least a predetermined time is generated, and the generated OTID is transmitted to the merchant terminal 300. When the OTID receiver 215 transmits the OTID from the merchant terminal 300 to the operation server 200, the OTID receiver 215 receives the OTID from the merchant terminal 300.

When the transaction registration information is received through the transaction registration receiving unit 210 and the OTID is received through the OTID receiving unit 215, the transaction registration managing unit 220 receives the transaction received through the transaction registration receiving unit 210 (Or at least a part of the transaction registration information including the amount information) and the OTID received through the OTID receiving unit 215, and stores the OTID in a designated storage medium. Preferably, the OTID includes a validity period that is valid for a predetermined time, and the transaction registration management unit 220 stores and manages the OTID in a storage medium designated to hold the OTID for the valid time of the OTID .

The registration result providing unit 225 constitutes registration result information including the registration result in which the transaction registration information is linked with the OTID, and registers the registration result information in the member terminal 300, which registers the transaction registration information and the OTID, And the merchant terminal 300 receives the registration result information. Preferably, the registration result information may include an OTID associated with the transaction registration information.

The merchant terminal 300 receiving the registration result information transmits the wireless signal including the OTID through the merchant point wireless device 360 associated with the merchant terminal 300 within the valid time of the OTID And the franchise point wireless device 360 may transmit the disposable code generated by the merchant terminal 300 through at least one of the first to third disposable code generation embodiments of the present invention in addition to the OTID, Or one or more disposable codes generated through the wireless device 360. The wireless device 360 may also transmit a wireless signal including at least one disposable code. Hereinafter, features of the present invention will be described, focusing on an embodiment in which the wireless device 360 transmits a radio signal including the OTID, the disposable code, and transaction information for convenience.

The wireless signal transmitted through the merchant-side wireless device 360 is received by the user wireless terminal 400 through at least one of the first through fourth operational application embodiments of the present invention, ). &Lt; / RTI &gt; Preferably, the wireless signal transmitted through the merchant-side wireless device 360 may be received by one or more wireless terminals existing within a certain distance of the wireless device 360, The user wireless terminal 400 executing the operating app 420 can read the received wireless signal through the operating app 420 and recognize the OTID, the disposable code, and the transaction information included in the wireless signal. When the operating application 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the wireless device 360 to send the wireless signal to the nearby wireless device 360 If the wireless device 360 transmits a wireless signal including the OTID and the disposable code and the transaction information based on the request signal, the operating app 420 of the user wireless terminal 400 The wireless signal received from the wireless device 360 may be read to recognize the OTID and the disposable code. Meanwhile, the wireless device 360 may control the signal strength so that the wireless signal can effectively reach a predetermined distance or less, and transmit the signal to the user wireless terminal 400, which receives the wireless signal, The operating application 420 of the user wireless terminal 400 can be driven (or activated) by receiving the wireless signal to recognize the OTID and the disposable code and transaction information included in the wireless signal .

The operating app 420 of the user wireless terminal 400 can read the wireless signal and output the transaction information through the designated interface screen on the application screen within the effective time of the recognized OTID. On the other hand, at the time of determining the payment transaction of the transaction information, the operation app 420 confirms the payment transaction decision of the transaction information, and selects a payment application (Or activates) the OTID and the disposable code and transaction information to the payment application 450 that is driven (or activated).

The activated (or activated) payment application 450 receives and shares the OTID, the disposable code and the transaction information from the operating application 420, and outputs the transaction information through the designated payment interface set in the application To perform the designated terminal side settlement procedure.

The payment application 450 receiving the OTID and the disposable code and the transaction information from the operating app 420 constitutes recognition information including the OTID and the disposable code, The authentication server 100 transmits the identification information to the designated authentication server 100 in cooperation with the payment procedure corresponding to at least one of the authentication server 100 and the designated operation server 200. [

Referring to FIG. 2, the operation server 200 receives the radio signal transmitted from the franchise point wireless device 360 provided at the franchisee within the valid time of the OTID, Reads the radio signal from the authentication server 100 connected to the payment application 450 that is driven in the user wireless terminal 400 through the designated operation application 420 and recognizes the radio signal, An authentication information receiving unit 230 for receiving the identification information including the OTID transmitted to the app 450, and an authentication unit 230 for reading the received OTID and identifying the franchisee visited by the user as an affiliated store having the wireless device 360 An identification / authentication processing unit 235 performing an authentication procedure for authenticating the one-time code when the one-time code is included in the identification information, and a registration / authentication processing unit 235 for registering the one- A transaction registration confirmation unit (240) for performing an authentication procedure for confirming any transaction registration information uniquely identified through the OTID among the transaction registration information, and an authentication result information including the authentication result of the performed authentication procedure And an authentication result providing unit (245) for providing the authentication result to the authentication server (100). The payment result information of the payment procedure performed based on the authentication result information is processed and processed as payment result of the registered transaction registration information And a settlement result processing unit 355 (250).

When the payment application 450 of the user wireless terminal 400 configures the recognition information including the OTID and the disposable code and transmits the recognition information to the specified authentication server 100, the authentication server 100 transmits the authentication information to the operation server 200 The recognition information receiving unit 230 receives recognition information including the OTID and the disposable code from the authentication server 100. [ In addition, the present invention may further include transaction information that is recognized by the operating app 420 as the recognition information according to the embodiment, and thus the present invention is not limited thereto.

The identification / authentication processing unit 235 reads the OTID included in the recognition information and reads the inherent code concealed in the OTID. The identification / authentication processing unit 235 may read the OTID through the decoding rule corresponding to the encoding rule for generating the OTID and read the unique code concealed in the OTID. For example, when the OTID is generated through at least one embodiment of the first to sixth OTID generation embodiments of the present invention, the identification / authentication processing unit 235 performs the identification of the first to sixth OTID generation examples The OTID may be read according to a decoding rule corresponding to at least one of the OTIDs, and the inherent code hidden in the OTID may be read.

According to the embodiment of the present invention, the identification / authentication processing unit 235 reads out the code system of the unique code read from the OTID and separately codes the merchant having the unique code designated wireless device 360 .

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the OTID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read from the OTID to confirm whether the inherent code read from the OTID actually is a unique code that uniquely identifies a franchisee having the wireless device 360, 360, and identifies the franchisee corresponding to the unique code read out from the OTID and that the wireless device 360 is provided at the identified franchisee.

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the OTID and stores the unique code registered through the information storage unit 205 and the merchant- (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the OTID, and confirms the merchant-related information corresponding to the unique code read from the OTID , It is possible to identify a franchisee corresponding to a unique code read out from the OTID among the franchisees having the wireless device 360 and to certify that the wireless device 360 is provided at the identified franchisee.

Meanwhile, when the identification information received through the recognition information receiving unit 230 includes the disposable code and seed information for authenticating the disposable code to the operation server 200, the identification / authentication processor 235 (Or a unique code read out from the OTID) corresponding to the affiliated merchant that is identified and authenticated, and based on the seed information, generates at least one fixed seed value and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the OTID is used as an identification means for authenticating the validity of the disposable code, and the disposable code is used to identify an object identified through the OTID (e.g., a merchant with a wireless device 360 and / The transaction registration information that is uniquely identified for a certain period of time through OTID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

(Or a unique code read from the OTID) corresponding to the OTID is identified and authenticated among the franchisees having the wireless device 360 (or the franchisee corresponding to the unique code read from the OTID) The transaction registration confirmation unit 240 determines whether the one-off code is valid or not at the same time as the transaction registration information registered through the merchant terminal 300 of the identified and authenticated merchant And identifies any transaction registration information uniquely identified through the OTID.

According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the transaction registration confirmation unit 240 identifies the transaction registration information from the transaction-terminal-side terminal 300 operated by the merchant- It is possible to identify a transaction registration information that is unique and unique during the transaction.

Meanwhile, according to the embodiment of the present invention, when the validity time of the OTID has not elapsed but transaction registration information uniquely identified through the OTID is not confirmed, the merchant terminal 300 The transaction registration confirmation unit 240 may receive the OTID through the wireless device 360 of the merchant point and recognize it through the operating app 420 of the user wireless terminal 400. In this case, (Or a designated timeout) from the merchant terminal 300 via the OTID and register the transaction registration information uniquely identified for a predetermined time period within the validity time (or the designated timeout) It is possible to confirm transaction registration information that is uniquely identified for a certain period of time through the OTID among the transaction registration information. Alternatively, the transaction registration confirmation unit 240 may request the merchant terminal 300 to register transaction registration information to be uniquely identified for a certain period of time through the OTID.

Meanwhile, when receiving the transaction information provided by the payment application 450 via the authentication server 100 or receiving the recognition information further including the transaction information from the authentication server 100, Unit 240 may further perform an authentication procedure for authenticating whether the transaction information registered as identified and the transaction information are matched, and thus the present invention is not limited thereto.

An authentication procedure for authenticating a franchisee having the wireless device 360 through the OTID and a transaction registration information uniquely identified for a predetermined time through the OTID among the transaction registration information registered at the identified and authenticated merchant When the authentication procedure for identifying and verifying the validity of the disposable code is performed in accordance with the method of performing the authentication, the authentication result providing unit 245 generates the authentication result using the information included in the identification information, And provides the authentication result information including the authentication result for the authentication procedure 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 245 confirms the amount information of the transaction registration information confirmed at the time of successful authentication of the authentication procedure, 400, configures transaction information including the calculated / verified transaction amount, and provides the transaction information together with the authentication result information to the authentication server 100. By this, The present invention is not limited thereto.

The authentication server 100 receives the authentication result information from the operation server 200 and generates authentication result information corresponding to at least one embodiment of the first to fourth settlement procedure embodiments of the present invention Process the settlement procedure to be performed.

For example, in the case of the first settlement procedure embodiment of the present invention, the authentication server 100 transmits the settlement request from the settlement app 450 to the settlement application 450 in cooperation with the settlement process performed through the settlement application 450 of the user wireless terminal 400 (Or payment request information) for processing. When receiving the authentication result information from the operation server 200, the authentication result information is read and the payment server 105 designated at the time of confirming the authentication success reads the transaction information (Or payment request information), the payment server 105 performs a payment process for the transaction information by performing a specified server-side payment procedure based on the transaction information (or payment request information) have.

Alternatively, in the case of the second payment procedure embodiment of the present invention, the authentication server 100 receives the authentication result information from the operation server 200, and transmits the authentication result information to the payment application 450 providing the recognition information . In this case, the payment application 450 reads the authentication result information, performs the specified terminal side settlement procedure (if omitted), and transmits the transaction information (or the settlement 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 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

Meanwhile, in the third payment procedure embodiment of the present invention, the authentication server 100 receives the authentication result information and the transaction information from the operation server 200, and transmits the authentication information and the transaction information to the payment application 450, And can provide result information and transaction information. In this case, the payment application 450 reads the authentication result information, outputs the transaction information upon successful authentication, performs the designated terminal-side payment procedure, and transmits the transaction information (or the payment request information) to the authentication server 100 And the authentication server 100 relays the transaction information (or the payment request information) to the designated payment server 105 so that the transaction information (or the payment request information) The settlement of the transaction information can be processed by performing a specified server-side settlement procedure based on the settlement information. Meanwhile, the payment application 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

The payment server 105 receives transaction information (or payment request information) according to at least one embodiment of the first to fourth payment procedure embodiments of the present invention, performs a specified server-side payment procedure, (For example, a payment approval or a payment error) of the payment procedure performed by the authentication server 100 (or the payment application 450), and transmits the payment result information to the authentication server 100 can do. The authentication server 100 may provide the payment result information to the payment application 450 and / or provide the payment result information to the operation server 200. [

The settlement result processing unit 250 receives the settlement result information from the authentication server 100 (or the settlement server 105 or the like), and stores the transaction registration information corresponding to the settlement result information in the merchant terminal 300, To provide the settlement result information. Meanwhile, the payment result processing unit 250 can receive the payment result information from the payment application 450 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

FIG. 3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a franchise-point-side terminal 300 operated by a franchisee having a wireless device 360 and a wireless device 360 provided at the franchisee. It is possible to refer to and / or modify the FIG. 3 to various methods of functional configuration of the merchant-side terminal 300 and the wireless device 360 (e.g., It is to be understood that the invention is not limited to the particular embodiments illustrated and described herein, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Referring to FIG. 3, the merchant terminal 300 includes a terminal control unit 402, a terminal memory 314, an output processing unit 304, an input processing unit 306, a media interlocking unit 308 An interface unit 310, and a communication processing unit 312, and has a power supply unit (not shown) for supplying power.

The terminal control unit 302 is a generic term for controlling the operation of the affiliate shop terminal 300. The terminal control unit 302 includes at least one processor and an execution memory, (BUS). According to the present invention, the terminal control unit 302 loads at least one program code included in the terminal 300 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the terminal 300. FIG. Hereinafter, the functional configuration of the merchant application 315 implemented in the form of program code will be described in the terminal control unit 302 for convenience.

When the merchant terminal 300 is a merchant terminal provided at an affiliated store for a designated payment (for example, forward payment) according to an embodiment of the present invention, the merchant terminal may be a merchant payment unit (315), and the present invention is not limited thereto.

The terminal memory 314 is a generic name of a nonvolatile memory included in the terminal 300 and includes at least one program code executed through the terminal control unit 302 and at least one data set used by the program code And stores it. The terminal memory 314 basically comprises a system program code and a system data set corresponding to the operating system of the terminal 300, a communication program code and a communication data set for processing a wireless communication connection of the terminal 300, An application program code and an application data set, and the program code and data set corresponding to the program of the present invention are also stored in the terminal memory 314.

The output processing unit 304 includes a screen output device (e.g., a liquid crystal display (LCD) or the like) and a driving module for driving the output outputting unit 304. The output processing unit 304 is connected to the terminal control unit 302, And outputs an operation result corresponding to the screen output through the screen output device.

The input processing unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen interlocked with the output processing unit 304) and a driving module for driving the input unit. Or inputs data necessary for the operation of the terminal control unit 302. The terminal control unit 302 is connected to the terminal control unit 302 via a network.

The media interlocking unit 308 is a collective term for a component that interlocks with a media designated for payment (e.g., forward payment) through the merchant payment unit 315. [ For example, the media interlocking unit 308 may include a card reader unit for reading card information for card settlement to be processed through the merchant payment unit 315 from a card of a customer who visited the merchant. Alternatively, the media interworking unit 308 may include an NFC function unit for reading media information for payment to be processed through the merchant payment unit 315 from the NFC medium owned by the customer. In other words, the media interlocking unit 308 may be any unit provided for interlocking with the media required for settlement processing through the merchant payment unit 315, and is not limited by a specific medium or an interlocking system .

The interface unit 310 is connected to the affiliated store-side wireless device 360 provided at the affiliated store with at least one specified local area communication (e.g., at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication, etc.). Preferably, the franchise-point-side terminal 300 may interwork with the wireless device 360 provided at the franchisee through the interface unit 310.

The communication processing unit 312 is a collective term for the franchise point side terminal 300 to connect to the designated communication network and connects the franchise point side terminal 300 to a designated wired communication network and / To a designated wireless communication network.

The merchant terminal 300 installs a designated merchant application 315 for reverse payment in accordance with the present invention and the merchant application 315 is a separate application installed on the merchant terminal 300 Or may be implemented through an application corresponding to the merchant payment unit 315 or may be implemented through an application corresponding to the merchant payment unit 315. The merchant application 315 may be implemented in the form of an integrated application operating in conjunction with the merchant payment unit 315, The present invention is not limited thereto.

Referring to FIG. 3, the merchant application 315 of the merchant terminal 300 may register at least one merchant-related information in the specified operating server 200, or may register an affiliate shop having the wireless device 360 And an information registration unit 325 for registering a unique code which is separately distinguished.

The information registering unit 325 registers at least one of the merchant registration information for the merchant having the wireless device 360, the merchant information given to the merchant for settlement, and the terminal information provided at the merchant terminal 300, Related information to the operation server 200 by requesting the operation server 200 to input the information related to the franchise to the operation server 200 and transmitting the input / May store the merchant-related information in a designated storage medium.

Meanwhile, the information registering unit 325 may request registration of a unique code that uniquely identifies a franchisee having the wireless device 360, to the designated operation server 200. In this case, Identifying the unique code corresponding to at least one of the first through fourth eighth embodiments of the present invention according to at least one of the first through sixth eighth embodiments of the present invention, The code may be processed in association with the merchant-related information and stored in a designated storage medium.

On the other hand, when generating the one-time code including the code value of the designated code system in the merchant terminal 300, the information registering unit 325 registers the seed information for generating / authenticating the disposable code with the designated operation server 200 (E.g., a rule for determining a fixed seed value and / or a seed value), and may exchange the exchanged / shared seed information with a designated storage area (or storage area) of the merchant terminal 300 A designated storage area of the merchant's wireless device 360).

Referring to FIG. 3, the merchant application (315) of the merchant terminal (300) inputs / confirms the amount information for the reverse payment and transmits the transaction registration information including the amount information to the designated operation server An OTID confirmation unit 335 for confirming the OTID generated through the wireless device 360 separately provided to the merchant, and an OTID confirmation unit 335 for confirming the confirmed OTID to the designated operation server 200 And an OTID registration unit 340 for registering and transmitting the transaction registration information to the OTID registration unit 340. The OTID registration unit 340 authenticates the validity of the transaction registration information identified for a certain period of time through the OTID and a franchisee (= a franchisee having the radio device 360) identified through the OTID And a code generation unit 345 for generating a one-time code including a code value of a code system specified for the code system.

The transaction registration unit 330 receives the amount information for reverse payment or confirms it according to a designated procedure, and constructs transaction registration information including the amount information to transfer it to the operation server 200 to request registration. The operation server 200 may receive the transaction registration information including the amount information and store the received transaction registration information in a designated storage medium.

The OTID confirmation unit 335 transmits the transaction registration information to the operation server 200 at a predetermined time point before, during, after, and after the transaction registration unit 330 transmits the transaction registration information to the operation server 200. [ ) To identify a franchisee having the wireless device 360 separately according to at least one embodiment of the first to sixth OTID generation embodiments of the present invention, and to perform a specific transaction corresponding to the transaction registration information Identify the OTID that was generated to uniquely identify it at least for a certain period of time.

According to the embodiment of the present invention, the OTID confirmation unit 335 requests the OTID to the wireless device 360 interworking through the interface unit 310, and then transmits the OTID generated and provided by the wireless device 360 . Alternatively, the OTID confirmation unit 335 can read an event generated through the interface unit 310 and confirm the OTID generated and provided by the wireless device 360. [

When the OTID generated through the merchant-side wireless device 360 is confirmed through the OTID confirmation unit 335, the OTID registration unit 340 transmits the generated OTID to the designated operation server 200 and requests registration . The operation server 200 may store the transaction registration information and the OTID in association with each other, and may provide the registration result information including the registration result in which the OTID and the transaction registration information are linked and registered with the merchant terminal 300, The transaction registration unit 330 (or the OTID registration unit 340) receives the registration result information from the operation server 200.

The code generation unit 345 includes a code value of a code system designated for authenticating the validity of the registered transaction registration information with an affiliated shop (= a merchant having a designated radio device 360) uniquely identified through the OTID You can create a one-off code to do this. Preferably, the code generator 345 may generate the disposable code through at least one of the first to third disposable code generation embodiments of the present invention.

Referring to FIG. 3, the merchant application 315 of the merchant terminal 300 receives a radio signal including the OTID from a merchant radio unit 360 connected to the interface unit 310, And a result processing unit 355 for receiving the settlement result information from the operation server 200 and outputting the result of settlement to the signal transmission processing unit 350.

The signal transmission processing unit 350 confirms the OTID received through the OTID receiving unit 215 and transmits the OTID to the merchant point wireless device 360 connected through the interface unit 310 within the valid time of the OTID So that the wireless signal including the OTID can be transmitted through the wireless device 360 in a short distance. Meanwhile, when the disposable code is generated through the code generation unit 345, the signal transmission processing unit 350 transmits the OTID received through the OTID receiving unit 215 and the generated disposable code to the interface unit 310, To the merchant-side wireless device 360 through the wireless device 360, so that the wireless signal including the OTID and the disposable code can be transmitted through the wireless device 360 in a short distance. Meanwhile, the disposable code may be generated through the wireless device 360 and included in the wireless signal according to an embodiment.

On the other hand, if the operation server 200 confirms and provides the payment result information corresponding to the registered transaction registration information, the result processing unit 355 receives and outputs the payment result information from the operation server 200. The process of transmitting the radio signal through the signal transmission processing unit 350 and the process of receiving the payment result information through the result processing unit 355 may be performed asynchronously (e.g., through the signal transmission processing unit 350) It is possible to process a radio signal including another OTID before receiving the payment result information after the radio signal including the OTID is transmitted), and each transaction asynchronously processed is uniquely identified for a predetermined time through OTID do.

Referring to FIG. 3, the merchant point wireless device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and a wireless signal unit 368.

The device control unit 362 is a collective term for controlling the operation of the affiliate shop-side wireless device 360. The device control unit 362 includes at least one processor and an execution memory, And the bus (BUS). According to the present invention, the device control unit 362 loads at least one program code included in the wireless device 360 through the processor and loads the program code into the execution memory, and outputs the result through at least one And controls the operation of the wireless device 360. FIG. Hereinafter, the functional configuration of the present invention implemented in the form of a control circuit, an integrated circuit, and a program code in the wireless device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a generic term for a non-volatile memory included in the wireless device 360 and includes at least one program code executed via the device control 362 and at least one data set And stores it. The device memory 366 basically comprises a system program code and a system data set corresponding to the operating system of the wireless device 360, a communication program code and communication data set for processing a wireless communication connection of the wireless device 360, One application code and one 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 device memory 366.

The terminal interlocking unit 364 is connected to the affiliated shop terminal 300 provided at the affiliated store with at least one specified local area communication (for example, at least one of Bluetooth, WiFi, NFC, and RF communication or USB, RS232, Wired communication, etc.). The franchise point wireless device 360 may interwork with the franchise point-side terminal 300 provided at the franchisee through the terminal interlocking unit 364.

The wireless signal unit 368 is a collective term for transmitting (or broadcasting) a wireless signal of a specified wireless signal standard that can be received through the short range wireless unit 410 provided in the user wireless terminal 400, And a function of receiving a designated radio signal in addition to the function of transmitting (or broadcasting). The wireless signal unit 368 modulates the information set generated through the device control unit 362 into a wireless signal of a designated wireless signal standard and transmits the wireless signal to the wireless signal unit 368 at a predetermined signal intensity (for example, Signal strength, etc.) through an antenna (not shown). Alternatively, the radio signal unit 368 may receive the radio signal of the specified radio signal standard and transmit the acquired data to the device control unit 362. The device control unit 362 may process the information corresponding to the data Procedure can be performed.

According to the method of the present invention, the wireless signal unit 368 can transmit a Bluetooth-based asynchronous wireless signal (for example, a wireless signal broadcasted without specifying the receiving side (or without pairing) in the specification after the Bluetooth 4.0) have. Or the wireless signal unit 368 may transmit a Wi-Fi based asynchronous wireless signal. Alternatively, the wireless signal unit 368 may transmit a wireless signal of a NFC (Near Field Communication) standard. In this case, the wireless device 360 may operate in any one of a reader / writer mode, a tag mode, have. Alternatively, the wireless signal unit 368 can transmit a radio signal of a RFID standard. That is, the radio signal unit 368 is a component that receives (or broadcasts) a recognizable radio signal through a radio signal-related component provided in a user wireless terminal 400 located at a nearby location, The present invention should not be construed as limiting the scope of the present invention to the components for transmitting radio signals of a specific radio signal standard.

Referring to FIG. 3, the merchant-side wireless device 360 separately identifies a merchant having the wireless device 360, and at the same time, a specific transaction corresponding to the transaction registration information is uniquely identified And an OTID provider 375 for providing the generated OTID to the franchise-point-side terminal 300. The OTID generator 370 generates an OTID to identify the OTID.

The OTID generator 370 may generate an OTID based on a request (or command) received from the merchant terminal 300. Alternatively, the OTID generator 370 may generate the OTID based on an input operation using an operation unit (not shown) provided in the wireless device 360. [ Alternatively, the OTID generator 370 may periodically generate the OTID.

According to an embodiment of the present invention, the OTID generator 370 may separately identify a franchisee having the wireless device 360 according to at least one embodiment of the first to sixth OTID generation embodiments of the present invention, And generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined time period. Preferably, the OTID may be generated in a disposable manner to hide the designated unique code so that it can be read only through a predetermined specific device / server, and at the same time to have a different code value for each transaction corresponding to the transaction registration information.

According to the embodiment of the present invention, the OTID generation unit 370 identifies a unique code that uniquely identifies a franchisee having the wireless device 360 separately, and reads the unique code only through a specified specific device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. Preferably, the OTID generator 370 may generate a disposable OTID hidden from the unique code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only uniqueness that identifies a particular object, identification that identifies a particular object, one-off that identifies a particular transaction for a period of time, etc., as well as multiple identities that simultaneously identify a particular transaction with a merchant with the wireless device 360, .

Meanwhile, according to another embodiment of the present invention, the OTID generator 370 determines a temporary unique code that is not duplicated for a predetermined period of time without using the unique code, and transmits the temporary unique code to the wireless device 360 ), And at the same time, an OTID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time can be generated, so that the present invention is not limited thereto .

The OTID providing unit 375 provides the OTID generated through the OTID generating unit 370 to the merchant terminal 300 through the terminal interlocking unit 364 and the OTID of the merchant terminal 300 The confirmation unit 335 may receive the OTID generated through the OTID generation unit 370 of the wireless device 360 through the interface unit 310. [

The merchant terminal 300 may transmit the radio signal including the OTID through the radio device 360 after transmitting the OTID to the designated operating server 200 and registering the OTID.

Referring to FIG. 3, the merchant-side wireless device 360 includes an information checking unit 380 for checking an OTID to be transmitted through a radio signal of a designated radio signal standard, And a signal transmission unit 390 for transmitting a radio signal including the transmission information configured through the radio signal unit 368

The information verifying unit 380 checks the OTID to be transmitted through the wireless signal in cooperation with the merchant-side terminal 300 through the terminal interlocking unit 364. Alternatively, the information verifying unit 380 may confirm the OTID generated through the OTID generating unit 370 and transmitted to the merchant terminal 300 through the OTID provider 375 to the OTID .

Meanwhile, the information verifying unit 380 checks the disposable code to be transmitted through the wireless signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364, or transmits the disposable code through the wireless signal You can generate one-off codes to do.

The information constructing unit 385 constructs transmission information including the identified OTID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ When the disposable code is confirmed / created through the information verifying unit 380, the information configuring unit 385 extracts the identified OTID from the identified information structure readable by the operating app 420 of the user wireless terminal 400, And dispatch information including a disposable code. Hereinafter, characteristics of the present invention will be described focusing on an embodiment in which OTID and disposable code are included in the transmission information.

When the transmission information including the OTID and the disposable code is configured through the information configuration unit 385, the signal transmission unit 390 transmits the designated radio signal standard including the transmission information through the radio signal unit 368 (E.g., a signal strength that can be received through the wireless terminal 400 within a specified distance), and the wireless signal unit 368 is configured to transmit the wireless signal through the antenna And transmits the radio signal of the specified radio signal standard including the transmission information.

Meanwhile, according to one embodiment of the present invention, the operating application 420 executed in the user wireless terminal 400 can transmit a request signal for requesting the wireless signal, and the wireless signal unit 368 transmits the request And provides the obtained data to the device control unit 362. The device control unit 362 controls to check the OTID and the disposable code through the information checking unit 380 according to the request signal , And / or controls to configure the transmission information including the OTID and the disposable code via the information configuration unit 385, and / or controls the transmission of the radio signal including the transmission information via the signal transmission unit 390 So that the radio signal corresponding to the request signal is transmitted, so that 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 a functional configuration of the operating app 420 and the payment app 450 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional description of the present invention Those skilled in the art will be able to refer to and / or modify the FIG. 4 to derive various implementations of the functionality of the wireless terminal 400, but the present invention includes all of the above- And the technical features thereof are not limited only by the method shown in FIG. Preferably, the wireless terminal 400 of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

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

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

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one Save and maintain the dataset. The memory unit 418 basically 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 that operates in conjunction with the screen output unit 404), and a drive module that drives the touch screen. And inputs a command for instructing various operations of the control unit 402 or data necessary for the operation of the control unit 402. [

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

The short range wireless unit 410 receives a radio signal transmitted (or broadcast) in accordance with a radio signal standard specified in a short distance within a predetermined distance from the constituent units provided in the wireless terminal 400, , And preferably includes a function of receiving a radio signal transmitted according to a radio signal standard designated by the affiliate shop-side radio device 360.

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

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

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

According to an embodiment of the present invention, the short range wireless unit 410 may include a reader unit for transmitting a radio signal of a RFID standard. In this case, the wireless device 360 may operate as a tag. In other words, the short range wireless unit 410 can be any component that can effectively receive the wireless signal transmitted from the affiliate shop-side wireless device 360, and the wireless communication unit 410 belongs to the right scope of the present invention. The present invention is not limited to receiving components.

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

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

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

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

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

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

The control unit 402 of the wireless terminal 400 accesses a designated operating app 420 and a payment app 450 from a designated application providing server (for example, an Apple App Store or the like) through a data network connectable via the communication resource You can download and install it.

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for checking a wireless signal received from the affiliate point wireless device 360 via the short range wireless unit 410, A signal recognition unit 430 for recognizing various kinds of information including OTID included in the wireless signal received from the merchant wireless device 360, and a control unit 430 for checking whether or not to execute the payment processing of the transaction identified through the recognized OTID And a transaction processing unit 440 that drives (or activates) the payment application 450 designated at the time of confirming the payment processing execution and processes the settlement procedure of the transaction identified through OTID to be performed, The transaction information display unit 435 outputs the recognized transaction information through the designated interface screen.

The signal confirming unit 425 receives the radio signal transmitted from the affiliate shop wireless device 360 via the short range wireless unit 410 through at least one of the first to fourth operational app operation embodiments of the present invention. Is received. If the wireless signal transmitted from the merchant wireless device 360 is received, the signal recognizer 430 reads the data corresponding to the wireless signal confirmed through the signal checker 425, The OTID included in the radio signal, and the disposable code and transaction information included in the radio signal. Hereinafter, technical features of the present invention will be described with reference to an embodiment in which the radio signal includes OTID, disposable code, and transaction information, but the present invention is not limited thereto.

When the transaction information included in the wireless signal is recognized through the signal recognition unit 430, the transaction information display unit 435 displays the transaction information on the designated interface screen set in the application. Preferably, the transaction processor 440 reads a user operation on the interface screen and confirms whether the settlement process for the transaction information is determined to be executed. Meanwhile, even if the transaction information is not displayed, the transaction processing unit 440 displays an interface screen for guiding the user to determine whether or not to execute the settlement processing by recognizing the OTID, reads the user operation on the interface screen, It can be confirmed whether or not the settlement processing for the information is decided to be executed.

(Or activates) the specified payment application 450 and confirms that the settlement procedure of the transaction identified through OTID is performed at the confirmation of the payment transaction for the transaction to be identified through the OTID (or the transaction information). According to the embodiment of the present invention, the transaction procedure using the transaction information is performed through a designated separate payment application 450. To this end, the transaction processing unit 440 transmits the payment application 450 (Or activating) the payment app 450 installed in the wireless terminal 400. The payment app 450 may be installed in the mobile terminal 400, The OTID and the disposable code and the transaction information, which are recognized through the signal recognition unit 430, are transmitted to the payment application 450 while being driven (or activated) can do.

4, the payment application 450 of the wireless terminal 400 is operated (or activated) in the wireless terminal 400 and at the same time is checked whether it is driven (or activated) through the designated operating application 420 A shared information checking unit 460 for checking various information including the OTID shared and delivered from the operating app 420, a status checking unit 460 for checking the OTID among the shared information transmitted from the operating app 420, A recognition information transmitting unit 465 configured to transmit the identification information including the identification information to the specified authentication server 100 and the authentication server 100 to relay the identification information to the designated operation server 200, 200 transmits the payment transaction of the specific transaction identified through the OTID to the designated payment server 105 in the authentication server 100 when performing the authentication process based on the recognition information and providing the authentication result information, Procedures to handle as many as possible And a payment procedure processing unit 470 for performing payment processing.

The state checking unit 455 controls the operation of the payment application 450 in the wireless terminal 400 while the payment application 450 is activated (or activated) through the designated operation application 420, (Or activated) according to the conventional driving (or activation) procedure. Preferably, when the payment application 450 is activated (or activated) through the operating app 420, information and / or parameters specified from the operating app 420 may be shared, 455 may read the transferred information and / or parameters and confirm that they are driven (or activated) through the operating app 420.

When the payment application 450 is activated (or activated), the shared information verification unit 460 confirms various information including the OTID shared and transmitted from the operational application 420. Preferably, the shared information identifying unit 460 reads the parameter transmitted from the operating app 420 to activate (or activate) the payment app 450, and transmits the OTID shared and transmitted from the operating app 420 Disposable code and transaction information, and / or receives the OTID and the disposable code and transaction information from the operating app 420 through the inter-process communication protocol provided by the operating system of the wireless terminal 400.

On the other hand, if the transaction information shared and delivered from the operational application 420 is confirmed, the payment procedure processing unit 470 displays the transaction information through the payment interface specified in the application and performs the terminal-side payment procedure set in the application . The payment request information of the transaction information may be generated through the settlement processing unit 470 through the terminal side settlement procedure.

On the other hand, if the OTID and the disposable code shared and delivered from the operation app 420 are identified, the recognition information transmitting unit 465 constructs recognition information including OTID and disposable code recognized through the wireless signal, And transmits the recognition information to the server 100. The authentication server 100 receives the recognition information and relays it to the designated operation server 200. The operation server 200 receives the recognition information from the authentication server 100, performs a specified authentication procedure using the OTID included in the recognition information and the disposable code, And provides the authentication result information to the server 100. The authentication server 100 receives the authentication result information from the operation server 200. [

According to the first payment procedure embodiment of the present invention, the authentication server 100 receives (or receives) the transaction information (or payment request information) from the payment procedure processing unit 470 of the payment application 450, Receives the authentication result information from the operation server 200, reads the authentication result information, and transmits the transaction information (or the payment request information) received from the payment procedure processing unit 470 to the designated payment The settlement of the transaction information (or the settlement request information) may be processed through the settlement server 105 by relaying the settlement request to the server 105. [

Alternatively, in the case of the second payment procedure embodiment of the present invention, the authentication server 100 provides authentication result information received from the operation server 200 to the payment application 450, The processing unit 470 receives the authentication result information from the authentication server 100. The settlement processing processor 470 reads out the authentication result information and performs the terminal side settlement procedure for the transaction information at the time of confirming the authentication success (but skips it if the authentication result information is received before the authentication result information is received) 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 470 and then relays the transaction information to the designated payment server 105, (Or settlement request information) can be processed. Meanwhile, the settlement processing processor 470 may directly transmit the transaction information (or the settlement request information) to the settlement server 105 according to an embodiment of the present invention.

Meanwhile, in the third payment procedure embodiment of the present invention, the operation server 200 provides transaction information corresponding to the transaction registration information identified through the OTID together with the authentication result information to the authentication server 100, The authentication server 100 provides authentication result information and transaction information received from the operation server 200 to the payment application 450. The payment processing processor 470 of the payment application 450 receives the authentication result information and the transaction information from the authentication server 100. [ The settlement processing processor 470 reads out the authentication result information and performs the terminal side settlement procedure for the transaction information when confirming the authentication success. The settlement processing processor 470 transmits the transaction information (or the settlement request information) ) To the authentication server (100). The authentication server 100 receives the transaction information (or the payment request information) from the payment transaction processing unit 470 and then relays the transaction information to the designated payment server 105, (Or settlement request information) can be processed. Meanwhile, the settlement processing processor 470 may directly transmit the transaction information (or the settlement request information) to the settlement server 105 according to an embodiment of the present invention.

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

The payment server 105 confirms the payment result information including the settlement result of the settlement procedure (for example, payment approval or payment error) and transmits the confirmed payment result information to the authentication server 100 The authentication server 100 provides the payment result information to the payment application 450 and / or provides the payment result information to the operation server 200. The payment transaction processing unit 470 provides the settlement result information to the payment server 450, May receive the payment result information from the authentication server 100 and output the payment result information.

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

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

5, an affiliate shop terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal stores merchant registration information for the affiliated store to the designated operation server 200, (500), the operation server (200) requests registration of at least one merchant-related information among the merchant information provided from the merchant-side terminal (300) The merchant-related information may be received and stored in a designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 300 of the merchant having the wireless device 360 requests the designated operating server 200 to register a unique code that uniquely identifies the merchant having the wireless device 360 (510) , The operating server 200 may be configured to perform at least one of the first to sixth inherent code checking embodiments 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 checking embodiments of the present invention The unique code is checked (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).

Meanwhile, when the merchant having the wireless device 360 generates the one-time code during the reverse payment using the wireless device 360, the merchant-side terminal 300 transmits seed information for generation / authentication of the one- (Step 525), and the operating server 200 confirms seed information for confirming / determining the seed value necessary for authenticating the one-time code to be generated during the reverse-based settlement based on the wireless device 360 (step 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).

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

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

In more detail, FIG. 6 shows a case where a merchant terminal 300 operated by a merchant with a wireless device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the OTID generated by concealing the unique code through the wireless device 360 and requests registration to the operation server 200, the operation server 200 transmits the transaction registration information OTID, and then transmits the radio signal including the OTID to the franchisee-side radio device 360 in the reverse direction. The present invention is not limited to the above- 6, it is possible to refer to and / or modify the FIG. 6 so as to perform various methods for the transaction registration or the reverse OTID transmission process (for example, some steps are omitted, Would be able to infer how City), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (600), and transmits the transaction registration information including the amount information to the operation server 200 (605). According to an embodiment of the present invention, the transaction registration information may further include at least one of product information, date information, merchant-related information, and unique code in addition to the amount information.

The operation server 200 receives transaction registration information including the amount information from the merchant terminal 300 and stores the transaction registration information in operation 610. Meanwhile, the franchise-side terminal 300 confirms the OTID generated through the wireless device 360 of the franchisee (615). The merchant-point-side wireless device 360 includes a corresponding wireless device 360 and checks a unique code that uniquely identifies the merchant registering the transaction registration information (620). On the other hand, in an embodiment in which a unique code is not assigned to a franchisee having the wireless device 360, the franchise point wireless device 360 can generate an OTID through the embodiment of Fig.

If the unique code that identifies the merchant that has the wireless device 360 and registers the transaction registration information is identified, the merchant wireless device 360 reads only the identified unique code through the specified specific device / server (625) an OTID that uniquely identifies a merchant having the wireless device (360) and uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time. Preferably, the merchant-side wireless device 360 uniquely identifies the merchant having the wireless device 360 through at least one of the first through sixth OTID generation embodiments of the present invention, An OTID can be generated that uniquely identifies a specific transaction corresponding to the registration information for at least a certain period of time (625).

If the OTID is generated, the franchise point wireless device 360 provides the OTID to the franchise point terminal 300 (630). The franchise point terminal 300 confirms the OTID generated through the franchise point wireless device 360 and requests registration to the operation server 200 at operation 635. The operation server 200 transmits the registration request to the franchise point terminal The OTID is received from the merchant terminal 300 in step 640, and the transaction registration information and the OTID are associated with each other and stored in a designated storage medium 645. In step 645, And transmits the registration result information including the result (650).

The merchant terminal 300 receives the registration result information from the operation server 200 (655), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, identifies it through the OTID (660) a one-time use code of a specified code system for authenticating a subject (for example, transaction registration information registered at a merchant having a wireless device (360) and / or a merchant having the wireless device (360)). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-off code is generated, the merchant terminal 300 transmits the OTID, the disposable code, and the transaction registered in the operation server 200 through the merchant-point-side wireless device 360 associated with the merchant- The merchant-side wireless device 360 confirms (670) the OTID, the disposable code, and the transaction information to be transmitted through the designated wireless signal, and transmits the wireless signal including the transaction information corresponding to the registration information to the merchant- (675) the sending information including the OTID, the disposable code and the transaction information in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) The wireless signal transmitted from the wireless device 360 is received by the user wireless terminal 400 in a short distance.

7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.

In more detail, FIG. 7 shows a case where a merchant terminal 300 operated by an affiliated store having a wireless device 360 requests transaction registration information including amount information inputted for reverse payment to the operation server 200 When the merchant terminal 300 confirms the OTID generated through the wireless device 360 and requests registration to the operation server 200, the operation server 200 registers the transaction registration information and OTID in association with each other, And transmits the radio signal including the OTID to the franchisee-side radio device 360 in the reverse direction. As a person skilled in the art will appreciate, (For example, omitting some steps or changing the order) for the transaction registration or the reverse OTID delivery process Would be, the invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

Referring to FIG. 7, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (700), and transmits the transaction registration information including the amount information to the operation server 200 (705). According to an embodiment of the present invention, the transaction registration information may further include at least one of merchandise information, date information, and merchant information.

The operation server 200 receives transaction registration information including the money amount information from the merchant terminal 300 and stores the transaction registration information in operation 710. Meanwhile, the merchant terminal 300 confirms the OTID generated through the wireless device 360 of the merchant (715). The merchant's wireless device 360 has the wireless device 360 and uniquely identifies the merchant registering the transaction registration information and uniquely identifies the specific transaction corresponding to the transaction registration information for at least a certain period of time OTID is generated (720). Preferably, the merchant-side wireless device 360 separately identifies a merchant having the wireless device 360 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time, (720) an OTID that uniquely identifies a particular transaction corresponding to a particular transaction for at least a certain period of time.

If the OTID is generated, the franchise point wireless device 360 provides the OTID to the franchise point terminal 300 (725). The franchise point terminal 300 confirms the OTID generated through the franchise point wireless device 360 and requests registration to the operation server 200 in operation 730. The operation server 200 transmits the registration request to the franchise point terminal (735), stores the transaction information and the OTID in a designated storage medium (740), and transmits the transaction registration information and the OTID to the merchant terminal (300) And transmits registration result information including the result (745).

The franchisee-side terminal 300 receives the registration result information from the operation server 200 (750), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, and identifies (755) a one-time code of a specified code system for authenticating a transaction (for example, transaction registration information registered at a merchant having an object (for example, a merchant having the wireless device 360 and / or a wireless device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-off code is generated, the merchant terminal 300 transmits the OTID, the disposable code, and the transaction registered in the operation server 200 through the merchant-point-side wireless device 360 associated with the merchant- (760), the merchant-side wireless device (360) confirms (765) the OTID and the disposable code and transaction information to be transmitted through the designated wireless signal, (770) the sending information including the OTID, the disposable code and the transaction information in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) The wireless signal transmitted from the wireless device 360 is received by the user wireless terminal 400 at a short distance.

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

8 illustrates an operation app 420 that receives and reads a radio signal transmitted from a merchant-side radio device 360 through the process of FIG. 6 or FIG. 7 to recognize various information including OTID, And FIG. 8 is a flow chart illustrating an exemplary process of interworking between designated payment apps 450 to perform a payment transaction of a specific transaction. (E.g., omitting some steps or changing the order) for the interoperation process between the operating application 420 and the payment application 450, And all of the above-mentioned embodiments can be deduced. The technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, when a wireless signal of a specified radio signal standard is transmitted from the merchant wireless device 360 through the process shown in FIG. 6 or FIG. 7, the operating application 420 of the user wireless terminal 400 (800) whether a radio signal of a specified radio signal standard transmitted through the franchise point wireless device (360) is received through the short range wireless unit (410) of the user wireless terminal (400). If it is confirmed that the wireless signal of the designated wireless signal standard transmitted through the merchant wireless device 360 has been received, the operating app 420 of the user wireless terminal 400 reads the received wireless signal and transmits the OTID (805). Preferably, the operating app 420 of the user wireless terminal 400 is connected to the merchant's wireless device 360 via at least one of the first through fourth operational app embodiments of the present invention The wireless signal may be received and read to recognize the OTID and the disposable code and transaction information (805).

If the OTID and the disposable code and transaction information are recognized through the wireless signal received from the merchant wireless device 360, the operating app 420 of the user wireless terminal 400 transmits the transaction information And confirms whether settlement processing for the transaction information is determined (810). If the settlement process for the transaction information is determined, the operation application 420 checks whether the payment application 450 designated to process the transaction information is installed in the user wireless terminal 400 (step 815) . If the payment application 450 is not installed in the user wireless terminal 400, the operating application 420 performs a procedure to guide the user wireless terminal 400 to install the payment application 450 (Or activates) the payment application 450 installed in the user wireless terminal 400 when the payment application 450 is installed in the user wireless terminal 400, (Or activates) the wireless signal received from the merchant wireless device 360 to the payment application 450, and transmits and shares the recognized OTID and the disposable code and transaction information (825).

If it is confirmed that the payment application 450 installed in the user wireless terminal 400 is activated (or activated) (830), the payment application 450 reads its status and operates through the operating application 420 (Or activated) (835). If the payment application 450 is not activated (or activated) (for example, driven (or activated) according to the conventional method) through the operational application 420, Processing procedure may be performed (840). Meanwhile, when the payment app 450 is activated (or activated) through the operating app 420, the payment app 450 checks OTID, disposable code and transaction information shared and delivered from the operating app 420 (845).

FIG. 9 is a diagram illustrating a process of performing a reverse payment procedure according to the first embodiment of the present invention.

In more detail, FIG. 9 shows a case where a payment application 450 activated (or activated) through the process shown in FIG. 8 performs a predetermined terminal-side payment procedure on transaction information shared and delivered from the operating application 420 (Or payment request information) corresponding to the terminal side settlement procedure to the designated authentication server 100, the authentication server 100 transmits the authentication information including the OTID and the one- (Or settlement request information) to the designated settlement server 105 when the authentication is successful, after the settlement server 100 causes the operation server 200 to perform the authentication procedure corresponding to the recognition information through the designated operation server 200, It will be understood by those skilled in the art that reference to and / or modification of Figure 9 may be used to provide a variety of payment procedures It is to be understood that the present invention is not limited to the embodiment (s), but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.

Referring to FIG. 9, the payment application 450, which is driven (or activated) through the process shown in FIG. 8 and receives the OTID and the disposable code and transaction information from the payment application 450, (900), configures the identification information including the OTID shared with the operating app 420 and the disposable code, and transmits the OTID to the designated authentication server 100 (Or settlement request information) corresponding to the identification information and the terminal-side settlement procedure (905).

The authentication server 100 receives the identification information and transaction information (or payment request information) from the payment application 450 of the user wireless terminal 400 in operation 910 and transmits the identification information (915).

The operation server 200 receives the identification information including the OTID and the disposable code from the authentication server 100 in operation 920 and reads the OTID of the recognition information from the authentication server 100 (925), and transmits the inherent code stored in the OTID to the wireless terminal 400 (or the payment terminal) using the information registered through the procedure of FIG. 5 and the read unique code (450)), that is, a franchisee having the wireless device (360), is authenticated (930). If the temporary unique code is included in the OTID, the wireless terminal 360 reads the read temporary unique code through a temporary unique code included (or concealed) in the OTID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

On the other hand, if the merchant having the wireless device 360 is not authenticated through the OTID included in the identification information, the operation server 200 notifies the authentication server 100 of the OTID included in the recognition information The authentication server 100 provides an authentication error 935 and the authentication server 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 and transmits the authentication error to the payment application of the user wireless terminal 400 (450) receives and outputs the authentication error (945).

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 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 registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (950).

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 (935) The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 940. The payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in step 945, .

Meanwhile, if the merchant having the wireless device 360 is authenticated and authenticated through the OTID of the identification 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 OTID (955) a transaction registration information that is uniquely identified for at least a predetermined period of time. If the transaction registration information identified through the OTID is not confirmed, the operation server 200 can wait for the transaction registration information to be identified for a certain period of time to be registered through the OTID at the merchant that is uniquely identified through the OTID (960).

The operation server 200 transmits the authentication procedure performed using the recognition information to the authentication server 100 that has transmitted the authentication information and transmits the authentication result information to the authentication server 100, The authentication result information is received (970) from the operation server 200, and the authentication result information is read to check whether the authentication procedure using the recognition information succeeds (975). When the authentication success of the authentication procedure using the recognition information is confirmed, the authentication server 100 transmits transaction information (or payment request information) received from the payment application 450 of the user wireless terminal 400, based on the authentication result information, To the designated payment server 105 to request payment processing (980).

FIG. 10 is a diagram illustrating a process of performing an inverse payment procedure according to a second embodiment of the present invention.

In more detail, FIG. 10 is a flowchart illustrating an example of a case where a payment application 450 activated (or activated) through the process shown in FIG. 8 receives recognition information including an OTID shared with the operating app 420 and a one- The authentication server 100 causes the authentication server 100 to perform the authentication procedure corresponding to the recognition information through the designated operation server 200 and then receives the authentication result information and transmits the authentication result information to the payment application 450, The payment application 450 reads the authentication result information and performs terminal side payment processing for the transaction information shared and received from the operating application 420 when the authentication success is confirmed to confirm that the transaction information And transmits the transaction information (or the payment request information) to the designated payment server 105 in the authentication server 100. [ Those skilled in the art will appreciate that various modifications and variations of the present invention may be made without departing from the spirit and scope of the present invention as defined by the following claims. However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 10, the payment application 450, which is driven (or activated) through the process shown in FIG. 8 and receives the OTID and the disposable code and transaction information from the payment application 450, And transmits recognition information including the OTID and the disposable code shared and transmitted from the operational application 420 to the specified authentication server 100 (1000).

The authentication server 100 receives the identification information from the payment application 450 of the user wireless terminal 400 and transmits the identification information to the designated operation server 200 in step 1010.

The operation server 200 receives (1015) recognition information including the OTID and the disposable code from the authentication server 100 (1015), reads the OTID of the recognition information (for example, reads the OTID of the recognition information including the OTID (1020), and transmits the unique code stored in the OTID (1020) to the wireless terminal (400) using the information registered through the process of FIG. 5 and the read unique code (450)), that is, a franchisee having the wireless device (360), is authenticated (1025). If the temporary unique code is included in the OTID, the wireless terminal 360 reads the read temporary unique code through a temporary unique code included (or concealed) in the OTID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

On the other hand, if the merchant having the wireless device 360 is not authenticated through the OTID included in the identification information, the operation server 200 notifies the authentication server 100 of the OTID included in the recognition information The authentication server 100 provides an authentication error 1030 and the authentication server 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 and transmits the authentication error to the payment application of the user wireless terminal 400 (450) receives the authentication error and outputs it (1040).

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 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 registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (1045).

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 1030, The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1035 and receives the authentication error in step 1040, .

Meanwhile, if the merchant having the wireless device 360 is authenticated and authenticated through the OTID of the identification 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 OTID (1050) a transaction registration information that is uniquely identified for at least a predetermined period of time. If the transaction registration information identified through the OTID is not confirmed, the operation server 200 can wait for the transaction registration information to be identified for a certain period of time to be registered through the OTID at the merchant that is uniquely identified through the OTID (1055).

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 in operation 1060, The payment application 450 receives the authentication result information from the operation server 200 and transmits the authentication result information to the payment application 450 in operation 1065. The payment application 450 receives the authentication result information from the authentication server 100 in operation 1070.

The payment app 450 reads the authentication result information and determines whether the authentication process using the recognition information is successful (1075). When the authentication success of the authentication procedure using the recognition information is confirmed, the payment application 450 performs a predetermined terminal-side payment procedure on 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 (1080), and the authentication server 100 transmits the transaction information (or the payment request information) received from the payment application 450 of the user wireless terminal 400 (Or payment request information) to the designated payment server 105 to request payment processing (1085).

FIG. 11 is a diagram illustrating a process of performing an inverse payment procedure according to a third embodiment of the present invention.

In more detail, FIG. 11 is a flowchart illustrating an example of an operation of a payment application 450 that is activated (or activated) through the process shown in FIG. 8 by receiving recognition information including OTIDs and one- The authentication server 100 causes the authentication server 100 to perform the authentication procedure corresponding to the recognition information through the designated operation server 200 and then receives the authentication result information and the transaction information, And transmits the transaction information (or the payment request information) to the authentication server 100 by performing the terminal side settlement procedure for the transaction information when the payment application 450 reads the authentication result information and confirms the authentication success (Or payment request information) to the designated payment server 105 in the authentication server 100, thereby causing the payment transaction to be performed. In this case, Those skilled in the art will be able to refer to and / or modify Figure 11 to infer various implementations of the settlement procedure process (e.g., omitting some of the steps or changing the order) The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 11, the payment application 450, which is driven (or activated) through the process shown in FIG. 8 and shared and received OTID and disposable code from the payment application 450, And transmits the generated OTID and disposable code to the designated authentication server 100 (1100).

The authentication server 100 receives the recognition information from the payment application 450 of the user wireless terminal 400 in step 1105 and relays the recognition information to the designated operation server 200 in step 1110.

The operation server 200 receives (1115) recognition information including the OTID and the disposable code from the authentication server 100 (1115), reads the OTID of the recognition information (for example, reads the OTID of the recognition information including the OTID And then reads the inherent code hidden in the OTID 1120 and then transmits the inherent code stored in the OTID to the wireless terminal 400 The application 450 authenticates (1125) the franchisee visited by the user, i.e., the franchisee having the wireless device 360. If the temporary unique code is included in the OTID, the wireless terminal 360 reads the read temporary unique code through a temporary unique code included (or concealed) in the OTID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

On the other hand, if the merchant having the wireless device 360 is not authenticated through the OTID included in the identification information, the operation server 200 notifies the authentication server 100 of the OTID included in the recognition information The authentication server 100 provides an authentication error 1130 and the authentication server 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 and transmits the authentication error to the payment application 300 of the user wireless terminal 400 (450) receives and outputs the authentication error (1140).

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 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 registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (1145).

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 1130, The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1135 and receives the authentication error in step 1140, .

Meanwhile, if the merchant having the wireless device 360 is authenticated and authenticated through the OTID of the identification 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 OTID (1150) a transaction registration information which is uniquely identified for at least a predetermined period of time. If the transaction registration information identified through the OTID is not confirmed, the operation server 200 can wait for the transaction registration information to be identified for a certain period of time to be registered through the OTID at the merchant that is uniquely identified through the OTID (1155).

The operation server 200 forms the authentication result information using the authentication information, identifies transaction information corresponding to the transaction registration information identified during the authentication process, and transmits the authentication information The authentication server 100 receives the authentication result information and the transaction information from the operation server 200 and transmits the authentication result information and the transaction information to the payment application 450 in step 1165, (450) receives the authentication result information and transaction information from the authentication server (100) (1170).

The payment application 450 reads the authentication result information and determines whether the authentication process using the recognition information is successful (1175). When the authentication success of the authentication procedure using the recognition information is confirmed, the payment application 450 displays the transaction information on the payment interface designated based on the authentication result information to perform a predetermined terminal-side payment procedure (1180) , The authentication server 100 transmits transaction information (or payment request information) corresponding to the terminal-side payment procedure to the authentication server 100 (1185), and the authentication server 100 transmits the transaction information (Or payment request information) received from the payment server 105 to the designated payment server 105 to request payment processing (1190).

FIG. 12 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.

FIG. 12 is a flowchart illustrating a process of transmitting payment information (or payment request information) to a payment server 105 when the transaction information (or payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIGS. (Or payment request information) in the payment server 105 and confirms the payment result information to the authentication server 100 and provides the payment information 450 to the authentication server 100 And transmits the settlement result information to the server 200. It will be understood by those skilled in the art that the present invention can be implemented by referring to and / It will be appreciated that various implementations of the process may be deduced (e.g., some of the steps may be omitted or the sequence may be altered), but the present invention includes all such contemplated embodiments, Only an exemplary method illustrated in figure 12 is not limited its technical characteristics.

Referring to FIG. 12, when the transaction information (or the payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIGS. 9 to 11, (Or settlement request information) to be subjected to settlement processing via the designated path (1200). The settlement server 105 performs a predetermined server-side settlement procedure for the transaction information (or the settlement request information) (1205), and the settlement server 105 performs settlement for the settlement procedure performed for the transaction information The result information is confirmed (1210).

If the settlement result information is confirmed, the settlement server 105 provides the settlement result information to the authentication server 100 in step 1215. The settlement server 105 provides the settlement result information to the settlement server 105, The result information is received (1220), the payment result information is provided to the payment application 450 of the user wireless terminal 400 (1225), and the payment application 450 receives and outputs the payment result information 1230).

Meanwhile, the authentication server 100 provides the payment result information to the designated operation server 200 in operation 1235. The operation server 200 receives the payment result information from the authentication server 100 in operation 1240, The payment result information is provided to the designated merchant terminal 300, and the merchant terminal 300 receives and outputs the payment result information in operation 1250.

FIG. 13 is a diagram illustrating a process of managing a transaction book using a block chain according to an embodiment of the present invention.

More specifically, FIG. 13 is a flowchart illustrating a method of generating a transaction history including a settlement result of the settlement result information in a specified structure that can be block-chained by the block chain algorithm, And a process of performing a block chaining process of the generated transaction ledger details through the transaction unit 110 by referring to FIG. 13 and / or modified according to an ordinary skill in the art. (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. 13, a block-chain network (hereinafter, referred to as &quot; block chain &quot;) for block-chaining transactions details of a specified structure via N (N? 2) node devices 115 operating according to a block- 110, or when the payment result information is confirmed through the process shown in FIG. 12, the operation server 200 transmits the payment information to the designated history structure that can be block-chained by the block- A procedure for generating a transaction history including the settlement result of the settlement result information is performed (1300).

According to an embodiment of the present invention, the operation server 200 may include a M &lt; RTI ID = 0.0 &gt; (M2) &lt; / RTI & (1? M? M) pieces of information corresponding to the structure (1300).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (1300).

According to the embodiment of the third transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i pieces of non-disclosure object information are identified, the operation server 200 generates hash information having the one-way hash of the identified j pieces of non-disclosure information through the hash algorithm, and outputs (mj) (1300) of the transaction history including the openable information and the generated hash information.

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i pieces of secret object information are confirmed, the operation server generates cryptographic information in which the identified j pieces of private information are encrypted by using a cryptographic method in which the operation server encrypts only the decrypted contents using a specified decryption key, The transaction history record including the (mj) pieces of publicly available information and the generated password information may be generated (1300).

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) (1300) a transaction history record including the specified m (1? M? M) pieces of information corresponding to the specified history structure that can be block chained by the block chain algorithm of the block chain network.

According to an embodiment of the sixth transaction history of the present invention, the operation server 200 confirms a payment approval result included in the payment result information, and selects one of M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (1300).

According to an embodiment of the seventh transaction ledger of the present invention, the operation server 200 confirms the payment approval result included in the payment result information, and extracts M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 &lt; = j &lt; m) non-disclosure object information. When the i pieces of secret object information are confirmed, the operation server 200 generates hash information having one-way hashed hash information of the confirmed j pieces of secret information through the specified hash algorithm, and outputs (mj) (1300) of the transaction history including the openable information and the generated hash information.

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified history structure capable of being block chained by the block chain algorithm of the block chain network 110, 1 < = j &lt; m) non-disclosure object information. When the i pieces of secret information are confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of private information through a cryptosystem for decrypting only the decryption key using the designated decryption key, The transaction history including the (mj) pieces of publicly available information included in the approval result and the generated password information may be generated (1300).

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 (1300), and the present invention can also include such an embodiment as a scope of right.

When the transaction history details of the specified detail structure capable of block chaining are generated through the block chain algorithm of the designated block chain network 110, the operation server 200 transmits the generated transaction history details to the block chain network 110 And performs a block chaining procedure (1305).

The node device 115 on the block-chain network 110 collects 1310 a specified number of transaction history details broadcasted to the block-chain network 110 according to a specified block-chain algorithm. If the specified number of transaction history details are collected, the node device 115 on the block-chain network 110 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 115 (1315) a procedure for performing a consent-requesting procedure and / or verifying a new block requested to be collated from another node device 115 and chaining it to a valid block. If the generated or agreed effective block including the broadcasted transaction history is chained, the node device 115 on the block-chain network 110 transmits a transaction ledger block including (or loading) the chained effective block (1320), and stores the configured transaction history block in each node device (115) in a distributed manner (1325).

Meanwhile, the operation server 200 determines whether the number of transaction details broadcasted to the block-chain network 110 is less than a predetermined reference number during a predetermined reference time (1330). If the number of transaction history details broadcasted to the block-chain network 110 is less than a specified reference number during the specified reference time, the operation server 200 transmits a transaction broadcast to the block- A dummy transaction history record of the designated number may be generated and maintained in the block chain network 110 in order to maintain the number of book details to be equal to or greater than the designated reference number (1335). On the other hand, when a transaction history history of a specified reference number or more is broadcasted to the block chain network 110 for a specified reference time, the node device 115 on the block chain network 110 notifies the block chain network 110 of the designated number (1310), generates a new block including the collected details of the transaction history, performs a procedure of requesting agreement with a valid block through another node device (115), and / A procedure for verifying the new block requested by the node device 115 and chaining it to a valid block is performed in step 1315 and a transaction part block including the chained effective block is constructed 1320, And distribute it to the node device 115 (1325).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 110 and broadcasts the transaction history to the block-chain network 110 in association with the block-chain process of the block-chain network 110 within a predetermined time The transaction history is managed to be effectively block-chained (1340).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, It is possible to check whether a new block including the broadcast transaction details is generated through at least one node device 115 among the N node devices 115 included in the block chain network 110 (1040). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 200 may interwork with one or more node devices 115 provided in the block-chain network 110, (Step 1340) to intervene in a block chain algorithm executed through the device 115 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A new block including the broadcast transaction history is generated through at least one node device 115 among the N node devices 115 provided in the block chain network 110 in a predetermined time, It may be confirmed 1340 that a procedure for negotiating with one or more other node devices 115 provided in the chain network 110 is performed. If a new block including the broadcast transaction details is generated within a predetermined period of time and a consensus procedure is not performed, the operation server 200 may send a request to the one or more node devices 115 ) Or intervenes in a block chain algorithm executed through the node device 115 and processes 1340 to process a new block including the broadcast transaction details including the details of the new transaction.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 115 provided in the block-chain network 110 after the transaction history is broadcasted to the block-chain network 110, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details in a predetermined period of time is transmitted to N node devices 115 included in the block- (1340). &Lt; / RTI &gt; If a transaction ledger block including (or loading) the valid block including the broadcasted transaction ledger details within a predetermined time is distributed to the N node devices 115 included in the block-chain network 110 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 115 provided in the block-chain network 110, (Or loaded) valid block including the generated or agreed effective block including the details of the transaction history can be distributedly stored in the N node devices 115 provided in the block-chain network 110 (1340).

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

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

100: Authentication server 105: Payment server
110: block chain network 115: node device
200: Operation server 205: Information storage unit
210: transaction registration receiving unit 215: OTID receiving unit
220: Transaction registration manager 225: Registration result provider
230: recognition information receiving unit 235: identification /
240: Transaction registration confirmation unit 245:
250: payment result processing unit 270: transaction ledger history generating unit
275: Block Chaining Process Unit 280: Block Chain Management Unit
285: block chain operating unit 300: merchant terminal
310: Interface Unit 315: Merchant Payment Unit
320: App for merchants 325: Information registration
330: transaction registration unit 335: OTID confirmation unit
340: OTID registration unit 345: code generation unit
350: Signal transmission processing section 355: Result processing section
360: Member's wireless device 370: OTID generating unit
375: OTID provider 380: Information verification department
385: Information configuration unit 390: Signal transmission unit
400: user wireless terminal 410: short range wireless unit
420: Operating App 425: Signal Verification Unit
430: signal recognition unit 435: transaction information display unit
440: Transaction processor 450: Payment application
455: status checking unit 460: shared information checking unit
465: recognition information transmitting unit 470: settlement processing processor

Claims (14)

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

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