KR20190083272A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Sound Signal Device and Blockchain - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a sound wave device and a block chain, capable of solving various technical and/or security defects, which comprises: a first step of implementing a block chain network or interworking with a pre-implemented block chain network by an operating server; a second step of receiving transaction registration information by the operating server; a third step of generating uniquely generated identification (UGID) by the operating server; a fourth step of associating and storing the transaction registration information, the UGID, and an authentication code by the operating server; a fifth step of providing an affiliated store terminal with the UGID and the authentication code; a sixth step of receiving recognition information by the operating server; a seventh step of performing an authentication procedure by the operating server; an eighth step of providing authentication result information by the operating server; a ninth step of generating a ledger history by the operating server; and a tenth step of processing a block-chaining procedure of the generated ledger history to be performed.

Description

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

The present invention is characterized in that when a transaction registration information including amount information for reverse settlement is registered from a merchant terminal having a sound wave device for transmitting a specified sound signal, the franchisee having the sound wave device is uniquely identified separately, Generates a UGID (Uniquely Generated IDentification) that uniquely identifies a specific transaction corresponding to the transaction, generates a disposable authentication code for authenticating the validity of the transaction registration information, provides the authentication code to the affiliated transaction terminal, The sound wave signal from the operation app is read and recognized from the authentication server associated with the payment application driven in the user wireless terminal through the operating app of the user wireless terminal that has received the sound wave transmitted from the sound wave device at the merchant point Receiving the identification information including the UGID and the authentication code transmitted to the payment application, And when a specific transaction corresponding to one transaction registration information is identified and authenticated, the authentication server provides the authentication result using the UGID to the authentication server so as to allow the authentication server to identify the merchant that has been identified through the UGID The settlement process of the specific transaction is relayed to the designated settlement server and processed, and then the settlement result of the settlement result information processing the settlement procedure of the specific transaction is block-chained and stored and managed.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to overcome the above problems is to provide a merchant terminal having a sound wave device for transmitting a sound wave signal and registering transaction registration information including amount information for reverse payment from a merchant terminal, (Uniformly Generated IDentification) that uniquely identifies a specific transaction corresponding to the transaction registration information, generates a disposable authentication code for authenticating the validity of the transaction registration information, And transmits the transaction registration information to the operation terminal of the user wireless terminal through the operation application of the user wireless terminal that has received the sound wave transmitted from the sound wave device at the merchant terminal, After the application reads and recognizes the sound wave signal, the UGID transmitted to the payment application and the authentication Code to identify the merchant having the sound wave device, and when the specific transaction corresponding to the transaction registration information is identified and authenticated, the authentication server provides the authentication result using the UGID to the authentication server The authentication server relays the settlement procedure of the specific transaction identified by the UGID to the designated settlement server and processes the settlement result to block and store the settlement result of the settlement result information processing the settlement procedure of the specific transaction And to provide an asynchronous reverse payment method based on an app linkage using a sound wave device and a block chain.

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

An asynchronous reverse payment method based on an application linkage using a sound wave device and a block chain according to the present invention is a method for communicating with a merchant terminal operated by an affiliated store having a sound wave device for transmitting a specified sound wave signal and communicating with a visiting user wireless terminal 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 A second step of receiving transaction registration information including amount information from a merchant terminal operated by an affiliated store having the sound wave device, Characterized by separately identifying a franchisee having the sound wave device A third step of generating a UGID (Uniquely Generated IDentification) uniquely identifying a specific transaction corresponding to the registration information and generating a disposable authentication code for authenticating the validity of a specific transaction identified through the UGID; A fourth step of associating the transaction registration information with the UGID and the authentication code, a fifth step of the operation server providing the UGID and the authentication code to the merchant terminal, The user terminal reads and recognizes the sound wave signal from the authentication server connected to the payment application driven in the user wireless terminal through the designated operating application of the user wireless terminal receiving the sound wave transmitted through the sound wave device at a short distance A sixth step of receiving recognition information including a UGID and an authentication code transmitted to the payment application; Reading the UGID corresponding to the identification information to uniquely identify the merchant having the sound wave device and identifying any transaction registration information uniquely identified through the UGID among the transaction registration information registered in the identification authenticated merchant, A step of performing an authentication procedure for authenticating the validity of the transaction registration information identified by the authentication code, and a step for providing the authentication result information of the authentication procedure using the UGID and the authentication code to the authentication server, A step 9 of confirming the settlement result information in which the settlement processing has been performed by the operation server, and generating a transaction history including the settlement result of the settlement result information in a designated structure that can be block-chained by the block chain algorithm; And performs block chaining of the generated transaction ledger details through the block chain network Includes a step 10 to lock process, the authentication result information is characterized in that which is used to execute a payment process for a particular transaction identified by the UGID.

In an asynchronous reverse payment method based on an application interlocking system using a sound wave device and a block chain according to the present invention, the block chain network includes a self-block chain network implemented by N node devices built by an operating company operating the operating server, , A virtual block chain network implemented by emulating N node devices through at least one server 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 sound wave device and a block chain according to the present invention, the block chain network includes a block chain network implemented for cryptographic currency transactions, a block chain Network, 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 sound wave device and a block chain according to the present invention, the block chain network may include a public block chain network, or may include a private block chain network, 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 system using a sound wave device and a block chain 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 system using a sound wave device and a block chain 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 the first step, N (N? 2) node devices operating in accordance with a specified block chain algorithm participate in the application-based asynchronous reverse payment method using a sound wave device and a block chain according to the present invention, (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 interlocking method using a sound wave device and a block chain according to the present invention, the ninth 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 sound wave device and a block chain according to the present invention, the ninth step may include: 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 sound wave device and a block chain according to the present invention, the ninth step may include: 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 sound wave device and a block chain according to the present invention, the ninth step may include: m (M? 2) pieces of information included in the payment result information (1 < = m &lt; M) pieces of information among the m pieces of identified pieces of information and confirming j (1? J &lt; m) pieces of private information to be decrypted Generating secret information encrypted with j pieces of secret information to be verified and generating transaction history records including (mj) pieces of publicly available information included in the payment result information and the generated password information Wherein the decryption key includes at least one of a key value provided in a designated security area of the operation server and a private key of a server side certificate of the operation server It is gong.

In an asynchronous reverse payment method based on an application interlocking system using a sound wave device and a block chain according to the present invention, the tenth step may include: broadcasting the generated transaction ledger to the block chain network to process a block chaining process And a control unit.

In an asynchronous reverse payment method based on an application interlocking method using a sound wave device and a block chain according to the present invention, the tenth step is a step of checking whether the number of transaction history 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 sound wave device and a block chain according to the present invention, the tenth step may include transmitting the transaction history details within a predetermined time after broadcasting the transaction ledger details to a 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, it is possible to uniquely identify the merchant having the sound wave device while registering the transaction registration information in the operating server designated by the merchant having the sound wave device for transmitting the sound wave signal, The UGID included in the sound wave signal is recognized by the user wireless terminal that receives the sound wave signal transmitted through the sound wave device of the merchant after linking the generated UGID and the transaction registration information to uniquely identify the transaction, When a request is made, identifies and authenticates a merchant having a sound wave device through the recognized UGID, and automatically identifies and authenticates a specific transaction corresponding to any transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant So that reverse payment processing is performed through the user wireless terminal.

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a merchant terminal and a sound wave 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 transaction registration process or a reverse UGID delivery process according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery 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.

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

In more detail, FIG. 1 shows the sound wave device 360 when registering transaction registration information including money amount information for reverse payment from a merchant point side terminal 300 having a sound wave device 360 for transmitting a specified sound wave signal A uniquely generated IDentification unit that uniquely identifies a merchant, uniquely identifies a specific transaction corresponding to the transaction registration information, generates a disposable authentication code for authenticating the validity of the transaction registration information, Side terminal 300 and then transmits the transaction registration information to the user wireless terminal 400 through the operating application 420 of the user wireless terminal 400 that has received the sound wave transmitted from the sound wave device 360, From the authentication server 100 associated with the payment application 450 driven in the payment application 400, the sound signal is read and recognized by the operating application 420, The authentication server 100 receives identification information including a UGID and an authentication code to identify and authenticate a franchisee having the sound wave device 360, and when a specific transaction corresponding to a transaction registration information is identified and authenticated, The authentication server 100 provides the authentication result using the UGID to relay the payment procedure of the specific transaction identified through the UGID to the designated payment server 105, Those skilled in the art will appreciate that various implementations of the reverse payment system using the merchant-side sound wave device 360 (see, for example, Or subdivided, or combined), it is to be understood that the invention includes all such contemplated embodiments, The technical features thereof are not limited only by the method shown in FIG.

The system of the present invention is characterized in that a franchisee having an affiliate shop terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal and a sound wave device 360 transmitting a specified sound wave signal is distinguished (Or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the generated UGID in order to uniquely identify a specific transaction of the franchisee, An operating app 420 for recognizing various information including UGID included in the sound wave signal transmitted through the merchant's sound wave device 360 and a payment application 450 for performing a payment procedure for the specific transaction identified through the UGID, And an authentication server 450 communicable with the merchant terminal 300 operating at each merchant store and associated with the 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 interlocked with the operation server 200 and an operation server 200 interlocked with the operation server 200, 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 that blocks the transaction history details of a specified structure via N (N? 2) node devices 120 operating according to a specified block chain algorithm A function of implementing the network 115 or interworking with the implemented block chain network 115, a function of confirming the settlement result information that has processed the settlement, and a function of displaying the transaction history including the settlement result of the settlement result information And block-chain-manage the blocks through the block-chain network 115. FIG. Meanwhile, according to another embodiment of the present invention, the block chain related function may be provided through a server other than the operation server 200 or a separate server, and the present invention covers the embodiments of the present invention. However, for convenience, the present invention will be described with respect to performing the above-described block chain related functions through the operation server 200.

The merchant terminal 300 is a collective term of a terminal operated by an affiliated store including a sound wave device 360 for transmitting a sound wave signal. For example, 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 store for the reverse payment based on the affiliate shop-side acoustic wave device 360 according to the present invention, (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 merchant- ) 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 320.

And an affiliate shop-side sound wave device 360 for transmitting an acoustic wave signal assigned to an affiliate shop operating the affiliate shop-side terminal 300, and an affiliate shop application 320 specified in the affiliate shop-side 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-side sound wave 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 (for example, a unique code that uniquely identifies a franchisee having a sound wave device 360 that transmits a specified sound wave signal, and / A unique code that uniquely identifies the merchant terminal 300 that is operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the sound wave device 360 that transmits the designated sound signal, ), 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, which is determined so as not to be duplicated to uniquely identify the merchant having the sound wave device 360 separately. (For example, merchant information such as a franchise number for payment in the forward direction) may be assigned to the merchant. Conventionally, the information allocated to the merchant has been transmitted to the merchant through the sound wave device 360, The unique code is provided with the sound wave device 360 at the merchant point to separately identify the merchant having the sound wave device 360 separately And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 300 of the merchant having the sound wave 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 to the merchant terminal is information provided to identify only the merchant terminal regardless of whether the corresponding merchant terminal is provided with the sound wave device 360. On the other hand, The unique code includes the sound wave 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-side terminal 300 provided at the affiliated store including the sound wave 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 sound wave device 360 provided at the merchant. In order to uniquely identify the sound wave device 360, the sound wave device 360 provided at the merchant may be given a unique code value that is not duplicated. In this case, the code value assigned to the sound wave device 360 may be referred to as a sound wave device 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 evident that the inherent code of the present invention belongs to the scope of the present invention regardless of any code that is not redundantly assigned to uniquely identify the sound wave device 360.

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

According to the first inherent code checking embodiment of the present invention, the inherent code is displayed on one side of the sound wave device 360 of the merchant point or includes a code value printed on the use manual of the sound wave device 360, In this case, the franchise owner (or employee) of the franchisee who receives (or purchases) the franchise-side sound wave device 360 receives the code value of the sound wave device 360 through the franchise shop- And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-side sound wave device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the sound wave 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 sound wave device 360 in conjunction with the merchant point-side sound wave 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 method of the present invention, the franchise-point-side terminal 300 transmits the unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant terminal 300 (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale device (360) associated with the terminal (300).

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 is provided with the sound wave device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment The procedure for registering the unique code may be omitted in the case of separately dynamically identifying a merchant and dynamically generating a code value type UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, It is clear that the embodiment that does not register the unique code can also be included in the scope of the right.

In the reverse payment based on the sound wave 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. In the meantime, according to an embodiment of the present invention, the unique code is provided to the merchant terminal 300 (or the merchant point side sound wave device 360 associated with the affiliated shop terminal 300) The transaction registration information may further include the unique code, and thus the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the sound wave device 360. On the other hand, the operating server 200 receiving the transaction registration information confirms whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is an affiliated merchant having the sound wave 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 franchisee operating the terminal 300 is a franchisee having the sound wave device 360.

When the merchant registering the transaction registration information is identified as a merchant having the sound wave device 360, the operation server 200 uniquely identifies the merchant having the sound wave device 360 separately, And generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information received from the terminal 300. [

The UGID of the present invention may be generated by an identification means having uniqueness generated uniquely and with an identification that identifies one or more designated objects. Preferably, the UGID of the present invention is created to have uniqueness that is not duplicated, and is at least one of the identifiability that uniquely identifies the merchant having the sound wave device 360 and the discrimination that uniquely identifies the specific transaction corresponding to the specific transaction registration information May be generated to have a single identity, and may preferably be multiple (or multiple) that uniquely identifies a merchant with the sound wave device 360 and uniquely identifies a particular transaction corresponding to the particular transaction registration information Complex) identity. The uniqueity of the UGID of the present invention and the distinctive identification of the merchant separately means that the UGID is created to have a unique value not overlapping with at least a plurality of merchants and the unique UGID of the present invention And having an uniqueness that uniquely identifies a particular transaction means that the UGID is created with a unique value that is not duplicated for at least a plurality of transactions. In the meantime, the UGID of the present invention has a unique (uniqueness) unique identity and a unique (unique) identity that uniquely identifies a specific transaction. This means that the UGID is not duplicated for a plurality of merchants, It means that it is created to have a unique value that is not duplicated even for a plurality of transactions of each merchant.

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

According to the embodiment of the present invention, the operating server 200 can identify a unique code that uniquely identifies a merchant having the sound wave device 360, and can read the unique code only through a predetermined specific device / server And generate a Unique Generated IDentification (UGID) of a designated code system having different code values for each transaction corresponding to the transaction registration information.

According to the first UGID generation embodiment of the present invention, the operation server 200 confirms a unique code that uniquely identifies a merchant having the sound wave device 360 and time information read according to a specified rule, It is possible to generate a UGID concealed with the inherent code by performing a specified encoding procedure using at least one of the inherent code and time information as parameters of an encoding rule for generating a code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the second UGID generation embodiment of the present invention, the operation server 200 confirms a unique code that uniquely identifies a merchant having the sound wave device 360 and random number information generated through a specified algorithm , And generates the UGID hiding the unique code by performing the designated encoding procedure using the unique code and the random number information as at least one of the parameters of the encoding rule for generating the code value of the designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the third UGID generation embodiment of the present invention, the operation server 200 transmits a unique code that uniquely identifies a merchant having the sound wave device 360, time information read according to a specified rule, And generating a code value of the specified code system by using the inherent code, the time information, and the random number information as at least one of parameters of an encoding rule for generating a code value of the designated code system, You can create a UGID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the fourth UGID generation embodiment of the present invention, the operation server 200 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the UGID hiding the unique code, The UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule used to hide the unique code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule and the key value and read the unique code hidden in the UGID.

According to the fifth UGID generation embodiment of the present invention, the operation server 200 exchanges a specified key value with a specific device / server from which a unique code is to be read from a UGID that has hidden the inherent code, The UGID can be generated by encoding a series of information including the unique code according to a designated encoding rule using the read-out date information according to the UGID. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule, key value, and date information, and read the unique code hidden in the UGID.

According to the sixth UGID generation embodiment of the present invention, the operation server 200 may store the unique code by at least partially combining at least two embodiments among the first through fifth UG ID generation embodiments It is possible to generate a UGID, and thus the present invention is not limited thereto.

Meanwhile, according to another UGID generation embodiment of the present invention, the operation server 200 includes (or hides) a temporary unique code determined not to be duplicated for at least a certain period of time without hiding the unique code, And a UGID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

If the UGID is generated through at least one of the UGID generation embodiments, the operation server 200 may store transaction registration information (or at least some transactions including the money amount information) received from the merchant terminal 300 Registration information) and the UGID are linked and stored in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction registration information and the UGID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the UGID.

The operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID.

According to the first authentication code embodiment of the present invention, the operation server 200 can generate a random value type disposable authentication code using a predetermined random number algorithm.

According to the second authentication code embodiment of the present invention, the operation server 200 transmits at least a part of information (for example, money amount information, commodity information, date information, and the like) included in the transaction registration information to a specified encoding algorithm Hash function or the like) to generate a one-time authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the third authentication code embodiment of the present invention, the operation server 200 can acquire at least a part of information (for example, some information of the affiliated store-related information) exchanged / pre-shared with the affiliate shop- (For example, OTP (One Time Password), etc.) by substituting a variable value (e.g., a time value, a random number value, etc.)

According to the fourth authentication code embodiment of the present invention, the operation server 200 substitutes at least a part of information included in the transaction registration information and a variable value dynamically determined into a specified coding algorithm, and corresponds to the transaction registration information It is possible to generate a one-time authentication code in the form of a transaction-related code associated with a specific transaction to be performed.

According to the fifth authentication code embodiment of the present invention, the operation server 200 may include at least a part of information previously exchanged / shared with the merchant-side terminal 300, at least some information included in the transaction registration information, It is possible to substitute a dynamically determined variable value into a specified encoding algorithm to generate a disposable authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the sixth authentication code embodiment of the present invention, the operation server 200 may uniquely identify the UGID through the UGID in a form of at least partially combining at least two of the first to fifth authentication code embodiments It is possible to generate a disposable authentication code for authenticating the validity of the transaction registration information (or a specific transaction) to be identified. Meanwhile, the disposable authentication code of the present invention may be any value as long as it is a code value generated by disposing, and the above embodiment is a preferred embodiment for generating the authentication code. However, the authentication code of the present invention is not limited to the above embodiment .

If a disposable authentication code is dynamically generated through at least one of the first through sixth authentication code embodiments, the operation server 200 stores the generated disposable authentication code in a designated storage medium for a predetermined period of time Management. Preferably, the operation server 200 stores the created disposable authentication code in association with the transaction registration information (or at least some transaction registration information including the amount information) received from the affiliate shop terminal 300 , And / or can associate and store the generated disposable authentication code and the UGID. According to the embodiment of the present invention, by storing the generated disposable authentication code in association with the transaction registration information and / or the UGID, the authentication code can identify the transaction registration information (or specific Transaction) in order to verify the validity of the transaction.

After storing the UGID, the transaction registration information, and the disposable authentication code in a designated storage medium, the operation server 200 provides registration result information including the UGID and disposable authentication code to the merchant terminal 300 do. In accordance with the method of operation, the operation server 200 transmits the transaction amount corresponding to the amount information (for example, the amount information of the transaction registration information, or the amount calculated based on the amount information of the transaction registration information) in addition to the UGID and the disposable authentication code Etc.) and merchant information for payment.

The merchant terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200. According to an embodiment of the present invention, the registration result information may further include a transaction amount corresponding to the amount information or merchant information for payment. 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 provides the UGID and the disposable authentication code to the designated merchant-side sound wave device 360 to thereby include the UGID, the disposable authentication code, and transaction information through the sound wave device 360 within a specified validity time It is possible to process the sound signal to be transmitted. Preferably, the UGID, the valid time, and the validity time of the disposable authentication code may be synchronized.

According to the embodiment of the present invention, the merchant terminal 300 transmits transaction information including the transaction amount corresponding to the money amount information and the merchant information in addition to the UGID and the disposable authentication code to the specified sound wave device 360 So as to transmit the sound wave signal including the UGID and the disposable authentication code and the transaction information through the sound wave device 360 within the designated valid time. Hereinafter, the features of the present invention will be described focusing on an embodiment in which a sound wave signal including the UGID, the disposable authentication code, and transaction information is transmitted through the merchant point-side sound wave device 360 for convenience.

The franchise-point-side sound wave device 360 is a collective term of a device that is installed in / operated in the affiliated store and transmits a sound wave signal of a specified frequency band that is received and recognized by the user wireless terminal 400 in a short distance. Preferably, And transaction information can be transmitted in a short distance.

The present invention is characterized in that it transmits a sound wave signal (or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the UGID through a separate sound wave device 360 provided at an affiliate shop, (360), and automatically identifies a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, the merchant terminal (300) Even if the transaction registration information for the next reverse payment is registered before the reverse payment for the previously registered transaction registration information is completed, each reverse payment is processed asynchronously.

According to the method of the present invention, the merchant-side sound wave device 360 is connected to at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC and RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side sound wave device 360 receives the analogized sound wave signal (for example, the audio frequency domain or the non-audible frequency domain) in a designated frequency domain through a specified sound wave output device The digital information designated by the transmitted sound wave signal may be encoded and transmitted, or the sound wave signal including the designated sound wave pattern may be transmitted.

According to the first sound wave signal transmission embodiment of the present invention, the franchise point side sound wave device 360 is input through the sound wave input part 410 provided in one or more designated user wireless terminals 400, Related information, and then codes the information specified in accordance with the sound-wave encoding rule for encoding the digital information so as to be able to recognize the information encoded in the sound wave signal read through the designated app installed in the corresponding wireless terminal 400 It is possible to generate and transmit a sound wave signal, or to encode and send information designated by a specified sound wave signal. Preferably, the sound wave signal may be encoded with a UGID, and one or more designated information may be further encoded, such as at least one code for authenticating an object identified through a UGID according to an implementation method. On the other hand, the sound encoding rule is a rule for encoding a bit stream consisting of '0' and '1' in a sound wave signal (for example, a pseudo noise region of a sound wave signal, (For example, a method of inserting and encoding in a noise region), or a rule for matching a designated frequency (or combination of frequencies) and a designated digit (e.g., a DTMF method or a method of applying the same) , And it is evident that any rule is included in the sound wave encoding rule of the present invention if it is a rule capable of encoding digital information in a sound wave signal.

According to the second sound wave signal transmission embodiment of the present invention, the merchant-side sound wave device 360 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, And then transmits the sound wave signal including the sound wave pattern that can be read and encoded through the designated application installed in the corresponding wireless terminal 400 after being digitized through the built- For example, the sound wave device 360 can transmit 1 million distinct sound patterns different from each other, and the designated application of the user wireless terminal 400 can transmit 1 million sound waves Patterns can be discriminated and recognized, and the 1 million sound wave patterns include a pattern structure that is matched with a code value of one million different from each other or interpreted as different bit combinations within a specified number of bits (for example, 32 bits) Lt; / RTI &gt; Preferably, the sound wave signal includes a sound wave pattern having a pattern structure interpreted as a combination of bits constituting the UGID, and / or a sound wave pattern corresponding to separate sound wave pattern information matching the UGID The sound wave pattern corresponding to the sound wave pattern ID identifying the sound wave pattern matched with the UGID among the sound wave patterns in the specified number of sound wave patterns included in / .

The franchise point side sound wave device 360 of the present invention may be any device capable of transmitting a sound wave signal recognizable by the designated application of the user wireless terminal 400 based on at least one or two combinations of the sound wave signal transmission examples And the scope of the present invention is clearly defined.

According to the embodiment of the present invention, the merchant-side sound wave device 360 receives information necessary for transmitting a sound wave signal designated from the affiliate shop-side terminal 300 and receives the sound wave signal (or UGID And a sound wave signal including a sound wave pattern matched with the sound wave signal). Alternatively, the merchant-side sound wave device 360 may receive the UGID and the disposable authentication code from the merchant-side terminal 300 and transmit the sound wave signal including the UGID and the disposable authentication code at a short distance. Alternatively, the merchant-side sound wave device 360 may receive the UGID, disposable authentication code, and transaction information from the merchant-side terminal 300, and transmit the sound wave signal including the UGID, the disposable code, and transaction information at a short distance. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which the merchant-side sound wave device 360 transmits a sound wave signal including a UGID, a disposable authentication 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 constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, (400) is installed with an operating app (420) for recognizing various information including UGID included in the sound wave signal transmitted through the merchant point side sound wave device (360) And a payment application 450 for performing a payment procedure of a specific transaction identified through the UGID may be installed and executed.

The user wireless terminal 400 is a collective term of a wireless terminal having a constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, The operation app 420 is installed and operated to recognize the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360. The operation app 420 uses the UGID recognized through the operation app 420 to calculate a transaction amount And a payment application 450 for performing the payment procedure of the transaction amount can be installed and executed.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal at the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, at the same time that the operating app 420 is activated (or activated), it is checked whether the sound wave input unit 410 of the user wireless terminal 400 is activated to input a specified sound wave signal, and the sound wave input unit 410 And if not activated, a series of procedures for activating the sound wave input unit 410 may be performed. When the sound wave input unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the sound wave input unit 410 through the activated sound wave input unit 410 It is possible to wait for input of the sound wave signal transmitted from the sound wave device 360 of the merchant point and to read out the digitized data of the sound wave signal transmitted through the sound wave device 360 and input through the sound wave input part 410 The UGID included in the sound wave signal, the disposable authentication 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 operated by the user (or a designated application) before sending the sound wave signal at the merchant- May be driven (or activated) by the user wireless terminal 400 and the operating application 420 that is driven (or activated) may determine whether to transmit or receive sound waves to and from the merchant-side sound wave device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 360 by the user based on the interface screen, the operating application 420 may transmit sound waves through the sound wave output unit of the user wireless terminal 400, And transmits the request signal requesting the customer terminal 360 to transmit the designated sound wave signal, and the merchant point-side sound wave device 360 can transmit the sound wave signal including the UGID, the disposable authentication code, Can be transmitted.

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

The operating app 420, which has transmitted the request signal to the merchant-side sound wave device 360, receives the sound wave signal corresponding to the request signal from the merchant-side sound wave device 360, digitizes the inputted sound wave signal The UGID, the disposable authentication code, and the transaction information included in the sound wave signal can be recognized.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the sound wave signal designated by the merchant-point-side sound wave device 360 and receives the sound wave signal specified in the procedure (Or activated). The operating app 420 activated (or activated) by receiving the sound wave signal can read the digitized data of the input sound wave signal and recognize the UGID, the disposable authentication code, and the transaction information included in the sound wave signal .

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

If at least one of the first to fourth operational app operation embodiments recognizes the UGID and the disposable authentication code and transaction information included in the sound wave signal input from the sound wave device 360 of the merchant's point, (420) can 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 app 450 to be processed and shares the recognized UGID with the disposable authentication code and transaction information in the payment application 450 that is activated (or activated). Preferably, the operating app 420 may share the UGID, the disposable authentication code, and the transaction information with the payment application 450 in a parameter form of an instruction to activate (or activate) the payment application 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And transmits the UGID, the disposable authentication code, and the transaction information to the activated (or activated) payment application 450 through sharing.

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

Meanwhile, the activated (or activated) payment application 450 receives the UGID, the disposable authentication 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 identification information including the UGID and the disposable authentication code to the authentication server 100 associated with the payment application 450 within a specified validity time, Receives the recognition information including the UGID and the disposable authentication 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 UGID and the disposable authentication code from the authentication server 100 associated with the payment application 450 of the user wireless terminal 400, It is possible to authenticate the franchisee with the sound wave device 360 and at the same time to perform an authentication procedure to identify any transaction registration information uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant .

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

According to the embodiment of the present invention, the operation server 200 reads the code system of the unique code read out from the UGID, and confirms whether the unique code is a code that uniquely identifies a merchant having the specified sound wave 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 sound wave device 360 through a unique code read from the UGID, Corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 360 by confirming that the unique code read from the UGID is a unique code that uniquely identifies the affiliated store with the sound wave device 360 Can be identified and authenticated.

According to the embodiment of the present invention, the operation server 200 inquires a storage medium for associating and storing merchant-related information with a unique code of a merchant having the sound wave device 360 through a unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any one of the merchants having the sound wave device 360 corresponding to the unique code read out from the UGID.

On the other hand, when an affiliate shop corresponding to a unique code read out from the UGID among the affiliated stores having the sound wave device 360 is identified and authenticated, the operation server 200 registers the registered affiliate shop terminal 300, Which is uniquely identified for a predetermined period of time through the UGID among the registered transaction registration information. According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the information is any one of transaction registration information, and the operation server 200 is unique in the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID for a predetermined time It is possible to confirm any transaction registration information that is identified.

On the other hand, if transaction registration information uniquely identified for a predetermined time is confirmed through the UGID, the operation server 200 confirms a disposable authentication code stored in association with the UGID and / or stored in association with the transaction registration information, The validity of a specific transaction registration information (or a specific transaction) identified through the UGID can be authenticated by comparing and authenticating the authentication code included in the recognition information with the stored authentication code.

And authenticates the franchisee with the sound wave device 360 through the UGID included in the identification information, and authenticates the franchisee with the transaction registration information that is uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant And when the authentication procedure for authenticating the validity of the identified transaction registration information is performed through the one-time authentication code, the operation server 200 determines whether the authentication procedure performed using the authentication information And transmits authentication result information including the authentication result 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 an embodiment of the present invention may operate in cooperation with a payment application 450 installed in a user wireless terminal 400 and may be connected to an affiliate shop terminal 300 operated by an affiliate store having a sound wave 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 &gt; = 2) And a block-chain operation unit 285 that interfaces with the block-chain network 115 that implements the block-chain network 115 or implements the block-chain network 115.

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

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

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 2, the operation server 200 may include an affiliate store registration information for an affiliated store having a sound wave 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 sound wave device 360 and storing the unique code in association with the merchant- Respectively.

The franchise point terminal 300 having the sound wave device 360 (or a separate operating terminal or the like) stores the franchise registration information on the franchisee, the franchise point information on the franchisee for payment, , The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 300 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant store having the sound wave device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the sound wave device 360 requests registration of a unique code that uniquely identifies the corresponding 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.

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 having the sound wave device 360 A UGID generating unit 215 for uniquely identifying a merchant having the sound wave device 360 and generating a Unique Generated IDentification uniquely identifying a specific transaction corresponding to the transaction registration information, An authentication code generation unit 220 for dynamically generating a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, A transaction registration management unit 225 for storing the disposable authentication code in association with the registration result management unit 225, And a unit (230).

The merchant terminal 300 having the sound wave device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and constructs transaction registration information including the amount information to transmit to the operation server 200 The transaction registration receiving unit 210 receives transaction registration information including the 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 UGID generator 215 separately identifies a merchant having the sound wave device 360 and identifies a unique transaction corresponding to the transaction registration information received from the merchant terminal 300 .

According to the embodiment of the present invention, when a unique code of a merchant having the sound wave device 360 is registered through the information storage unit 205 (or the unique code is included in the transaction registration information), the UGID The generating unit 215 identifies a unique code that uniquely identifies a franchisee having the sound wave device 360 separately, and hides the unique code so that it can be read only through a predetermined specific device / server, It is possible to generate the UGID of the designated code system generated so as to have a different code value for each transaction corresponding to each transaction. Preferably, the UGID generator 215 may generate a UGID concealed with the unique code according to at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, according to another embodiment of the present invention, the UGID generator 215 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the sound wave device 360 ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

The authentication code generation unit 220 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time period through the UGID. According to at least one of the first through sixth authentication code embodiments of the present invention, the authentication code generating unit 220 may generate transaction registration information (or a specific transaction ) Can be dynamically generated as a disposable authentication code.

When the UGID is generated through the UGID generation unit 215 and the disposable authentication code is dynamically generated through the authentication code generation unit 220, the transaction registration management unit 225 transmits the UGID to the transaction registration receiving unit 210 (Or at least a part of the transaction registration information including the amount information), the UGID generated through the UGID generation unit 215, and the disposable authentication code generated through the authentication code generation unit 220 And stored in a designated storage medium for management. Preferably, the UGID and the disposable authentication code include a valid time that is valid for a predetermined time, and the transaction registration management unit 225 maintains the UGID and the disposable authentication code during the valid period It is preferable to store and manage it on a designated storage medium.

The registration result providing unit 230 configures the registration result information including the UGID and the disposable authentication code, and transmits the registration result including the UGID and the disposable authentication code to the merchant terminal 300 that transmitted the transaction registration information And the merchant terminal 300 can confirm the UGID generated through the operation server 200 using the registration result information.

The merchant terminal 300 receiving the UGID and the disposable authentication code through the registration result information transmits the UGID and the disposable authentication code to the merchant terminal 300 through the merchant terminal- To be transmitted.

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

The operating app 420 of the user wireless terminal 400 may read the sound wave signal and output the transaction information through a designated interface screen on the application screen within the effective time of the recognized UGID. 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 UGID and the disposable authentication code and transaction information to the payment application 450 that is driven (or activated).

The activated (or activated) payment application 450 receives the UGID, the disposable authentication code, and transaction information from the operating app 420 and receives the transaction information through a designated payment interface set in the application And can perform the designated terminal side settlement procedure.

The payment application 450 receiving the UGID, the disposable authentication code, and the transaction information from the operational application 420 constitutes recognition information including the UGID and the disposable authentication code, and the first to fourth payment procedures The authentication server 100 transmits the identification information to the designated authentication server 100 in conjunction with the payment procedure corresponding to at least one of the embodiments, and the authentication server 100 relays the identification information to the designated operation server 200 do.

Referring to FIG. 2, the operation server 200 determines whether or not the specified operation (operation) of the user wireless terminal 400 that has received the sound wave transmitted from the franchise point side sound wave device 360, The operating app 420 reads and recognizes the sound wave signal from the authentication server 100 associated with the payment application 450 operated in the user wireless terminal 400 through the application 420, A recognition information receiving unit 235 for receiving recognition information including a UGID (or a sound wave pattern matched with UGID) transmitted to the UGID reader 450, and a reader / An identification / authentication processing unit (240) for performing an authentication procedure for authenticating the one-time authentication code by performing an authentication procedure for identifying and authenticating a franchisee as a franchisee; A transaction registration confirmation unit (245) for performing an authentication procedure for confirming a transaction registration information uniquely identified through the UGID, and a registration confirmation unit (245) for constructing authentication result information including the authentication result of the performed authentication procedure, And an authentication result providing unit (250) provided to the authentication server (100), wherein the payment result information of the payment procedure performed based on the authentication result information is checked and processed as a payment result of the registered transaction registration information And a result processing unit (255).

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

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

According to the embodiment of the present invention, the identification / authentication processing unit 240 reads a code code of the unique code read from the UGID, and separately codes a unique identifier of the affiliate shop having the sound wave device 360, .

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read from the UGID to confirm whether the inherent code read from the UGID is a unique code that uniquely identifies the affiliated point having the actual acoustic wave device 360, 360), and at the same time, confirm that the sound wave device (360) is provided to the identified merchant.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the UGID, and stores the unique code registered through the information storage unit 205 in association with merchant-related information (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the UGID, and confirms the merchant-related information corresponding to the unique code read from the UGID It is possible to identify any one of the affiliated stores corresponding to the unique code read out from the UGID among the affiliated stores including the sound wave device 360 and to certify that the identified acoustic shop 360 is equipped with the affiliated store.

When the merchant corresponding to the UGID (or the merchant corresponding to the unique code read out from the UGID) among the merchants having the sound wave device 360 is identified and authenticated, the transaction registration confirmation unit 245 identifies the merchant And identifies any transaction registration information uniquely identified through the UGID among the transaction registration information registered through the merchant terminal 300.

According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the transaction registration information is any one of the transaction registration information, and the transaction registration confirmation unit 245 identifies the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID for a predetermined time It is possible to confirm a transaction registration information which is uniquely identified.

If any transaction registration information uniquely identified for a predetermined period of time is identified through the UGID from among the at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is uniquely identified through the UGID, The authentication processing unit 240 identifies the disposable authentication code stored in association with the UGID and / or stored in association with the transaction registration information through the transaction registration management unit 225, and stores the authentication code included in the identification information and the stored By comparing and authenticating the authentication code, the validity of any one specific transaction registration information (or a specific transaction) identified through the UGID can be authenticated.

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

An authentication procedure for uniquely identifying a merchant having the sound wave device 360 via the UGID and a transaction registration information uniquely identified for a predetermined time through the UGID among the transaction registration information registered at the identified and authenticated merchant When the authentication procedure for identifying and authenticating the validity of the disposable authentication code is performed, the authentication result providing unit 250 performs the authentication process for authenticating the validity of the disposable authentication code using one or more authentication procedures performed using the information included in the identification information And provides the authentication result information to the authentication server 100 that has transmitted the recognition information.

Meanwhile, according to the extended method of the present invention, the authentication result providing unit 250 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 255 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 345 (255) can receive the payment result information from the payment application 450 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

More specifically, FIG. 3 illustrates a functional configuration of a merchant terminal 300 operated by an affiliated store having a sound wave device 360 and a sound wave device 360 provided at the affiliated store, It is possible to refer to and / or modify the FIG. 3 to various methods (for example, some of the constituent parts are omitted or the functions of the sound wave device 360 are omitted) 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.

3, the merchant terminal 300 includes a terminal control unit 302, 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 power supply.

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 320 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 sound wave device 360 provided at the affiliate store and 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.). Preferably, the franchise-point-side terminal 300 may operate in conjunction with the sound wave 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's app 320 for reverse payment according to the present invention and the merchant's app 320 is installed in a separate app installed on the merchant's terminal 300 Or may be implemented through an application corresponding to the merchant payment unit 315. The merchant application 320 may be implemented in the form of an interlocking app that operates in conjunction with the merchant payment unit 315, The present invention is not limited thereto.

Referring to FIG. 3, the merchant application 320 of the merchant point-side terminal 300 registers at least one merchant-related information in the designated operating server 200, or stores an affiliate shop having the sound wave 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 merchant registration information for a merchant having the sound wave device 360, merchant information given to the merchant for settlement, and terminal information provided at the merchant shop 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 sound wave 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.

Referring to FIG. 3, the merchant application 320 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 200 A transaction registering unit 330 for registering and registering a transaction corresponding to the transaction registration information, and a franchisee having the sound wave device 360 separately from the operation server 200, A registration result receiving unit 335 for receiving registration result information including a UGID including the disposable authentication code generated to authenticate the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time period via the UGID, Respectively.

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 receives the transaction registration information including the money amount information and uniquely identifies the merchant having the sound wave device 360 according to at least one embodiment of the UGID generation embodiment of the present invention And simultaneously generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information received from the merchant terminal 300. Preferably, the UGID may be generated so as to be able to read the designated unique code only through a predetermined specific device / server and to have different code values for each transaction corresponding to the transaction registration information. In order to authenticate the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined period of time through the UGID, the operation server 200 may transmit the UGID to at least one of the first to sixth authentication code embodiments To generate the disposable authentication code dynamically. The operation server 200 may associate the transaction registration information with the UGID and the disposable authentication code and provide registration result information including the UGID and the disposable authentication code to the merchant terminal 300, The registration result receiving unit 335 receives the registration result information including the UGID and the disposable authentication code from the operation server 200. [

Referring to FIG. 3, the merchant application 320 of the merchant terminal 300 includes the UGID and the disposable authentication code through the merchant-side sound wave device 360 connected through the interface unit 310 And a result processing unit 345 that receives the settlement result information from the operation server 200 and outputs the settlement result information to the signal transmission processing unit 340 that processes the sound wave signal to be transmitted to the near side.

The signal transmission processing unit 340 checks the UGID and the disposable authentication code received through the registration result receiving unit 335 and transmits the UGID and the disposable authentication code to the affiliate shop side sound wave device 360 By providing the UGID, the sound wave signal including the UGID and the disposable authentication code can be transmitted through the sound wave device 360 in a short distance.

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 345 receives and outputs the payment result information from the operation server 200. The process of transmitting the sound wave signal through the signal transmission processing unit 340 and the process of receiving the payment result information through the result processing unit 345 may be performed asynchronously (e.g., through the signal transmission processing unit 340) After receiving the sound wave signal (or sound wave signal including the sound wave pattern matched with the UGID) encoded with the UGID, the sound wave signal (or the sound wave signal including the sound wave pattern matched with the UGID) Signal), and each transaction that is processed asynchronously is uniquely identified for a certain period of time through the UGID.

Referring to FIG. 3, the franchise point side sound wave device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and an acoustic signal unit 368.

The device control unit 362 is a generic term for controlling the operation of the sound wave device 360 of the merchant point and 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 sound wave device 360 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 360. 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 sound wave device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a collective term for a nonvolatile memory included in the sound wave device 360 and includes at least one program code executed through 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 sound wave device 360, a communication program code and communication data set for processing a wireless communication connection of the sound wave 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.). Preferably, the franchise-point-side sound wave device 360 may be interlocked with the franchise-point-side terminal 300 provided at the franchisee through the terminal interlocking portion 364.

The sound wave signal unit 368 is a collective term for a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and transmits a sound wave signal of a specified frequency band that can be digitized. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 368 modulates the information set generated through the device control unit 362 into a sound wave signal of a designated frequency band and outputs the signal wave (for example, a signal capable of being received through the wireless terminal 400 within a specified distance Strength, etc.). Or the sound wave signal unit 368 may receive and demodulate the sound wave signal of the designated frequency band and may transmit the obtained data to the device control unit 362. The device control unit 362 may perform the information processing procedure corresponding to the data Can be performed.

According to an embodiment of the present invention, the sound wave signal portion 368 is configured to convert an analogized sound wave signal of a designated frequency range (e.g., an audible frequency range or an audible frequency range, etc.) through a specified sound wave output device And the sound wave signal may include a sound wave pattern in which designated digital information such as UGID is encoded or matched with UGID. Preferably, the sound wave signal portion 368 can transmit a sound wave signal corresponding to the sound wave signal transmission embodiment of the present invention.

Referring to FIG. 3, the merchant-side sound wave device 360 includes an information checking unit 370 for checking a UGID to be transmitted through a sound wave signal of a designated frequency band, (Or an acoustic wave signal including a sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 368 (the signal transmission unit 380)

The information confirmation unit 370 checks the UGID and the disposable authentication code to be transmitted through the sound wave signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364. [

The information configuration unit 375 composes transmission information including the identified UGID and the disposable authentication code in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [

When the transmission information including the UGID and the disposable authentication code is configured through the information configuration unit 375, the signal transmission unit 380 transmits the transmission information through the sound wave signal unit 368 to a designated frequency band (Or an acoustic wave signal including a sound wave pattern matched with the transmission information) is sent out at a designated signal intensity (for example, a signal strength that can be received through the wireless terminal 400 within a specified distance) The sound wave signal unit 368 transmits a sound wave signal in a designated frequency band including transmission information provided by the signal transmission unit 380 through a predetermined sound wave output unit.

Meanwhile, according to an embodiment of the present invention, the operating app 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 368 may transmit the request And provides the data to the device control unit 362. The device control unit 362 controls the information checking unit 370 to check the UGID and the disposable authentication code according to the request signal, And transmits the sound wave signal including the transmission information through the signal transmission unit 380 to the control unit 370. The control unit 370 controls the information forming unit 375 to configure the transmission information including the UGID and the disposable authentication code, So that the sound wave 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 wave output unit and a sound wave input unit 410, A communication unit 412, a wireless network communication unit 414, a USIM reader unit 416, and a USIM, and has a battery for power supply.

The 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 linked with the screen output unit 404), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 402 or data necessary for the operation of the control unit 402. [

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

The sound wave input unit 410 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 410. The sound wave input unit 410 digitizes and / or encodes the analog sound wave input through the sound wave input unit, . Preferably, the sound wave signal transmitted through the sound wave device 360 according to the present invention is also input through the sound wave input unit 410, digitized and transmitted to the control unit 402, do.

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

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

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

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

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

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

The 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 confirming a sound wave signal input from the sound wave device 360 at the merchant point through the sound wave input unit 410, A signal recognition unit 430 for recognizing various kinds of information including UGID included in the sound wave signal inputted from the sound wave device 360 of the merchant's point of view, and confirming whether or not to execute the transaction of the transaction identified through the recognized UGID And a transaction processing unit 440 that drives (or activates) the payment application 450 specified at the time of confirming the payment processing execution to process the settlement procedure of the transaction identified through the UGID, and transmits the transaction information through the sound wave signal And a transaction information display part (435) for outputting the recognized transaction information through the designated interface screen if it is recognized.

The signal verifying unit 425 receives at least one of the first to fourth operational app operation embodiments of the present invention and transmits the sound wave signal transmitted from the merchant point side sound wave device 360 through the sound wave input unit 410 Check if it is received. If the sound wave signal transmitted from the franchise point-side sound wave device 360 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, UGID included in the sound wave signal, and preferably recognizes the UGID, the disposable authentication code, and the transaction information included in the sound wave signal. Hereinafter, technical features of the present invention will be described with reference to an embodiment in which UGID, disposable authentication code, and transaction information are included in the sound wave signal for convenience, but the present invention is not limited thereto.

If the transaction information included in the sound wave 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 payment process by recognizing the UGID, reads the user operation on the interface screen, It can be confirmed whether or not the settlement processing for the information is decided to be executed.

(Or activates) the specified payment application 450 and confirms that the settlement procedure of the transaction identified through the UGID is performed when confirming the payment processing execution for the transaction to be identified through the UGID (or the transaction information). According to the embodiment of the present invention, the transaction procedure using the transaction information is performed through a designated separate payment application 450. To this end, the transaction 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 UGID, and the UGID, and the disposable authentication code and the transaction information, which are recognized through the signal recognition unit 430, to the payment application 450 while (or after) Can be processed.

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 status confirmation unit 455, a shared information checking unit 460 for checking various information including the UGID shared and transmitted from the operating app 420, and a UGID And a UGID), and transmits the recognition information to the specified authentication server 100. The authentication server 100 transmits the recognition information to the designated operation server 200 ), And when the operation server 200 provides the authentication result information by performing the designated authentication procedure based on the recognition information, the authentication server 100 transmits a payment procedure of the specific transaction identified through the UGID To the designated payment server 105 And a payment procedure processing unit 470 for causing a procedure for processing to be relayed to be performed.

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

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.

Meanwhile, when the UGID and the disposable authentication code shared from the operating app 420 are confirmed, the recognition information transmitting unit 465 constructs recognition information including the recognized UGID and the disposable authentication code through the sound wave signal, And transmits the recognition information to the specified authentication 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 identification information from the authentication server 100, performs a specified authentication procedure using the UGID and the disposable authentication code included in the identification information, And provides the authentication result to the authentication 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 transaction registration information identified through the UGID 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.

5 illustrates an embodiment of an information registration process for reverse payment using a sound wave device 360 provided at an affiliate store and a process of implementing or interlocking a block chain network 115 for block- Those skilled in the art will appreciate that various modifications and changes may be made to the information registration process and the implementation / interlocking process of the block-chain network 115 by referring to and / (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features Is not limited.

Referring to FIG. 5, a merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal transmits merchant registration information for the merchant to the designated operating 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 sound wave device 360 requests the designated operating server 200 to register a unique code for separately identifying the merchant having the sound wave 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).

Referring to FIG. 5, the operation server 200 generates a new block including N (N? 2) node devices 120 operating according to a designated block chain algorithm and including a specified number of transaction history details A procedure of negotiating the new block as a valid block between each node device 120 is performed to chain it or a transaction ledger block containing (or loading) chained valid blocks through the negotiation process is transmitted to each node device 120 (E.g., its own block-chain network 115 implemented through N node devices 120 built by the operating company itself), a virtual block-chain network 115 (e.g., (E.g., virtual block chain network 115 implemented by emulating N node devices 120 through at least one operating server), a hybrid block chain network 115 (e.g., n (N n) virtual node devices (120) implemented through at least one server operated by the operator (1? N <N) and a node device (120) At least one block-chain network 115 (525). Or N (N? 2) node devices 120 operating in accordance with a specified block chain algorithm may generate a new block containing a specified number of transaction history details, (Or stacked) the valid block that has been chained through the negotiation process, by allocating the new block as a valid block between the node devices 120, Chain network 115 (e.g., a block-chain network 115 implemented for cryptographic transaction, a block-chain network 115 implemented for financial-related ledger management, a block-chain network (At least one external block chain network 115 which can be interlocked with the operation server 200) among the plurality of external block chain networks.

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

In more detail, FIG. 6 shows the transaction registration information including the amount information for reverse payment in the merchant terminal 300 operated by the merchant having the sound wave device 360 and registers the transaction registration information in the operation server 200 At the same time, the UGID generated by concealing a unique code in the operation server 200 is transmitted in the reverse direction so as to be included in a sound wave signal transmitted from the member shop side sound wave device 360. Those skilled in the art will be able to refer to and / or modify the FIG. 6 to implement various methods (e.g., omitting some steps or changing the order) for the transaction registration or reverse UGID delivery process, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited thereto. It is not fixed.

Referring to FIG. 6, the merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal receives money amount information for reverse payment using the sound wave 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 the transaction registration information including the money amount information from the merchant terminal 300 at step 610 and checks whether the information included in the transaction registration information or the transaction registration information is received And confirms a unique code that uniquely identifies the merchant who has the sound wave device 360 and registers the transaction registration information using the received information (615). If the unique code of the merchant registering the transaction registration information is not confirmed even though all of the merchants equipped with the sound wave device 360 are registered with a unique code that uniquely identifies the corresponding merchant, The merchant terminal 300 provides merchant error information indicating that the unique code of the merchant registering the transaction registration information can not be confirmed by the merchant terminal 300 having registered the transaction registration information at step 620, Information is received and output (625). On the other hand, in the embodiment where all the merchants having the sound wave device 360 do not register the unique code, the operation server 200 can generate the UGID through the embodiment of FIG.

On the other hand, if a unique code that uniquely identifies a merchant registering the transaction registration information is provided, which has the sound wave device 360, the operation server 200 can read the identified unique code only through the specified specific device / server Identifies a merchant having the sound wave device 360, and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information (630). Preferably, the operating server 200 uniquely identifies a merchant having the sound wave device 360 through at least one embodiment of the UGID generation embodiment of the present invention, and at the same time, (630). &Lt; / RTI &gt;

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (635). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (635).

If the UGID and the disposable authentication code are generated, the operation server 200 stores the transaction registration information, the UGID, and the disposable authentication code in a designated storage medium (640) Registration result information including the UGID and the disposable authentication code is transmitted (645).

The merchant terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 and transmits the registration result information including the UGID and the disposable authentication code to the affiliate shop side sound wave device 360 (655), the merchant-side sound wave device (360) transmits the sound signal including the UGID, the one-time authentication code, and transaction information corresponding to the transaction registration information registered in the operation server (200) The UGID, the disposable authentication code, and transaction information to be transmitted through the sound wave signal are confirmed (660), and the UGID and the disposable authentication code and the transaction information are recognized in the designated structure (for example, (665), transmits (670) a sound wave signal including the transmission information through a sound wave signal in a designated frequency band, and transmits the sound wave transmitted from the sound wave device (360) Signal is received by the user's wireless terminal 400 in the local area.

FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.

In more detail, in FIG. 7, the merchant terminal 300 operated by a merchant having the sound wave device 360 configures transaction registration information including amount information for reverse payment and registers the transaction registration information with the operation server 200 At the same time, the UGID generated in the operation server 200 is transmitted in the reverse direction so as to be included in the sound wave signal transmitted from the member shop side sound wave device 360. In the present invention, It is possible to refer to and / or modify the FIG. 7 to infer the various methods of carrying out the transaction registration or the reverse UGID delivery process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 7 .

Referring to FIG. 7, the merchant terminal 300, which is operated by a merchant having a sound wave device 360 that transmits a specified sound wave signal, receives amount information for reverse payment using the sound wave 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 transmits the transaction registration information to the operation server 200. The operation server 200 includes the sound wave device 360, And generates a UGID that uniquely identifies the specific transaction corresponding to the transaction registration information (715). Preferably, the operation server 200 separately identifies a franchisee having the sound wave device 360 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time, (715). &Lt; / RTI &gt;

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the UGID (operation 720). Preferably, the operation server 200 receives at least one of the transaction registration information (or the specific transaction) uniquely identified for a predetermined period of time through the UGID through at least one of the first through sixth authentication code embodiments of the present invention. A disposable authentication code for authenticating validity may be dynamically generated (720).

If the UGID and the disposable authentication code are generated, the operation server 200 stores the transaction registration information, the UGID, and the disposable authentication code in a designated storage medium (725) Registration result information including the UGID and the disposable authentication code is transmitted (730).

The merchant terminal 300 receives the registration result information including the UGID and the disposable authentication code from the operation server 200 and transmits the registration result information including the UGID and the disposable authentication code to the merchant terminal 300 connected to the merchant terminal 300 (740), the merchant-side sound wave device 360 requests to transmit the sound wave signal including the UGID, the one-time authentication code, and transaction information corresponding to the transaction registration information registered in the operation server 200 The UGID, the disposable authentication code and transaction information to be transmitted through the sound wave signal are checked 745 and the UGID and the disposable authentication code and the transaction information are recognized in the designated structure (for example, the operation application 420 of the user wireless terminal 400 recognizes (750), transmits an acoustic wave signal including the transmission information through an acoustic wave signal in a designated frequency band (755), and transmits the acoustic wave signal transmitted from the acoustic wave device (360) Signal is received by the user's wireless terminal 400 in the local area.

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 the sound wave transmitted from the sound wave device 360 of the merchant through the process of FIG. 6 or FIG. 7 and recognizes various information including the UGID, 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 transmitting the sound wave signal of the designated frequency band from the sound wave device 360 through the process shown in FIG. 6 or FIG. 7, the operating app 420 of the user wireless terminal 400, (800) through the sound wave input unit (410) of the user wireless terminal (400) to determine whether a specified sound wave signal transmitted through the sound wave device (360) is input. If it is confirmed that the designated sound wave signal transmitted through the merchant point-side sound wave device 360 has been input, the operating app 420 of the user wireless terminal 400 reads the input sound wave signal and transmits various information including the UGID (805). Preferably, the operating app 420 of the user wireless terminal 400 may be implemented in at least one of the first through fourth operating modes of operation of the present invention, The UGID and the disposable authentication code and transaction information can be recognized by reading and receiving the sound wave signal (805).

If the UGID, the disposable authentication code, and transaction information are recognized through the sound wave signal input from the merchant point-side sound wave device 360, the operating app 420 of the user wireless terminal 400 transmits the transaction 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 sound wave signal input from the merchant's sound wave device 360 to the payment application 450 and shares the recognized UGID with the disposable authentication 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 the UGID, the disposable authentication 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 payment procedure to the designated authentication server 100, the authentication server 100 transmits the authentication information including the UGID and the one- The server 100 causes the operation server 200 to perform the authentication procedure corresponding to the recognition information and then relay the transaction information (or the payment request information) to the designated payment server 105 upon successful authentication, It will be appreciated by those skilled in the art that the present invention may be further understood by referring to and / It is to be understood that the present invention is not limited to the above-described embodiments, but various embodiments may be devised (for example, a method in which some steps are omitted or procedures are changed) Its technical characteristics are not limited.

Referring to FIG. 9, the payment application 450, which is driven (or activated) through the process shown in FIG. 8, receives the UGID and the disposable authentication code and transaction information from the payment application 450, (900), configures the identification information including the UGID and the disposable authentication code shared from the operating application (420), and transmits the identification information 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 identification information including the UGID and the disposable authentication code from the authentication server 100 in step 920 and reads the UGID of the identification information from the authentication server 100 in response to the encoding rule (925), and then transmits the unique code stored in the UGID to the wireless terminal 400 (or the wireless terminal 400) using the information registered through the process of FIG. 5 and the read unique code (I.e., the payment app 450), that is, the merchant having the sound wave device 360 (step 930). If the temporary unique code is included in the UGID, the read temporary id code is read through the temporary unique code included in (or hidden from) the UGID 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 sound wave device 360 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 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 merchant having the sound wave device 360 is authenticated and authenticated through the UGID of the identification information, the operation server 200 confirms the transaction registration information uniquely identified for at least a certain period of time through the UGID 950). If no transaction registration information identified through the UGID is confirmed, the operation server 200 provides an authentication error for identifying the transaction registration information to the authentication server 100 (935) The user terminal 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 940 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error (945).

Meanwhile, when the transaction registration information identified through the UGID is confirmed, the operation server 200 checks the disposable authentication code associated with the transaction registration information and compares the disposable authentication code of the identification information with the disposable authentication code And authenticates the validity of the transaction registration information through the disposable authentication code by authenticating the validity of the disposable authentication code (955). If the validity of the disposable authentication code is not authenticated, the operation server 200 provides an authentication error of the disposable authentication code to the authentication server 100 (935) The authentication error is relayed to the payment application 450 of the terminal 400 in step 940 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in step 945.

The operation server 200 constructs authentication result information using the recognition information, transmits the authentication result information to the authentication server 100 that has transmitted the recognition information (960), and the authentication server 100 The authentication result information is received (965) from the operation server 200, and the authentication result information is read to check whether the authentication procedure using the recognition information succeeds (970). 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 (975).

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 illustrates a case where the payment application 450 activated (or activated) through the process shown in FIG. 8 transmits the identification information including the UGID shared with the operating app 420 and the one- When the authentication server 100 transmits the authentication result information to the server 100, the authentication server 100 causes the specified operation server 200 to perform the authentication procedure corresponding to the recognition information, 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 a terminal side payment procedure for the transaction information shared and received from the operating app 420 when the authentication success is confirmed, (Or payment request information) transmitted from the authentication server 100 to the payment server 105 specified by the authentication server 100, the transaction information (or the payment request information) Those skilled in the art will be able to refer to and / or modify the FIG. 10 to understand the various procedures of the settlement procedure (e.g., some steps may be omitted or the order may be changed). 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, receives the UGID and the disposable authentication code and transaction information from the payment application 450 in a shared manner, And transmits identification information including the UGID and the disposable authentication code shared from the operating app 420 to the designated 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 UGID and the disposable authentication code from the authentication server 100 (1015), reads the UGID of the recognition information (for example, corresponds to the encoding rule in which the UGID is generated (Step 1020). After the information is registered in the process of FIG. 5 and the read unique code, the wireless terminal 400 (or the wireless terminal 400) The payment app 450), that is, the franchisee having the sound wave device 360, is authenticated (1025). If the temporary unique code is included in the UGID, the read temporary id code is read through the temporary unique code included in (or hidden from) the UGID 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 sound wave device 360 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 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 merchant having the sound wave device 360 is authenticated and authenticated through the UGID of the identification information, the operation server 200 confirms the transaction registration information uniquely identified for at least a certain period of time through the UGID 1045). If no transaction registration information identified through the UGID is confirmed, the operation server 200 provides an authentication error for identifying the transaction registration information to the authentication server 100 (1030) The user terminal 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1035 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error (1040).

Meanwhile, when the transaction registration information identified through the UGID is confirmed, the operation server 200 checks the disposable authentication code associated with the transaction registration information and compares the disposable authentication code of the identification information with the disposable authentication code (1050) the validity of the disposable authentication code to authenticate the validity of the transaction registration information through the disposable authentication code. If the validity of the disposable authentication code is not authenticated, the operation server 200 provides an authentication error of the disposable authentication code to the authentication server 100 in operation 1030, The authentication error is relayed to the payment application 450 of the terminal 400 in step 1035 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in operation 1040.

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 1055, 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 1060. The payment application 450 receives the authentication result information from the authentication server 100 in operation 1065.

The payment app 450 reads the authentication result information and determines whether the authentication process using the recognition information is successful (1070). 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 in step 1075. The authentication server 100 transmits the transaction information (or the payment request information) (Or payment request information) to the designated payment server 105 to request payment processing (1080).

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 a case where a payment application 450 activated (or activated) through the process shown in FIG. 8 transmits identification information including a UGID shared with the operating app 420 and a one- The authentication server 100 causes the authentication server 100 to perform an authentication process 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 reading the authentication result information from the payment application 450 and performing the terminal side payment procedure for the transaction information when confirming the authentication success (Or payment request information) to the designated payment server 105 in the authentication server 100, and performs the settlement processing. In this embodiment, Those skilled in the art will be able to refer to and / or modify this FIG. 11 to infer various implementations of the settlement procedure process (e.g., omitting some steps or changing the order) However, the present invention is not limited to 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 is shared and received between the payment application 450 and the UGID, And transmits the UGID and the disposable authentication 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 identification information including the UGID and the disposable authentication code from the authentication server 100 (1115), reads the UGID of the identification information (e.g., corresponds to the encoding rule in which the UGID is generated (Step 1120). After the information is registered in the UGID, the wireless terminal 400 (or the wireless terminal 400) (Payment application 450), that is, the franchisee having the sound wave device 360, is authenticated (1125). If the temporary unique code is included in the UGID, the read temporary id code is read through the temporary unique code included in (or hidden from) the UGID 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 sound wave device 360 is not identified by the UGID included in the recognition information, the operation server 200 notifies the authentication server 100 of the UGID included in the recognition information The authentication server 100 provides an authentication error 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 merchant having the sound wave device 360 is authenticated and authenticated through the UGID of the identification information, the operation server 200 confirms the transaction registration information uniquely identified for at least a certain period of time through the UGID 1145). If any transaction registration information identified through the UGID is not confirmed, the operation server 200 provides an authentication error to the authentication server 100 for identification of the transaction registration information 1130, The authentication server 100 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1135 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error (1140).

Meanwhile, when the transaction registration information identified through the UGID is confirmed, the operation server 200 checks the disposable authentication code associated with the transaction registration information and compares the disposable authentication code of the identification information with the disposable authentication code Authenticating the validity of the disposable authentication code (1150), and validating the validity of the transaction registration information through the disposable authentication code. If the validity of the disposable authentication code is not authenticated, the operation server 200 provides an authentication error of the disposable authentication code to the authentication server 100 (1130) The authentication error is relayed to the payment application 450 of the terminal 400 in step 1135 and the payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in step 1140.

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 relays the authentication result information and the transaction information to the payment application 450 in step 1160, (450) receives the authentication result information and transaction information from the authentication server (100) (1165).

The payment app 450 reads the authentication result information and checks whether the authentication process using the recognition information succeeds in authentication (1170). 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 specified based on the authentication result information to perform a predetermined terminal-side payment procedure (1175) And transmits the transaction information (or payment request information) corresponding to the terminal-side payment procedure to the authentication server 100 in step 1180. 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 (1185).

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 process 115 of the present invention. If the person skilled in the art is aware of the present invention, (For example, omitting some steps or changing the order) of the transaction management process using the block chain, the present invention may include all the methods of the inferred embodiments And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 13, a block chain network (hereinafter, referred to as &quot; block chain network &quot;) for block-chaining transaction history details of a specified structure via N (N? 2) node devices 120 operating according to a block- 115 or interworking with the implemented block chain network 115. When the settlement result information is confirmed through the process of FIG. 12, the operation server 200 transmits the settlement result information to the designated structure that can be block- A procedure for generating a transaction history including the settlement result of the settlement result information is performed (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 the embodiment of the second transaction history of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. For example, in the payment result information, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server stores the transaction history part including (mj) pieces of publicly available information and the stored / confirmed identification information included in the payment result information (1300).

According to an embodiment of the present invention, the operation server 200 may block-chained the M (M &gt; = 2) pieces of information included in the payment result information through a block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i unassisted object information is confirmed, the operation server 200 generates hash information that unidirectionally hashes the confirmed j pieces of secret information through the designated hash algorithm, and outputs mj ) Disclosable information and the generated hash information (1300).

According to an embodiment of the fourth transaction history of the present invention, the operation server 200 performs block chaining (M < 2 &gt;) through block-chain algorithms of the block- (1? M? M) pieces of information to be included in the transaction record corresponding to the specified structure of interest, and identifies j (1? J? M) pieces of non-disclosure object information among the m pieces of confirmed information. When the i un-open object information is confirmed, the operation server generates cryptographic information in which the identified j pieces of private object information are encrypted through a cryptographic method in which only the designated decryption key is decryptable, (Mj) pieces of publicly available information included in the transaction history information and the generated password information (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 breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. For example, in the payment approval result, a card number, an account number, and the like may be included in j pieces of non-disclosure information. The operation server 200 may include identification information for uniquely matching identification of the identified j number of pieces of secret information (e.g., j pieces of identification information for individually identifying j pieces of pieces of secret information, or j pieces of pieces of secret information, Identifying one or more pieces of identification information for identifying the j pieces of private object information, etc.), storing the j pieces of private object information and the identification information in a specified management DB, and / Alternatively, j pieces of non-disclosure information and identification information previously stored in the management DB may be confirmed by matching with the identified j pieces of non-disclosure subject information. If the j pieces of non-disclosure object information and the identification information are stored / confirmed, the operation server records the transaction details including (mj) pieces of publicly available information and the stored / verified identification information included in the payment approval result (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 breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 &lt; = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates hash information having the unidirectionally hashed hash information of the confirmed j pieces of the secret information through the designated hash algorithm, and mj ) Disclosable information and the generated hash information (1300).

According to the eighth transaction history details embodiment of the present invention, the operation server 200 confirms the payment approval result included in the payment result information and extracts M (M? 2) pieces of information included in the payment approval result (1? M? M) pieces of information to be included in the transaction history corresponding to the specified breakdown structure that can be block chained by the block chain algorithm of the block chain network 115, 1 < = j &lt; m) non-disclosure object information. When the i unavailability target information is confirmed, the operation server 200 generates cryptographic information by encrypting the confirmed j pieces of non-disclosure target information through a cryptographic method of encrypting only the decryption key using the designated decryption key, (Mj) pieces of publicly available information included in the payment approval result and the generated password information (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 115, the operation server 200 transmits the generated transaction history details to the block chain network 115 And performs a block chaining procedure (1305).

The node device 120 on the block-chain network 115 collects 1310 a specified number of transaction history details broadcasted to the block-chain network 115 in accordance with a specified block-chain algorithm. If a specified number of transaction history details are collected, the node device 120 on the block-chain network 115 generates a new block including the specified number of transaction history details and transmits the new block to the valid block through the other node device 120 A procedure may be performed 1315 to perform a procedure for requesting a consensus and / or to validate a new block requested to be concluded from another node device 120 and chaining the new block to a valid block. If the generated or agreed effective block including the broadcasted transaction record is chained, the node device 120 on the block-chain network 115 transmits a transaction ledger block including (or loading) the chained effective block (1320), and stores the configured transaction history block in each node device (120) in a distributed manner (1325).

Meanwhile, the operation server 200 determines whether the number of transaction details broadcasted to the block-chain network 115 is less than a specified reference number during a predetermined reference time (operation 1330). If the number of transaction history details broadcasted to the block-chain network 115 is less than a specified reference number during the specified reference time, the operation server 200 transmits a transaction broadcast to the block- The dummy transaction history record of the designated number may be generated and broadcasted to the block chain network 115 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 115 for a specified reference time, the node device 120 on the block chain network 115 notifies the block chain network 115 of the designated number (1310), generates a new block including the collected transaction details of the specified number, and performs a procedure of requesting agreement with a valid block through another node device (120) and / (1315) a procedure of verifying the new block requested by the node device 120 and chaining the new block requested by the node apparatus 120 to a valid block, constructing a transaction history block including the chained effective block (1320) The node device 120 may perform a process of distributing the data to the node device 120 (1325).

Meanwhile, the operation server 200 broadcasts the transaction history to the block-chain network 115 and broadcasts the transaction history to the block-chain network 115 in association with the block-chain process of the block-chain network 115 within a predetermined time The transaction history is managed to be effectively block-chained (1340).

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115 It is possible to confirm whether a new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 (1340). If a new block including the broadcast transaction details is not generated within a predetermined time, the operation server 200 may interwork with one or more node devices 120 provided in the block-chain network 115, (Step 1340) to intervene in the block chain algorithm executed through the device 120 and to generate a new block including the broadcast transaction history.

According to an embodiment of the present invention, the operation server 200 may include at least one node device 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A new block including the broadcast transaction details is generated through at least one node device 120 among the N node devices 120 provided in the block chain network 115 in a predetermined period of time, It may be confirmed 1340 that a procedure for negotiating with one or more other node devices 120 provided in the chain network 115 is performed. If a new block including the broadcast transaction details is generated within a predetermined time and a consensus process is not performed, the operation server 200 may transmit the new transaction information to the one or more node devices 120 ) Or intervenes in a block chain algorithm executed through the node device 120 and processes 1340 to process a new block including the broadcast transaction history 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 120 provided in the block-chain network 115 after the transaction history is broadcasted to the block-chain network 115, A transaction history block including (or loading) valid blocks including generated or agreed-upon validated blocks including the broadcast transaction details within a predetermined time is transmitted to N node devices 120 provided in the block- (1340). &Lt; / RTI &gt; If a transaction history block including (or loading) the valid blocks generated or agreed including the broadcast transaction details in a predetermined time is distributed to the N node devices 120 provided in the block-chain network 115 If not stored, the operational server 200 intervenes with a block-chain algorithm that interlocks with or runs through the one or more node devices 120 provided in the block-chain network 115, (Or loaded) valid block including the generated or agreed-upon effective block including the details of the transaction history can be distributedly stored in the N node devices 120 provided in the block-chain network 115 (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 120 provided in the block-chain network 115, 200 may identify a transaction ledger block stored in the node device 120 of the block-chain network 115 in cooperation with the node device 120 provided in the block-chain network 115, Or a process of adding (or loading) a valid block created or agreed to the transaction history block including the broadcast transaction history block in the designated block storage area and updating the valid block.

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

100: Authentication server 105: Payment server
115: block chain network 120: node device
200: Operation server 205: Information storage unit
210: transaction registration receiving unit 215: UGID generating unit
220: authentication code generation unit 225: transaction registration management unit
230: registration result providing unit 235: recognition information receiving unit
240: identification / authentication processing unit 245: transaction registration confirmation unit
250: authentication result providing unit 255: payment result processing unit
270: transaction record breakdown generating unit 275: block chaining process unit
280: Block Chain Management Unit 285: Block Chain Management Unit
300: Merchant terminal 310: Interface unit
315: merchant payment department 320: merchant application
325: Information registering part 330: Transaction registering part
335: registration result receiving unit 340: signal transmission processing unit
345: Result processor 360: Sound wave device
370: Information check unit 375: Information configuration unit
380: Signal transmitter 400: User wireless terminal
410: sound wave input unit 420: operating app
425: Signal verification unit 430: Signal recognition unit
435: Transaction information display part 440: Transaction processing part
450: Payment App 455: Status Checker
460: Shared information verification unit 465: Identification information transmission unit
470: Payment Process Processor

Claims (14)

A method for communicating with an affiliate shop terminal operated by an affiliate shop having a sound wave device for transmitting a specified sound wave 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;
A second step of the transaction server receiving transaction registration information including amount information from an affiliate terminal operated by an affiliated store having the sound wave device;
The operation server uniquely identifies a merchant having the sound wave device and simultaneously generates a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information, A third step of generating a disposable authentication code for authenticating validity;
A fourth step of the operating server storing the transaction registration information, the UGID, and the authentication code in association with each other;
A fifth step in which the operating server provides the UGID and the authentication code to the merchant terminal;
The operating server transmits an operation signal from an authentication server associated with a payment application driven in the user wireless terminal through a designated operating application of the user wireless terminal that receives the sound wave transmitted from the user through the sound wave device at the affiliate shop, A sixth step of reading and recognizing the sound wave signal from the app and receiving recognition information including a UGID and an authentication code transmitted to the payment application;
The operation server reads the UGID corresponding to the recognition information and uniquely identifies the merchant having the sound wave device, and at the same time identifies a transaction registration information that is uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant A seventh step of confirming the information and performing an authentication procedure for authenticating the validity of the transaction registration information confirmed through the authentication code; And
An operation server providing authentication result information of an authentication procedure using the UGID and an authentication code to the authentication server;
A ninth step of confirming settlement result information in which the operation server processed the settlement and generating a transaction account history including a settlement result of the settlement result information in a specified structure that can be block chained by the block chain algorithm; And
And 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 the specific transaction identified through the UGID. The asynchronous reverse payment method based on an application interlock using a sound wave 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 external block chain network capable of interlocking 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 sound wave device and a block chain.
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 together. The asynchronous reverse payment method based on an application linkage using a sound wave 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 app linkage using sound wave 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- Asynchronous reverse payment method based on app linkage using sound wave device and 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, Wherein the first step is a step of transmitting the second signal to the second device.
The method as claimed in claim 1,
(M &gt; = 2) pieces of information included in the payment result information, and generating a transaction ledger description including m (1 &lt; = m & Asynchronous reverse payment method 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 transaction detail records 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 transaction history data including (mj) pieces of publicly available information and the generated hash information included in the payment result information. The apparatus as claimed in 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 based on an application interlock using a sound wave device and a block chain.
2. The method of claim 1,
And transmitting the generated transaction ledger information to the block chain network to perform a block chaining procedure. The asynchronous reverse billing method based on an application interlocking method using a sound wave device and a block chain.
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 And generating a specified number of dummy transaction history details for broadcasting to the block chain network. The method as claimed in claim 1, further comprising:
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 And determining whether the data is distributed and stored in the node devices. The asynchronous reverse payment method based on the application interlocking using the sound wave device and the block chain.

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