KR20190083277A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Radio Signal Device and Cryptocurrency - Google Patents

Abstract

The present invention relates to an application interworking-based asynchronous reverse payment method using a wireless device and cryptocurrency, capable of solving various technical and/or security defects, which comprises: a first step of receiving one time identification (OTID) by an operating server; a second step of associating and storing transaction registration information and the OTID by the operating server; a third step of receiving recognition information by the operating server; a fourth step of performing an authentication procedure by the operating server; a fifth step of providing authentication result information by the operating server; a sixth step of confirming a result of a cryptocurrency transaction procedure; and a seventh step of providing cryptocurrency-based payment result information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asynchronous reverse payment method based on an application-

When registering transaction registration information including amount information for reverse payment from a merchant terminal having a wireless device for transmitting a designated radio signal, it is possible to uniquely identify a merchant having the wireless device separately, One-time OTID (One Time IDentification) generated through the merchant terminal is received and mapped with the transaction registration information to uniquely identify the specific transaction corresponding to the transaction registration information for at least a predetermined time, The mobile terminal reads and recognizes the radio signal from the authentication server connected to the payment application running in the user wireless terminal through the operating app of the user wireless terminal that receives the wireless signal transmitted from the wireless device at the merchant point Receiving the identification information including the OTID transmitted to the payment application, And when a specific transaction corresponding to a transaction registration information is identified, the authentication server provides the authentication result using the OTID to the authentication server, so as to allow the authentication server to perform the payment of the specific transaction identified through the OTID And transmits the decrypted money to the designated payment server for processing. In the case where the user wireless terminal requests payment using blockchain-based encrypted money, the user decides to use the encrypted money as the payment means.

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

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

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

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

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

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

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

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

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

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

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

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

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

An object of the present invention to overcome the above problems is to provide a merchant terminal having a wireless device for transmitting a designated radio signal, when registering transaction registration information including amount information for reverse payment, And a disposable OTID (One Time IDentification) generated through the merchant terminal in order to uniquely identify a specific transaction corresponding to the transaction registration information at least for a predetermined period of time, From the authentication server associated with the payment application driven in the user wireless terminal through the operating application of the user wireless terminal that has received the wireless signal transmitted from the wireless device at the merchant registering the transaction registration information in the short distance, After reading and recognizing the wireless signal from the app and including the OTID delivered to the payment application Receives the identification information, identifies and authenticates the merchant having the wireless device, and provides a result of authentication using the OTID to the authentication server when a specific transaction corresponding to the transaction registration information is identified, And transmits the coded money to the payment server when the user wireless terminal requests payment using blockchain-based coded money by causing the user wireless terminal to relay the payment procedure of the specific transaction identified through the OTID to the designated payment server The present invention also provides an asynchronous reverse payment method based on an application interlocking operation using a password.

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

An asynchronous reverse payment method based on an application linkage using a wireless device and a cipher system according to the present invention is a method for communicating with a merchant terminal operated by an affiliated store having a wireless device transmitting a designated wireless signal and communicating with a user wireless terminal visited at an affiliated store The method comprising: receiving, by the operation server, transaction registration information including amount information from an affiliate shop terminal operated by an affiliated store having the wireless device; A first step of receiving an OTID (One Time IDentification) generated through the merchant terminal in order to uniquely identify a specific transaction corresponding to the transaction registration information at least for a predetermined period of time; A second step of associating and storing the registration information with the OTID, The operating server transmits the wireless signal transmitted from the wireless terminal at the merchant's location to the authentication server connected to the payment application running in the user wireless terminal through the designated operating application of the user wireless terminal, A third step of reading out the wireless signal from the operating app and receiving recognition information including an OTID transmitted to the payment application after the recognition of the wireless signal; and a third step of the operating server reading the received OTID, A fourth step of authenticating the unique identification and performing an authentication procedure for identifying any transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identified and authenticated merchant, A fifth step of providing authentication result information of an authentication procedure using the OTID, (N < = N >) of the N (1 ≤ N ≤ N) cipher based on the chain, and confirms the user's cipher account of the n & A cryptographic currency transaction procedure for transferring the unit of the unit for payment for settlement from the user's cryptographic account of the n-th cipher system to the designated cipher system for payment is performed through the n-block chain network And a sixth step of confirming the result of the cipher transaction procedure performed through the designated payment server and the sixth step of providing the cipher-based payment result information for the cipher transaction procedure to the user wireless terminal and the merchant- Wherein the authentication result information is used to execute a settlement procedure of a specific transaction identified through the OTID.

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

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

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, an asynchronous reverse payment method based on an interlocking of an application using a cryptographic currency is provided. The cryptographic currency corresponding to the cryptographic currency block stored in a designated block storage area is checked for exchange rate information for exchange, In a storage area.

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

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

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

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

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

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

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

The present invention relates to an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cryptographic currency according to the present invention, the method comprising the steps of: A valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic currency account using at least one of a cryptographic currency unit included in the undisplayed cryptographic currency transaction history and an encrypted currency unit held in the user's cryptographic currency account And performing a password validation authentication procedure including a procedure for authenticating whether or not the user possesses a password.

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

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

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

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

In an asynchronous reverse payment method based on an application interlocking system using a wireless device and a cipher system according to the present invention, the seventh step comprises: broadcasting the transaction details of the payment password transaction to the n-th block chain network, And providing settlement result information including the result of the password-based settlement approval for the money transaction procedure to the user wireless terminal and the affiliate shop terminal.

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

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

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

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.
8 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a process of performing an inverse payment procedure according to a first embodiment of the present invention.
FIG. 10 is a diagram illustrating a process of performing a reverse payment procedure according to a second embodiment of the present invention.
11 is a diagram illustrating a process of performing a reverse payment procedure according to a third embodiment of the present invention.
12 is a diagram illustrating a reverse payment approval process according to an embodiment of the present invention.
13 is a diagram showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.
FIG. 14 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on a block-chain network according to an embodiment of the present invention.
15 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.
FIG. 16 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.
FIG. 17 is a flowchart illustrating a process for confirming a settlement based on a password according to an embodiment of the present invention.
FIG. 18 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.
FIG. 19 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

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

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

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

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

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

In more detail, FIG. 1 shows the wireless device 360 when registering transaction registration information including amount information for reverse payment from a merchant terminal 300 having a wireless device 360 for transmitting a designated wireless signal (One Time IDentification) generated through the merchant terminal 300 to uniquely identify one merchant separately and to uniquely identify a specific transaction corresponding to the transaction registration information at least for a predetermined period of time And receives the wireless signal transmitted from the affiliated store wireless device 360 registered in the transaction registration information to the user wireless terminal 400 through the operational application 420 of the user wireless terminal 400, From the authentication server 100 associated with the payment application 450 that is driven in the payment application 400, the wireless signal is read and recognized by the operating application 420 and then transmitted to the payment application 450 OTID to identify and authenticate a merchant having the wireless device (360), and when a specific transaction corresponding to a transaction registration information is identified, the authentication server (100) uses the OTID And provides the authentication result to the authentication server 100 to relay the payment procedure of the specific transaction identified through the OTID to the designated payment server 105 and to process the block transaction in the block chain in the user wireless terminal 400. [ Based cipher system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the following description, (E.g., some of the components are omitted), and / or modified by the merchant's point-of-sale wireless device 360 The present invention is not limited to the above-described embodiments, and various modifications may be made without departing from the scope of the present invention.

The system of the present invention is characterized in that a franchisee having a franchise shop terminal 300 operated by an affiliated shop having a wireless device 360 for transmitting a designated wireless signal and a wireless device 360 transmitting a designated wireless signal is distinguished Side wireless device 360 for transmitting a wireless signal including the OTID dynamically generated in a disposable fashion to a unique location for uniquely identifying a specific transaction of the franchisee at least for a certain period of time at a short distance; 360), and a payment application (450) for performing a payment procedure for a specific transaction identified through the OTID, and an installable application (450) An authentication server 100 communicable with a merchant terminal 300 operated by each merchant and associated with a payment application 450 of the user wireless terminal 400, An authentication server 100 interlocked with the payment application 450 of the user wireless terminal 400 and operating in conjunction with the operation server 200 and having an operation server 200 connected to the payment server 300, And a payment server 105 for performing a server-side payment procedure corresponding to a payment procedure performed through the payment application 450. Meanwhile, when the user wireless terminal 400 requests the payment using the blockchain-based cipher system from the user wireless terminal 400, at least one (or two) of the operation server 200 and the payment server 105 ) Performs a cryptogram transaction procedure for making a payment using the cryptogram as a payment means, and a preferred embodiment thereof will be described with reference to FIG. 13 below.

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

According to the embodiment of the present invention, the franchise-point-side terminal 300 can communicate with the operation server 200 through a communication network, and the franchise-point-side terminal 300 for the reverse payment based on the franchise- ) Is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant terminal 300 as a main body is implemented through the merchant application 320.

An affiliate shop wireless device 360 that transmits a wireless signal designated to an affiliate shop operating the affiliate shop terminal 300 is provided and an affiliate shop application 320 specified in the affiliate shop terminal 300 of the affiliate shop is installed , The franchise-point-side terminal 300 can perform a predetermined information registration procedure for the reverse payment using the franchise-point-side wireless device 360.

According to the method of the present invention, the merchant-point-side terminal 300 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / ) Can be transmitted and registered. On the other hand, the merchant-point-side terminal 300 stores the merchant information given to the merchant for a predetermined settlement (for example, a forward payment for transferring the specialties to the card company via the VAN from the merchant terminal) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the franchise-point-side terminal 300 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 300 among the terminals provided at the franchisee, information given to the franchise terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The franchise-point-side terminal 300 includes a separate inherent code (e.g., a unique code that uniquely identifies a franchisee having a wireless device 360 that transmits a designated radio signal, and / A unique code that uniquely identifies the merchant terminal 300 separately operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the wireless device 360 that transmits the designated wireless signal to the merchant ), And can process the specific code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the unique code may include a code value assigned to the merchant that is determined to be unique so as to uniquely identify the merchant having the wireless device 360. (For example, merchant point information such as a merchant point number for (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant store is transmitted to the merchant 360, The unique code is provided with the wireless device 360 at the merchant so that the merchant having the wireless device 360 can be separately identified by uniquely identifying the merchant And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 300 of the merchant having the wireless device 360 . If the merchant terminal 300 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal is information provided only to identify the merchant terminal regardless of whether the merchant is equipped with the wireless device 360. On the other hand, The unique code includes the wireless device 360 at an affiliated store so that a unique code value that is determined in a non-redundant manner to separately identify the affiliated store terminal 300 provided at an affiliated store having the wireless device 360 . ≪ / RTI >

According to the third specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the wireless device 360 at the merchant. The wireless device 360 provided at the merchant may be assigned a unique code value that is not redundant to uniquely identify the wireless device 360. In this case, The franchisee having the merchant 360 can be used as a unique code that uniquely identifies the franchisee.

According to a fourth inherent code embodiment of the present invention, the inherent code may comprise a code that at least partially combines at least two of the first through third inherent code embodiments, It is not limited. That is, it is clear that the unique code of the present invention belongs to the scope of the present invention, whatever code is not duplicated in order to uniquely identify the wireless device 360.

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

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

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

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

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

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

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

According to the 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 Side wireless device 360 associated with the mobile terminal 300) in a designated storage area (but may be omitted if stored in advance).

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

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

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

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

Meanwhile, at a specified point in time before, during, and after the transaction registration information is registered in the operation server 200, the franchisee-side terminal 300 separately identifies the franchisee having the wireless device 360 separately At the same time, an OTID (One Time IDentification) for uniquely identifying a specific transaction corresponding to the transaction registration information at least for a predetermined time is generated.

According to the method of the present invention, the merchant terminal 300 identifies a unique code that uniquely identifies a merchant having the wireless device 360 separately, and reads the unique code only through a specified device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. In other words, the OTID of the present invention has a unique identification that uniquely identifies a franchisee having the wireless device 360, and at the same time, the OTID of the present invention has a unique identification that uniquely identifies a particular transaction corresponding to specific transaction registration information And has an identifiability.

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

According to the first OTID generation embodiment of the present invention, the franchise-point-side terminal 300 confirms a unique code for separately identifying a franchisee having the wireless device 360 and time information read according to a specified rule, And can generate a disposable OTID concealing the inherent code by using the inherent code and time information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the second OTID generation embodiment of the present invention, the merchant-point-side terminal 300 confirms a unique code that uniquely identifies a merchant having the wireless device 360 and random number information generated through a specified algorithm And generating a disposable OTID hidden from the inherent code by using the inherent code and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the third OTID generation embodiment of the present invention, the merchant-point-side terminal 300 includes a unique code for separately identifying a merchant having the wireless device 360, time information read according to a specified rule, And performing a specified encoding procedure by using the unique 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 a designated code system, One disposable OTID can be created. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

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

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

According to the sixth OTID generation embodiment of the present invention, the franchise-point-side terminal 300 can acquire the unique code by at least partially combining at least two embodiments among the first to fifth OTID generation embodiments It is possible to generate a hidden disposable OTID, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, the merchant terminal 300 includes (or hides) a temporary unique code determined not to be duplicated for a predetermined period of time without hiding the unique code, It is possible to generate an OTID in the form of a code value that uniquely identifies a franchisee and uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time, and thus the present invention is not limited thereto.

When the OTID is generated through at least one of the first to sixth OTID generation embodiments, the merchant terminal 300 can transmit the generated OTID to the operation server 200. [ The merchant terminal 300 may transmit the transaction registration information and the OTID together to the operation server 200, or sequentially transmit the transaction registration information and the OTID according to a designated procedure, thereby not limiting the present invention.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Meanwhile, according to another embodiment of the present invention, the disposable code may be dynamically generated through the merchant-side wireless device 360 (in this case, the merchant-point-side terminal 300 transmits, via the merchant- The franchise point side terminal 300 can provide the OTID to the designated franchise point wireless device 360. In this case, the franchise point side terminal 300 can provide the OTID to the designated franchise point wireless device 360 The merchant wireless device 360 dynamically generates the one-time code of the designated code system by substituting the designated seed values into the designated code generation algorithm, and then stores the OTID, the disposable code and transaction information within the valid time of the OTID It is possible to transmit a radio signal. According to the embodiment, the merchant terminal 300 provides transaction information including the transaction amount corresponding to the amount information and the merchant information to the merchant-side wireless device 360, Through the device 360, the wireless signal including the OTID and the transaction information and the disposable code generated via the wireless device 360. [ Hereinafter, features of the present invention will be described, focusing on an embodiment in which a wireless signal including the OTID, the disposable code, and transaction information is transmitted through the merchant-side wireless device 360 for convenience.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

And authenticates the franchisee having the wireless device 360 through the OTID included in the identification information, and authenticates the franchisee with the transaction registration information that is uniquely identified through the OTID among the transaction registration information registered in the identification and authenticated merchant And if the authentication procedure for authenticating the disposable code included in the recognition information is further performed according to the method of operation, the operation server 200 notifies the authentication of the authentication procedure performed using the recognition information And transmits the authentication result information to the authentication server 100.

Meanwhile, according to the extended method of the present invention, when the authentication procedure performed using the recognition information is authenticated, the operation server 200 determines a transaction amount corresponding to one transaction registration information identified through the authentication procedure , An amount including the amount information of the transaction registration information as it is, or an amount calculated based on the amount information of the transaction registration information (for example, discounted by applying the discount information)) and information necessary for the payment processing (for example, Etc.) to the authentication server 100, and thus the present invention is not limited thereto. The transaction information provided from the operation server 200 is provided to the payment application 450 of the user wireless terminal 400 and displayed on the screen and / or relayed to the payment server 105 designated by the authentication server 100 Be processed for use in the payment procedure.

According to the first payment procedure embodiment of the present invention, the payment application 450 of the user wireless terminal 400 transmits the recognition information to the authentication server 100, (Or payment request information including the transaction information and the payment means information (or the payment means identifier for identifying the payment means information registered on the server side) to the authentication server 100, So that the authentication server 100 can process the payment procedure for the transaction information to the designated payment server 105 based on the authentication result information received from the operation server 200. [ For example, when the transaction information transmitted from the operational application 420 is displayed through the designated payment interface, the payment application 450 may transmit the recognition information and the transaction information Or the settlement request information generated through the terminal-side settlement procedure) to the authentication server 100. The authentication server 100 transmits the authentication information to the operation server 200, Upon receiving the result information, the authentication server 100 relays the transaction information (or the payment request information) to the designated payment server 105 based on the authentication result information received from the operation server 200, Side settlement procedure associated with the terminal-side settlement procedure through the server 105. [

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

According to the second payment procedure embodiment of the present invention, the payment application 450 of the user wireless terminal 400 transmits the recognition information to the authentication server 100, And may receive the authentication result information provided from the operation server 200 from the authentication server 100. [ The payment application 450 reads the authentication result information and performs the designated terminal side settlement procedure at the time of successful authentication (but before outputting the recognition information to the authentication server 100, the payment application 450 outputs the transaction information to the payment interface, (Or payment request information including the transaction information and the payment means information (or the payment means identifier that identifies the payment means information registered on the server side) in association with the transaction information To the authentication server 100. The authentication server 100 receives the transaction information (or payment request information) from the payment application 450 and relays the transaction information to the designated payment server 105, Side settlement procedure associated with the terminal-side settlement procedure is performed through the terminal-side settlement procedure. Meanwhile, the payment application 450 can directly transmit the transaction information (or payment request information) to the designated payment server 105 according to the embodiment, and thus the present invention is not limited thereto.

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

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

The payment server 105 receives the transaction information (or payment request information) from the authentication server 100 (or the payment application 450) and transmits the transaction information (or the payment request information) to the payment server 450 (For example, a process of extracting a registered payment means to approve payment to transaction information, or a process of requesting payment approval to a financial company server, etc.).

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

The operation server 200 or the payment server 105 confirms the payment result information including the settlement result of the settlement procedure including the server-side settlement procedure (for example, payment approval or settlement error) And provides the payment result information to the authentication server 100 (or the payment application 450), and the authentication server 100 provides the payment result information to the payment application 450 and / ), And the operation server 200 can provide the payment result information to the designated merchant-point-side 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 > and / or < / RTI > may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG.

The operation server 200 according to the embodiment of the present invention can operate in cooperation with the payment application 450 installed in the user wireless terminal 400 and can operate the merchant terminal 300 operated by the merchant having the wireless device 360, And can interoperate with the authentication server 100 associated with the payment application 450. Meanwhile, the operation server 200 can be linked with the payment server 105 on the designated payment system according to the embodiment, and thus the present invention is not limited thereto. For the sake of convenience, FIG. 2 illustrates an embodiment of an operation server 200 having a configuration for reverse payment, and an embodiment using the encrypted money as a payment means will be described with reference to FIG. 13 below.

Referring to FIG. 2, the operation server 200 includes an agent store registration information for an affiliated store having a wireless device 360, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among terminal information or registering a unique code for separately identifying a merchant having the wireless device 360 and storing the unique code in association with the merchant- Respectively.

The merchant registration information for the merchant, the merchant information given to the merchant for settlement, the merchant information on the merchant-side terminal 300 (or a separate operating terminal) having the wireless device 360, , The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 300 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device 360. [

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

Meanwhile, when the one-time use code is generated and authenticated during the reverse payment of the merchant having the wireless device 360, the merchant terminal 300 transmits seed information related to the seed value for generating / authenticating the one- And the information storage unit 205 stores the seed value required for generating and authenticating the one-time use code with the merchant terminal 300 (or the merchant wireless device 360 via the merchant terminal 300) Exchanges / shares seed information for determination, and stores the exchanged / shared seed information in a designated storage medium. Preferably, the seed information may be stored in association with the unique code, and / or stored in association with the merchant-related information.

Referring to FIG. 2, the operation server 200 includes a transaction registration receiving unit 210 receiving transaction registration information including amount information from an affiliate shop terminal 300 operated by an affiliated store including the wireless device 360 And an OTID that uniquely identifies a franchisee including the radio device 360 from the franchise point side terminal 300 and uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined period of time A transaction registration management unit 220 for storing the transaction registration information and the OTID in association with each other, a registering unit 220 for registering the transaction registration information and the OTID in association with the OTID receiving unit 215, And a result providing unit 225.

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

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

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

The merchant terminal 300 operated by an affiliated store having the wireless device 360 separately identifies a merchant having the wireless device 360 and at the same time stores a specific transaction corresponding to the transaction registration information for at least a certain period of time The OTID receiving unit 215 receives the OTID from the franchise-side terminal 300 when the generated OTID is generated.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

An authentication procedure for authenticating a franchisee having the wireless device 360 through the OTID and a transaction registration information uniquely identified for a predetermined time through the OTID among the transaction registration information registered at the identified and authenticated merchant When the authentication procedure for identifying and verifying the validity of the disposable code is performed in accordance with the method of performing the authentication, the authentication result providing unit 245 generates the authentication result using the information included in the identification information, And provides the authentication result information including the authentication result for the authentication procedure to the authentication server 100 that has transmitted the recognition information.

Meanwhile, according to the extended method of the present invention, the authentication result providing unit 245 confirms the amount information of the transaction registration information confirmed at the time of successful authentication of the authentication procedure, 400, configures transaction information including the calculated / verified transaction amount, and provides the transaction information together with the authentication result information to the authentication server 100. By this, The present invention is not limited thereto.

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

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

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

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

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

The settlement result processing unit 250 receives the settlement result information from the authentication server 100 (or the settlement server 105 or the like), and stores the transaction registration information corresponding to the settlement result information in the merchant terminal 300, To provide the settlement result information. Meanwhile, the payment result processing unit 355 (250) can receive the payment result information from the payment application 450 of the user wireless terminal 400 according to the embodiment, and thus the present invention is not limited thereto.

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

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

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

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

The merchant terminal 300 installs a designated merchant'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 wireless device 360 And an information registration unit 325 for registering a unique code which is separately distinguished.

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

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

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

Referring to FIG. 3, the merchant application 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 transaction information, and an OTID for uniquely identifying a franchisee including the radio device 360 and uniquely identifying a specific transaction corresponding to the transaction registration information for at least a predetermined period of time And an OTID registration unit 340 for registering the generated OTID to the designated operation server 200 and registering the created OTID to the designated operation server 200. The OTID registration unit 340 identifies the merchant And a code generation unit 345 for generating a one-time code including a code value of a designated code system for authenticating the validity of the transaction registration information identified during a certain period of time through the OTID.

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

The OTID generating unit 335 generates the first to sixth OTIDs of the present invention at a specified point in time before, during, and after the transaction registration unit 330 transmits the transaction registration information to the operation server 200 In accordance with at least one embodiment of the present invention, identifies a franchisee having the wireless device 360 separately and generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information uniquely for a predetermined period of time . Preferably, the OTID may be generated in a disposable manner to hide the designated unique code so that it can be read only through a predetermined specific device / server, and at the same time to have a different code value for each transaction corresponding to the transaction registration information.

According to the embodiment of the present invention, the OTID generator 335 identifies a unique code that uniquely identifies a merchant having the wireless device 360 separately, and reads the unique code only through a specified specific device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. Preferably, the OTID generator 335 may generate a disposable OTID hidden from the inherent code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only uniqueness that identifies a particular object, identification that identifies a particular object, one-off that identifies a particular transaction for a period of time, etc., as well as multiple identities that simultaneously identify a particular transaction with a merchant with the wireless device 360, .

Meanwhile, according to another embodiment of the present invention, the OTID generator 335 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the wireless device 360 ), And at the same time, an OTID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time can be generated, so that the present invention is not limited thereto .

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

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

Referring to FIG. 3, a merchant application 320 of the merchant terminal 300 receives a radio signal including the OTID from a merchant point wireless device 360 connected to the interface unit 310, And a result processing unit 355 that receives the settlement result information from the operation server 200 and outputs the settlement result information.

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

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

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

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

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

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

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

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

Referring to FIG. 3, the merchant-side wireless device 360 includes an information checking unit 370 for checking an OTID to be transmitted through a radio signal of a designated radio signal standard, And a signal transmission unit 380 for transmitting a radio signal including the transmission information configured through the radio signal unit 368

The information confirming unit 370 interlocks with the merchant terminal 300 through the terminal interlocking unit 364 and confirms the OTID to be transmitted through the wireless signal. Meanwhile, the information confirming unit 370 may check the disposable code to be transmitted through the wireless signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364, or may transmit the disposable code through the wireless signal You can generate one-off codes to do.

The information constructing unit 375 constructs transmission information including the identified OTID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ If the disposable code is confirmed / created through the information checking unit 370, the information configuring unit 375 transmits the discovery code to the identified OTID information structure, which is readable by the operating app 420 of the user wireless terminal 400, And dispatch information including a disposable code. Hereinafter, characteristics of the present invention will be described focusing on an embodiment in which OTID and disposable code are included in the transmission information.

When the transmission information including the OTID and the disposable code is configured through the information configuration unit 375, the signal transmission unit 380 transmits the designated radio signal standard including the transmission information through the radio signal unit 368 (For example, a signal strength that can be received through the wireless terminal 400 within a specified distance), and the wireless signal unit 368 is configured to transmit the wireless signal of the signal transmission unit 380 Transmits the radio signal of the specified radio signal standard including the transmission information provided by the radio base station.

Meanwhile, according to one embodiment of the present invention, the operating application 420 executed in the user wireless terminal 400 can transmit a request signal for requesting the wireless signal, and the wireless signal unit 368 transmits the request And provides the obtained data to the device control unit 362. The device control unit 362 controls to check the OTID and the disposable code through the information verification unit 370 according to the request signal , And / or controls the information forming unit (375) to configure the transmission information including the OTID and the disposable code, and / or controls the signal transmission unit (380) to transmit the radio signal including the transmission information So that the radio signal corresponding to the request signal is transmitted, so that the present invention is not limited thereto.

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

4 shows a functional configuration of the operating app 420 and the payment app 450 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional description of the present invention Those skilled in the art will be able to refer to and / or modify the FIG. 4 to derive various implementations of the functionality of the wireless terminal 400, but the present invention includes all of the above- And the technical features thereof are not limited only by the method shown in FIG. Preferably, the wireless terminal 400 of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

FIG. 5 is a diagram illustrating an information registration process according to an embodiment of the present invention.

More specifically, FIG. 5 shows an embodiment of an information registration process for reverse payment using a wireless device 360 provided at an affiliate shop. It should be understood by those skilled in the art that, It is possible to refer to and / or modify FIG. 5 to derive various implementations of the information registration process (e.g., omitting some steps or changing the order), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

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

Meanwhile, the merchant terminal 300 of the merchant having the wireless device 360 requests the designated operating server 200 to register a unique code that uniquely identifies the merchant having the wireless device 360 (510) , The operating server 200 may be configured to perform at least one of the first to sixth inherent code checking embodiments corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code checking embodiments of the present invention The unique code is checked (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

Meanwhile, when the merchant having the wireless device 360 generates the one-time code during the reverse payment using the wireless device 360, the merchant-side terminal 300 transmits seed information for generation / authentication of the one- (Step 525), and the operating server 200 confirms seed information for confirming / determining the seed value necessary for authenticating the one-time code to be generated during the reverse-based settlement based on the wireless device 360 (step 530) . If the seed information is confirmed, the operation server 200 associates the unique code (or merchant-related information) with the seed information and stores it in a designated storage medium (535).

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

In more detail, FIG. 6 shows a case where a merchant terminal 300 operated by a merchant having a wireless device 360 requests transaction registration information including amount information for reverse payment to be registered in the operation server 200, Side terminal 300 to register with the operation server 200, the operation server 200 registers the transaction registration information and the OTID in association with each other, and then transmits the OTID to the merchant wireless terminal 200 6 is a block diagram illustrating an example of a process of transmitting a reverse signal to be included in a radio signal transmitted from a device 360. Referring to FIG. 6 and / (For example, some steps may be omitted or an order change may be performed) for the transaction registration or the reverse OTID delivery process, The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention.

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

The operation server 200 receives transaction registration information including the amount information from the merchant terminal 300 and stores the transaction registration information in operation 610. On the other hand, the merchant terminal 300 has the wireless device 360 and confirms a unique code that uniquely identifies the merchant registering the transaction registration information (615). On the other hand, in the embodiment in which the franchisee having the wireless device 360 is not provided with a unique code, the franchise-side terminal 300 can generate the OTID through the embodiment of FIG.

If the unique code identifying the franchisee that has the wireless device 360 and registered the transaction registration information is identified, the franchisee-side terminal 300 can only read the identified unique code through the specified specific device / server And identifies the merchant having the wireless device 360, and generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined time (620). Preferably, the franchise-point-side terminal 300 uniquely identifies a franchisee having the wireless device 360 through at least one of the first through sixth OTID generation embodiments of the present invention, An OTID may be generated 620 that uniquely identifies a particular transaction corresponding to the information for at least a certain period of time.

If the OTID is generated, the merchant terminal 300 requests the OTID registration to the operation server 200 (625), and the operation server 200 receives the OTID from the merchant terminal 300 (630), stores the transaction registration information and the OTID in association with the specified storage medium (635), and transmits the registration result including the registration result registering the transaction registration information and the OTID to the merchant terminal (300) Information is transmitted (640).

The franchisee-side terminal 300 receives the registration result information from the operation server 200 (645), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, and identifies (650) a disposable code of a designated code scheme for authenticating a transaction (for example, transaction registration information registered at an affiliation shop having an object (for example, a merchant with wireless device 360 and / or a wireless device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-off code is generated, the merchant terminal 300 transmits the OTID, the disposable code, and the transaction registered in the operation server 200 through the merchant-point-side wireless device 360 associated with the merchant- (655), the merchant-side wireless device (360) confirms (660) the OTID and the disposable code and transaction information to be transmitted through the designated wireless signal, Configures (665) transmission information including the OTID, the disposable code, and transaction information in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) (665) The wireless signal transmitted from the wireless device 360 is received by the user wireless terminal 400 at a short distance.

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

In more detail, FIG. 7 is a flowchart illustrating a process of requesting registration of transaction registration information including amount information for reverse payment from the merchant terminal 300 operated by an affiliated store having a wireless device 360 to the operation server 200, Side wireless device 360 transmits the OTID to the operation server 200 after registering the transaction registration information and the OTID in the operational server 200 in association with the OTID and transmitting the OTID from the merchant- The present invention is not limited to the above embodiments and can be modified and / or modified according to the present invention so that the transaction registration or the reverse OTID It will be appreciated that various implementations of the propagation process may be inferred (e.g., some steps omitted, or alternate implementations) Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

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

The operation server 200 receives transaction registration information including the money amount information from the merchant terminal 300 and stores the transaction registration information in operation 710. On the other hand, the merchant terminal 300 includes the wireless device 360 and uniquely identifies a merchant registering the transaction registration information, and uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined period of time OTID is generated (715). Preferably, the franchise-point-side terminal 300 separately identifies a franchisee having the wireless device 360 by including (or hiding) a temporary unique code determined not to be duplicated for a predetermined period of time, An OTID can be generated 715 that uniquely identifies the corresponding specific transaction for at least a certain period of time.

If the OTID is generated, the merchant terminal 300 requests registration of the OTID to the operation server 200 at step 720, and the operation server 200 receives the OTID from the merchant terminal 300 (725), stores the transaction registration information in association with the OTID and stores the transaction registration information in a designated storage medium (730), and transmits the registration result including the registration result in which the transaction registration information and the OTID are registered in association with the merchant terminal Information is transmitted (735).

The merchant terminal 300 receives the registration result information from the operation server 200 in operation 740 and substitutes a seed value determined and determined through the designated seed information into a designated code generation algorithm to identify (745) a one-time code of a specified code system for authenticating a transaction (for example, transaction registration information registered at a merchant having an object (for example, a merchant having the wireless device 360 and / or a wireless device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the merchant-side wireless device 360, and thus the present invention is not limited thereto.

If the one-off code is generated, the merchant terminal 300 transmits the OTID, the disposable code, and the transaction registered in the operation server 200 through the merchant-point-side wireless device 360 associated with the merchant- (750), the merchant-side wireless device (360) confirms (755) the OTID and the disposable code and transaction information to be transmitted through the designated wireless signal, (760) the sending information including the OTID, the disposable code and the transaction information in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) The wireless signal transmitted from the wireless device 360 is received by the user wireless terminal 400 in the vicinity.

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

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

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

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

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

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

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

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

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

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

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

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (950).

If the validity of the disposable code is not authenticated, the operation server 200 provides the authentication server 100 with an authentication error for the disposable code included in the identification information (935) The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 940. The payment application 450 of the user wireless terminal 400 receives and outputs the authentication error in step 945, .

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

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

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

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

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

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

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

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

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (1045).

If the validity of the disposable code is not authenticated, the operation server 200 provides the authentication server 100 with an authentication error for the disposable code included in the identification information 1030, The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1035 and receives the authentication error in step 1040, .

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

The operation server 200 composes authentication result information using the recognition information and transmits the authentication result information to the authentication server 100 that has transmitted the recognition information in operation 1060, The payment application 450 receives the authentication result information from the operation server 200 and transmits the authentication result information to the payment application 450 in operation 1065. The payment application 450 receives the authentication result information from the authentication server 100 in operation 1070.

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

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

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

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

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

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

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

Meanwhile, when the franchisee having the wireless device 360 is authenticated and authenticated through the OTID included in the identification information, and the disposable code is included in the identification information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code registered in association with the unique code read from the OTID (or the merchant-related information of the identified and authenticated merchant) (1145).

If the validity of the disposable code is not authenticated, the operation server 200 provides the authentication server 100 with an authentication error for the disposable code included in the identification information 1130, The payment application 450 of the user wireless terminal 400 relays the authentication error to the payment application 450 of the user wireless terminal 400 in step 1135 and receives the authentication error in step 1140, .

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

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

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

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

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

Referring to FIG. 12, when the transaction information (or the payment request information) to be processed by the payment server 105 is relayed through at least one of the processes of FIGS. 9 to 11, (Or settlement request information) to be subjected to settlement processing via the designated path (1200). If the transaction information (or the payment request information) is received, it is checked from the user whether payment processing using the real money based payment means is requested for the payment information (1203), and whether payment processing using the encrypted money is requested (1203). If the settlement-based settlement is requested for the settlement information, the user's wireless terminal 400 may request a settlement-based settlement to the operation server 200 and / or the settlement server 105, An example is shown in Figs. 13 to 19.

On the other hand, when the real money based settlement processing for the settlement information is requested, the payment server 105 performs a specified server-side settlement procedure for the transaction information (or the settlement request information) (1205) (Or the payment request information) is confirmed (step 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 showing a configuration of a system for making settlement using a cipher money according to an embodiment of the present invention.

In more detail, FIG. 13 shows a configuration of a system for processing payment using the cipher money as a payment means when settlement using a block chain-based cipher system is requested by the user wireless terminal 400, Those skilled in the art will be able to refer to and / or modify this FIG. 13 to illustrate various implementations of the system (e.g., some of the components may be omitted, or broken down, or combined) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

According to the embodiment of the present invention, when the user wireless terminal 400 requests the payment using the block-chain-based cipher system, the procedure for processing the payment using the block-chain-based cipher system as the payment means is performed by the operation server 200 And can be implemented through the payment server 105. For the sake of convenience, FIG. 13 shows an embodiment in which a settlement is processed using the block-chain-based cryptogram as a payment means in the operation server 200 However, the present invention is not limited thereto. The present invention is not limited to this, and the present invention can be applied to a case where a transaction is processed using a block-chain-based password as a payment means in an operation server 200 and / It is clear that the configuration is possible.

Referring to FIG. 13, the operation server 200 (or the payment server 105) includes N block chain networks 1300 implementing N (N? 1) cipher systems implemented on a block chain basis A crypto-money block storage unit 1310 for storing a ciphertext block including blocks ciphered or generated according to a block-chaining algorithm implemented in the block-chain algorithm and storing the decrypted ciphertext block in a designated block storage area; And a crypto-money block updating unit 1315 for performing a process of confirming a new block to be newly generated or agreed upon in accordance with the block-chain algorithm implemented on the block-by-block algorithm and chaining the new block to a cryptographic block stored in a designated block storage area.

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

According to the embodiment of the present invention, since the block chain algorithm is implemented in a P2P (peer-to-peer) scheme rather than a server-centric scheme, a block-chain network 1300 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 1300 and is referred to as a 'node device 1305'.

Meanwhile, the block-chain network 1300 includes a private block-chain network 1300 that includes a public block-chain network 1300 to which anyone can participate, or a limited (or pre-authenticated) According to an embodiment of the present invention, the block-chaining algorithm may include a hybrid block-chain network 1300 that partially mixes the characteristics of the public block-chain network 1300 and the private-block-chain network 1300 .

According to an embodiment of the present invention, a node device 1305 on a block-chained network 1300 is connected to a cipher-key network 1300 generated on a specified block-chain network 1300 based on a block- A function of storing a block in a designated storage area, a function of collecting encrypted money transaction details broadcasted in a designated block chain network 1300, a function of forming a block by blocking the collected specified number of encrypted money transaction details, A function of generating at least one hash value for chaining the configured block, and a valid block-chain verification value (e.g., POW (Proof-Of-Work), POS (Proof- Of-Stake), CBB (Consensus-By-Bet)) to generate a new block, a function of requesting the other node device 1305 to settle the newly generated block A function of verifying the block chain validity of the block requested to be concluded on the basis of the block chain verification value included in the block requested to be concluded from the node device 1305, A block chain program that performs the functions defined in the block chain algorithm implemented on the block chain network 1300 is installed and all the node devices 1305 operating on the specific block chain network 1300 execute the same block It is preferable that the same version of the block chain program to which the chain algorithm is applied is executed.

According to the present invention, the operating server 200 (or the payment server 105) can use N (N > = 1) cipher systems implemented on a block chain basis as payment means. The components of the depicted operations server 200 (or payment server 105) include a node device 1305 (e.g., a designated block-chain network 1300) on a designated block-chain network 1300 implementing the specified block- (E.g., a block device implemented with a block-chain algorithm implemented in a block-chain algorithm) and / or a virtual node capable of participating in the designated block-chain network 1300 A virtual node that is implemented through the same program as the block chain program to which the chain algorithm is applied) and / or is implemented on the designated block-chain network 1300 It can work with real-time node apparatus 1305. In the present invention, N pieces of cipher money include not only embodiments using a plurality of cipher keys, but also embodiments using any one particular number of cipher keys. However, even if the N ciphers are represented (or described) in the detailed description or the claims of the present invention for the sake of convenience in the following description, it is only for the sake of convenience of explanation. In the present invention, N ciphers Embodiments (or ranges of rights), as well as embodiments (or scope of rights) using a single cryptographic currency.

According to the first cryptographic embodiment of the present invention, the N ciphers are associated with the operating server 200 (or the payment server 105) or the operating server 200 (or the payment server 105) The node device 1305 may include a cryptogram that is generated by a block-chain algorithm implemented on the designated block-chain network 1300 and participated in an agreement-active active node. Here, the active node may be a real node device 1305 implemented on a designated block-chain network 1300 or a node operating in an equivalent manner, preferably a block-chain algorithm implemented on a designated block- A function to store a cryptographic currency block generated on the block chain network 1300 designated in the designated block chain network 1300 in a designated storage area, a function to collect a cryptographic transaction history broadcasted in the designated block chain network 1300, A function of constructing a block by blocking the history of the encrypted currency transaction, a function of generating at least one hash value for chaining the constructed block, and a valid block chain verification value for chaining and integrity verification of the composed block A function of generating a new block by applying the new block to another node device 1305, Verifying the block-chain validity of the requested block based on the block-chain verification value contained in the block requested to be agreed from the other node device 1305, and a function of verifying the block- And may perform functions defined in the block chain algorithm implemented on the block-chain network 1300 among the functions of chaining and linking.

According to a second cryptographic embodiment of the present invention, the N ciphers may be associated with the operating server 200 (or the payment server 105) or with the operating server 200 (or the payment server 105) The node device 1305 may include a cryptogram that is generated or agreed through a block chain algorithm implemented on the designated block-chain network 1300 and is included in a passive node capable of real-time confirmation of the cached block. Herein, the passive node is a node that is created or agreed upon on a block-chain network 1300 in cooperation with an actual node device 1305 implemented on a designated block-chain network 1300 to check a chained block in real time, Storing in a designated storage area a cipher block generated on a specified block-chain network (1300) based on a block-chain algorithm implemented on a block-chain network (1300) 1305) of verifying the validity of the block chain of the requested block based on the block-chain verification value included in the block requested to be agreed upon, and a function of chaining the verified block to the pre-stored encrypted currency block One function can be performed.

According to the third cryptographic embodiment of the present invention, the N ciphered currencies may include a cryptographic currency of an operator issued through a proprietary block-chain network 1300 implemented by an operator operating the operating server 200 have. The private block chain network 1300 implemented by the operator may include a public block chain network 1300 or may include a private block chain network 1300 or may include a public block chain network 1300 and a private block chain 1300. [ And may include a hybrid block-chain network 1300 that partially combines the features of network 1300.

According to the first self-block-chain network 1300 of the present invention, the own block-chain network 1300 implemented by the operator can be operated in the form of a public-block-chain network 1300 that can participate in the node.

According to the second self-block-chain network 1300 of the present invention, the own block-chain network 1300 implemented by the operator may include a designated number of node devices 1305 distributedly constructed and operated by the operator In this case, the own block chain network 1300 may be operated in the form of a private block chain network 1300.

According to the third self-block-chain network 1300 of the present invention, the own block-chain network 1300 implemented by the operator includes a designated number of node devices 1305 distributedly constructed and operated by the operator, In this case, the own block chain network 1300 may include a designated number of node devices 1305 operated by an operator. In this case, And a hybrid block chain network 1300 in which an external node device 1305 participates.

According to the fourth self block chain network 1300 of the present invention, the own block chain network 1300 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the own block chain network 1300 may be operated in the form of a virtual private block chain network 1300.

According to the fifth self block chain network 1300 of the present invention, the own block chain network 1300 implemented by the operator includes a virtual node implemented in software through one or more servers operated by the operator In this case, the own block-chain network 1300 may include a virtual node operated by an operator and an external node device 1305 participating in the network The hybrid block chain network 1300 can be operated in the form of a hybrid block chain network 1300.

According to the sixth self-block-chain network 1300 of the present invention, the own block-chain network 1300 implemented by the operator includes a designated number of node devices 1305 distributedly constructed and operated by the operator, And may include a virtual node implemented in software through one or more operating servers, in which case the own block-chain network 1300 includes a designated number of node devices 1305 and a specified number of virtual nodes And may be operated in the form of a private block chain network 1300.

According to the seventh self-block-chain network 1300 of the present invention, the own block-chain network 1300 implemented by the operator includes a designated number of node devices 1305 distributed and constructed by the operator, And a virtual node that is implemented in software through one or more servers that are operated by the node device 1305. The node device 1305 may allow the participation of an external node device 1305 in addition to the virtual node and the designated number of node devices 1305, The own block chain network 1300 may be operated in the form of a hybrid block chain network 1300 in which a specified number of node devices 1305 operated by an operator and virtual nodes and external node devices 1305 participate.

According to the eighth self-block-chain network 1300 embodiment of the present invention, the self-block-chain network 1300 implemented by the operator includes at least two of the first through seventh self- At least partially in combination, and the present invention clearly encompasses these embodiments as well.

The cryptographic block storing unit 1310 stores at least one (1) block in the N block chain networks 1300 implementing N (N > = 1) cryptographic units to be used as a payment unit among cryptograms N encrypted blocks including blocks ciphered or agreed upon in accordance with respective block chain algorithms implemented on the N block-chain networks 1300 in conjunction with the node device 1305 of the node device 1305, Stores N encrypted currency blocks in the designated block storage area. That is, in the block chain-based cipher system, a cipher block of each block-chain-based cipher system is stored and periodically updated in each node device 1305 provided in the block-chain network 1300 in a P2P form without a centralized server The encrypted currency block storage unit 1310 can identify N encrypted currency blocks in association with at least one node device 1305 provided in the N block chain networks 1300 and store the encrypted blocks in a designated block storage area.

On the other hand, the node devices 1305 included in the N block-chain networks 1300 perform a procedure of creating and / or agreeing a new block according to the block-chain algorithm implemented in the corresponding block-chain network 1300, The money block updating unit 1315 checks a new block newly created or agreed on the N block-chain networks 1300 according to the block-chain algorithm implemented on the N block-chain networks 1300, And performs a procedure of chaining and updating the identified new block in each of the encrypted money blocks stored in the area.

According to the method of the present invention, the encrypted currency block updating unit 1315 updates the encrypted currency block stored in the designated block storing area every time (or at specified intervals) 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 contained in each block is valid and / (Or validity of each block included in the cryptographic block) stored in the block storage area through an operation of verifying the validity of the hash values contained in each block through the block chain verification value Procedure can be performed. In this case, the encrypted currency block updating unit 1315 updates the encrypted currency block (or the encrypted currency block including the verified blocks) if the validity of the encrypted currency block (or the validity of each block included in the encrypted currency block) A new block can be chained and updated in the encrypted money block.

According to the embodiment of the present invention, the crypto-money block updating unit 1315 updates the crypto-money block stored in the cryptographic money block 1300 to be newly generated or agreed upon on the block- It is preferable that the new block is repeatedly executed by confirming the new block and chaining it in the encrypted currency block of the corresponding encrypted currency stored in the designated block storage area.

Referring to FIG. 13, the operation server 200 (or the payment server 105) receives user information about the user through the user wireless terminal 400 and receives an n-th cipher The user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the chain network 1300 and the block chain algorithm implemented on the nth block chain network 1300, A cryptographic information registration unit 1320 for performing a procedure for registering user-side cryptographic currency registration information including user-side cryptographic transaction authentication information set for a cryptographic currency transaction using the cryptographic account unit held in the user's cryptographic currency account; , The user side password money account information and the user side password money transaction authentication information are linked with the user information and stored in the designated management DB (I > = 2) included in the latest updated n-th cipher block in the designated block storage area, and the cipher information managing unit 1325 for managing the own- The cryptographic transaction details contained in the blocks can be read to calculate the cryptographic unit held in the user's cryptographic account of the n-th cryptographic unit and stored in the management DB in association with the user's cryptographic unit account information. On the other hand, during the process of reading the encrypted currency transaction details included in the i blocks included in the n-th cipher currency block, the cipher information management unit 1325 determines A procedure for verifying the validity of the n-th cipher block can be performed through a specified verification operation of the hash values included in each block.

When the user wireless terminal 400 intends to make a payment through the n-th (1? N? N) cipher, the user wireless terminal 400 registers user information about the user, the user side cryptographic account information identifying the user cryptographic account established to identify the cryptographic unit held by the user on the n block chain network 1300 and the block chain algorithm implemented on the nth block chain network 1300 (For example, a password, an authentication code, a registration code, a certificate information, a certificate password, etc.) set for a password currency transaction using a password currency account unit held in the user password money account ), And the password money information registration unit 1320 registers the user side password information in the designated registration procedure The user's password information to identify the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1300 implementing the n-th cryptographic service, And the user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user's cryptographic account according to a block chain algorithm implemented on the nth block- Side encrypted money account information, and the cryptographic information management unit 1325 associates the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information with the user information and stores it in a designated management DB , The user side password money account information and the user side password money transaction authentication information, It can manage to make the deal happen cryptocurrency for monetary payment. In other words, the owner of the cryptographic account can not be identified by the cryptographic information manager 1325 through the user's cryptographic account information on the n block-chain network 1300, By storing information and user information in association with each other, the owner of the cryptographic account corresponding to the user-side encrypted money account information can identify and manage the user corresponding to the user information.

On the other hand, when the user-side encrypted money registration information is registered, the encrypted money information managing unit 1325 stores i (i, j) included in the latest updated nth password block in the block storage area based on the user- (for example, a password transaction containing the user-side encrypted money account information as a withdrawal account or an incoming money account), and / or reading the encrypted currency transaction details included in the i > The encrypted currency transaction details included in the i (i? 2) blocks included in the latest updated nth cipher block are read through the valid node device 1305 on the block chain network 1300, The user can calculate the cipher unit held in the user's cipher account. In this case, the encrypted money information managing unit 1325 can store the encrypted currency unit information held in the user's password money account in the management DB in association with the user's password money account information.

According to the embodiment of the present invention, the encrypted money information management unit 1325 stores i (i? 2) blocks included in the latest updated n-th cipher block in the designated periodic (or repeatedly) designated block storage area (E. G., Identify the cryptographic transaction history that includes the user side cryptographic account information into the withdrawing account or into the withdrawing account) and / or validates the valid cryptographic transaction history on the n block chain network 1300 (I > = 2) blocks included in the latest updated n-th cipher block are read through the node device 1305 and stored in the user's cipher account of the n-th cipher (Or repeats) the process of calculating the encrypted currency unit and storing the calculated encrypted currency unit information in the management DB.

According to the method of the present invention, the cryptographic information management unit 1325 reads the i blocks included in the n-th cipher block to calculate the cipher unit held in the user's cipher account, A verification operation for verifying the validity of the hash values included in each block for chaining i blocks included in the nth cipher block (e.g., an operation for verifying whether the hash value contained in each block is valid and / The cryptographic information management unit 1325 may perform the operation of verifying the validity of the hash values included in each block through the block chain verification value included in the n & when the validity of the hash values included in each block for verifying the validity of the hash values for the i blocks is verified, the cryptographic unit held in the user's cryptographic account is calculated, In conjunction with the user-side cryptocurrency account information it can be stored in the management DB.

Referring to FIG. 13, the operation server 200 (or the payment server 105) checks exchange rate information for exchange between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, And a cryptographic currency exchange rate storage unit 1330 for storing the cryptographic currency exchange rate stored in the exchange rate storage area. When the exchange rate information is changed, (1335).

N pieces of encrypted money blocks are stored in a block storage area designated through the encrypted money block storage unit 1310 and / or N encrypted money blocks are chained to a block storage area designated through the encrypted money block updating unit 1315 The encrypted currency exchange rate storage unit 1330 stores the exchange rate between the N encrypted currency corresponding to the N encrypted currency blocks stored in the block storage area and the designated real currency (for example, KRW, USD, etc.) Confirm the information and save it in the specified exchange rate storage area.

According to the first exchange rate embodiment of the present invention, the exchange rate information between the encrypted currency and the real exchange currency stored in the exchange rate storage area may include exchange rate information that can be arbitrarily changed (for example, arbitrarily changed according to the sale / have. If the exchange rate information is arbitrarily changed, the encrypted currency exchange rate update unit 1335 can periodically update the exchange rate information stored in the designated exchange rate storage area by checking the exchange rate information that is changed every designated period.

According to the second exchange rate embodiment of the present invention, the exchange rate information stored in the exchange rate storage area may include exchange rate information fixed (or set by a designated agency) without being changed. In this case, the encrypted currency exchange rate update unit 1335 may not update the exchange rate information periodically.

Referring to FIG. 13, the operation server 200 (or the payment server 105) receives a payment request confirmation for confirming a payment request using the n-th (1? N? N) password from the user wireless terminal 400 A cryptographic currency exchange rate checking unit 1345 for checking the settlement currency rate information based on the exchange rate information stored in the exchange rate storage area designated for the n-th cipher currency at the time of confirming the payment request using the n-th cipher currency, And a cryptographic unit determining unit 1350 for determining a cryptographic unit for settlement corresponding to the settlement amount based on the confirmed settlement exchange rate information.

If the user's wireless terminal 400 transmits the cryptographic settlement request information for requesting settlement using the n-th (1? N? N) cipher based on the block chain as the payment means instead of the at least one real money based settlement means The payment request confirming unit 1340 receives the password settlement request information requesting payment using the n-th cipher from the user wireless terminal 400. [ The encrypted money settlement request information received from the user wireless terminal 400 includes a unique identifier for uniquely identifying at least one (or a combination of two or more) of wireless terminals, users, and apps requesting payment using the n-th cipher, If the user's cryptographic currency account information and the user's cryptographic currency transaction authentication information for the n-th cryptographic currency are not managed through the cryptographic information manager 1325, And may include at least one of user side password money account information and user side password money transaction authentication information.

When the settlement request confirmation unit 1340 confirms the settlement request using the n-th cipher currency, the cipher currency exchange rate check unit 1345 checks the exchange rate of the n-th cipher currency to be used as the payment means, Check the exchange rate information based on the information.

In the case where the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange storage area are arbitrarily changed in accordance with the first exchange rate embodiment of the present invention, the encrypted currency exchange rate confirmation unit 1345 updates the encrypted currency rate update unit 1335) to check the current exchange rate information between the n-th cipher currency and the designated real currency, and confirm the settlement exchange rate information based on the confirmed current exchange rate information. Here, the settlement exchange rate information may include exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio than the current exchange rate information, And exchange rate information adjusted to hedge a loss due to exchange of exchange based on the fluctuation of the exchange rate information of the exchange rate information.

If the n-th cipher currency and the designated real-currency exchange rate information stored in the exchange-rate storage area are fixed according to the second exchange rate embodiment of the present invention, the cipher currency exchange rate check unit 1345 checks the n-th cipher currency, It is possible to confirm the exchange rate information and confirm the exchange rate information based on the confirmed exchange rate information. Here, the settlement exchange rate information includes at least one of exchange rate information that is the same as the current exchange rate information between the n-th cipher currency and the designated real currency, and exchange rate information that is calculated by lowering the value of the n-th cipher currency by a certain ratio And may include exchange rate information.

When the settlement exchange rate information between the n-th cipher currency and the designated real currency is confirmed through the cipher currency exchange rate confirmation unit 1345, the cipher currency unit determination unit 1350 determines, based on the confirmed settlement exchange rate information, And decides the unit of the password for payment corresponding to the amount to be paid. Meanwhile, according to the embodiment of the present invention, the cryptographic unit determination unit 1350 provides the settlement currency information and / or the cryptographic unit for settlement to the user wireless terminal 400, The user can go through the process of acquiring the user's payment agreement or user approval.

Referring to FIG. 13, the operation server 200 (or the payment server 105) may include an n-th block-chain network 1300 that implements the n-th cipher money when confirming a payment request using the n-th cipher money, A cryptographic currency account identification unit 1360 for identifying a user's cryptographic account established to identify a cryptographic unit held by the user on the user's cryptographic unit, and a validity authentication unit 1365 for performing at least one encrypted currency settlement validity authentication procedure based on the n cipher block.

When the payment request confirmation unit 1340 confirms the payment request using the n-th cipher money, the cipher currency account identification unit 1360 inquires of the management DB managed through the cipher information management unit 1325, The user can confirm the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1300 implementing the n-th cryptographic unit. On the other hand, according to the embodiment of the present invention, the cryptographic currency account identification unit 1360 identifies a cryptographic unit among the cryptographic units held by the user on the n block-chain network 1300 from the management DB, The user can confirm the user's cryptographic transaction authentication information for proceeding / authenticating the currency transaction. According to another embodiment of the present invention, at least one of the user side encrypted currency account information and the user side encrypted currency transaction authentication information may be received from the user wireless terminal 400, thereby preventing the present invention from being limited No.

When the user's cryptographic account established to identify the cryptographic unit held by the user on the n-th block-chain network 1300 is confirmed through the cryptographic currency account checking unit 1360, the validity authentication unit 1365 determines A procedure for authenticating the validity of the password currency settlement based on the password currency transaction for fetching the settlement password currency unit determined through the password unit determination unit 1350 from the user's password currency account of the password currency and entering the designated password currency account .

According to an embodiment of the first password settlement validity authentication method of the present invention, the validity authentication unit 1365 may be configured to authenticate the validity of the n-th cipher based on the latest updated n-th cipher block of the n-th cipher, And a step of authenticating whether or not the amount to be paid has a valid cipher currency unit capable of paying the amount to be paid. According to the embodiment of the present invention, the validity authentication unit 1365 reads the latest updated n-th cipher block (for example, i (i > 2 ) Blocks of the cryptographic currency based on the cryptographic transaction details included in the n < th > block, and holds a valid cryptographic unit capable of paying the amount to be settled in the user's cryptographic account of the nth cryptographic unit (Or repeatedly) stored in the management DB designated by the cryptographic information management unit 1325, and / or the cryptographic unit information stored in the user's cryptographic account of the n-th cryptographic unit based on the cryptographic unit information of the user stored periodically It is necessary to check whether the amount to be paid has a valid cipher unit capable of payment, and / or in cooperation with a valid node apparatus 1305 on the nth block-chain network 1300 Seen may perform the update process of the n-th cipher block currency and check whether the read out by having the n-th cipher user password currency account password valid currency can make a payment to the payment of money to the Certification. That is, the block-chain-based cipher does not store and manage a cipher unit held by a user in a centralized manner in a server, but instead stores the number of ciphers specified in each node device 1305 provided in the block-chain network 1300 The validity authentication unit 1365 reads the latest updated n-th cipher block of the n-th cipher key in real time or stores the cipher block of the n-th cipher periodically and / And / or a management DB storing information for reading the latest updated nth cipher block of the n-th cipher currency, so as to store the valid password in the user's cipher currency account of the n-th cipher currency, Unit can be carried out.

According to an embodiment of the second cryptographic payment validity authentication method of the present invention, the validity authentication unit 1365 determines whether the i (i, 2) blocks included in each block And a step of verifying validity of the n-th cipher block by performing a specified verification operation of the hash values. According to an embodiment of the present invention, the validity authentication unit 1365 may perform a specified verification operation of hash values included in i (i? 2) blocks included in the latest updated n-th cipher block, I < / RTI > included in the nth encrypted currency block used to calculate the cryptographic unit held in the user's cryptographic account of the node device 1305 on the nth block-chain network 1300 and / 2) blocks of the hash values. That is, the block-chain-based cryptography does not store and manage a cryptographic unit held by a user in a centralized manner in a server, but rather a plurality of node devices 1305 provided in the block-chain network 1300, The validity authentication unit 1365 determines whether or not the latest updated nth cipher block of the n-th cipher is valid by using the cipher currency validity authentication procedure Can be performed. According to the embodiment of the present invention, when the validity of the n-th cipher block is verified through the validity authenticator 1365, the process of calculating the cipher unit held in the user's cipher account of the n-th cipher Is preferably performed.

According to the third embodiment of the present invention, the validity authentication unit 1365 may include the user's password account as a withdrawal account from among the details of the encrypted currency transaction transmitted to the n-th block-chain network 1300 And a step of authenticating that there is no idle-state user-side withdrawal-related unrecognized encrypted currency transaction details not included in the n-th cipher block.

According to the method of the present invention, the block-chain algorithm for implementing the block-chain-based cryptography is a method for real-time chaining the encrypted currency transaction details generated for the cryptographic currency transaction in each transaction history unit when a predetermined cryptographic currency transaction occurs (I.e., not including the hash value of the previous password transaction history in the current password transaction history), blocks the encrypted currency transaction history generated for a predetermined time (and / or a predetermined number of times) (I.e., include the hash value of the previous block linked from the original block into the current block and / or generate or apply the block chain verification value for the hash value of the current block) In order for the encrypted currency transaction details to be blocked or chained in the encrypted currency block, a predetermined (or predetermined) This is necessary. For example, in some block-chain-based cryptography, a wait time of 10 minutes is set. However, if the latency of the block-chain algorithm is reduced by the technical structure, the security is reduced by that much, and other security technologies are needed to compensate. No matter how many security technologies are used, even if the latency is reduced to a minimum, latency of at least 10 seconds is required. Accordingly, even if at least one user-side withdrawal-related cipher transaction history including the user's cipher account as the withdrawal account is broadcast to the n-th block-chain network 1300 at a certain point in the past, The user-side withdrawal-related cipher transaction history may be a standby state not included in the n-th cipher block before the waiting time set for blocking or chaining the n-th block-chain algorithm.

Meanwhile, according to some block-chain algorithms, a plurality of node devices 1305 provided on the block-chain network 1300 competitively participates in the process of creating and chaining blocks in which the encrypted currency transaction details are blocked, Since the node device 1305 issues new passwords to the device 1305 and / or provides a transaction fee of the encrypted currency transaction details included in the block-chained block to the node device 1305 that has succeeded in block-chaining, You can include a high transaction fee in a block that you create, and you can exclude or include it in a block. Therefore, even if the waiting time on the corresponding block chain algorithm is set to 10 minutes for some of the encrypted money transaction details broadcasted to the block-chain network 1300, the node devices 1305 included in the block- It may take hours, days, weeks, or months, depending on when the transaction is included in the block. In some extreme cases, in the case of some encrypted currency transactions, the block chain network 1300 may not be included in the cipher block until it is closed. Therefore, it is possible to generate a password transaction for settlement for settlement using the n-th cipher based on the time when the payment request using the n-th cipher currency is confirmed, it is preferable that there is no user-side withdrawal-related unrecognized password currency transaction history on the n block-chain network 1300, thereby preventing a delay of the password transaction for settlement or an error occurrence probability .

According to the embodiment of the present invention, when the payment request using the n-th cipher currency is confirmed, the validity authentication unit 1365 determines that the payment request using the n-th cipher currency is confirmed, At least one user-side withdrawal account including the user's password account as an account for withdrawal from the cryptographic transaction details broadcasted to the n-th block-chain network (1300) If the at least one user-side withdrawal-related cipher transaction transaction history including the user's cipher account as an withdrawal account is confirmed, the verified user-side withdrawal-related cipher currency transaction details are the n-th password It is possible to carry out a procedure for confirming whether or not it is a standby state not included in the money block. If at least one user-side withdrawal account including the user's cryptographic account as a withdrawal account out of the cryptographic transaction details broadcasted to the n-th block-chain network 1300 based on a time point when the payment request using the n-th cipher currency is confirmed If the related password money transaction details are not confirmed and / or the user-side withdrawal related password money transaction details broadcast in the nth block-chain network 1300 are confirmed, If the validity authentication unit 1365 includes the key in the cipher block (or is immediately included) and is finally determined as a valid cipher transaction, the validity authentication unit 1365 can authenticate the validity of the cipher settlement using the n-th cipher key. On the other hand, at least one user-side withdrawal account including the user's cryptographic account as the withdrawal account among the details of the cryptographic currency transactions broadcasted to the n-th block-chain network 1300 based on the time when the payment request using the n-th cipher currency is confirmed Or a user-side withdrawal-related withdrawal related to the n-th block chain network 1300 is not included in the n-th cipher currency block, If it is confirmed that the encrypted currency transaction details are valid, the validity authentication unit 1365 can confirm that the validity of the encrypted currency settlement using the nth encrypted currency is invalid according to the specified rule. For example, the validity authentication unit 1365 may determine that the user decrypts the user's password account among the decrypted transactions displayed on the n-th block-chain network 1300 based on a time point at which the payment request using the n-th cipher currency is confirmed When the at least one user-side withdrawal-related cipher transaction history included in the withdrawal account is confirmed, it can be confirmed that the validity of the cipher currency payment using the n-th cipher currency is invalid. Alternatively, the validity authentication unit 1365 may transmit the user's password account to the withdrawal account of the encrypted currency transaction details broadcasted to the n-th block-chain network 1300 based on a time point when the payment request using the n-th cipher currency is confirmed And the at least one user-side withdrawal-related cipher transaction transaction history including the at least one user-side withdrawal-related cipher transaction transaction history included in the n-th cipher block, It can be confirmed that the payment validity is invalid. Alternatively, the validity authentication unit 1365 may authenticate the validity of the encrypted currency settlement as in the fourth password settlement validity authentication example described below.

According to an embodiment of the fourth password settlement validity authentication method of the present invention, the validity authenticator 1365 may retrieve the user password in the idle state including the user's password account on the n-th block-chain network 1300 When the user confirms the related unconfirmed password currency transaction details, the user uses the at least one encrypted currency unit among the encrypted currency unit included in the confirmed undisplayed password currency transaction details related to the user-side withdrawal related relationship and the encrypted currency unit held in the user password money account, And a step of authenticating whether or not a valid cryptographic currency unit capable of paying the amount to be paid exists in the cryptographic currency account. For example, when the block chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 1300, the cipher account unit held in the user's cipher account is subtracted The validity authentication unit 1365 determines whether the encrypted currency account unit held in the user's password currency account is smaller than or equal to the password currency unit corresponding to the amount to be paid, . For example, if the block-chain algorithm of the n-th cipher is broadcasted to the n-th block-chain network 1300 after the user-side withdrawal-related cipher transaction transaction details are broadcasted, In the case where the encrypted password account unit is included in the money block and the encrypted password account unit held in the user's password money account is subtracted, the validity authentication unit 1365 determines whether the password unit corresponding to the amount to be paid and the user- It can be confirmed that the sum of the cipher units included in the cipher transaction history is less than or equal to the unit of the cipher account held in the user's cipher account so that the validity of the cipher currency payment is authenticated in such a case.

According to the 5th embodiment of the password validation validity authentication method of the present invention, the validity authenticator 1365 may at least partially combine at least two embodiments among the first through fourth password validity authentication validity embodiments It is possible to certify the validity of the password currency settlement, and it is evident that the present invention can also include the embodiment of this type in the scope of the present invention.

Referring to FIG. 13, the operating server 200 (or the payment server 105), when authenticating one or more designated password currency settlement validity, A cryptographic money transaction procedure unit for performing a cryptographic currency transaction procedure to settle the amount to be paid by using the cryptographic unit, And a result information providing unit 1385 for providing the cryptographic unit based payment result information to the user wireless terminal 400. The cryptographic service providing unit 1385 may include a result information confirming unit 1380, And a cryptographic currency transaction management unit 1375 for managing the cryptographic currency transaction to be effectively included in the n-th cipher currency block.

If the validity authentication unit 1365 validates one or more designated password settlement validity, the cryptographic currency transaction processing unit determines whether the cryptographic unit of the cryptographic unit of the n < th > The n-th cipher chain is transferred from the user's cipher currency account of the n-th cipher to the designated ciphering account, (1300). ≪ / RTI >

According to the first billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, You may include escrow cryptographic accounts of nth cryptographic currency designated for escrow that you are saving to exchange. In the present invention, the billing password transaction recorded on the n-th block-chain network 1300 is not the transaction history of the encrypted currency and the real currency but the transaction history of the encrypted currency transaction. Therefore, in order for the billing unit for the billing currency withdrawn from the user's cryptographic account of the n-th cipher currency to be converted into the real currency unit, the selling of the cipher unit using the designated cipher currency exchange (for example, the exchange operated by the affiliated exchange or the operator) At least one currency exchange transaction including exchange transactions using real currency based on buy / sell transactions and / or currency exchange transactions using exchange allowance of a business person should be generated, and the exchange transaction to such a real currency takes a certain time. On the other hand, since the password-based settlement using the n-th cipher currency as the settlement means is processed and the cipher currency unit for settlement held in the user's cipher currency account of the n-th cipher currency is fetched, The user may include an escrow cryptographic currency account of the nth cryptographic currency designated to temporarily store the billing currency unit withdrawn from the user's cryptographic account of the nth cryptographic currency until the currency unit is converted into the real currency unit.

According to the second billing password account embodiment of the present invention, the billing password account for settlement includes the billing password unit among the password units held in the user password account of the n-th password, And may include a buyer's cryptographic account for purchasing the cryptographic unit for settlement using the real currency after requesting the sale according to the procedure. For example, when the exchange transaction of the n-th cipher currency is actively performed in real time and the cipher unit 1350 determines the unit of cipher for payment corresponding to the amount to be paid, When the value of the n-th cipher currency is lower than a current rate of currency information of the currency by a certain ratio to calculate the cipher unit for billing, the billing unit for billing thus calculated is used for real- Within a specified time). Alternatively, when a company purchases the above-mentioned settlement unit for currency using a predetermined exchange allowance, the settlement unit may be bought in real time (or within a designated time) at the same time as the sale request. If the billing unit for billing is available for purchase in real time (or within a designated time) at the same time as the bid request, the billing password account is used to sell the billing password unit held in the user's password account of the nth password And a buyer's cryptographic account that holds the buyer's cryptographic units that request and buy in real time (or within a specified time).

On the other hand, if the idle state user-side withdrawal-related unrecognized password currency transaction details including the user password money account as the withdrawal account on the n-th block-chain network 1300 are confirmed through the validity authentication unit 1365, The money transaction management unit 1375 may use the n-th cipher than the confirmed uninitialized cipher transaction history in connection with the block chaining process based on the block chain algorithm implemented in the n-th block-chain network 1300 And may perform a procedure designated to include in the n-th cipher block first the ninety-ciphertext block generated for payment and broadcast to the n-th block-chain network 1300. For example, when a block-chaining algorithm implemented in the n-th block-chain network 1300 is transmitted to a node device 1305 that has successfully block-chained among a plurality of node devices 1305 provided on the n-th block- The cryptographic currency transaction management unit 1375 determines whether or not the transaction fee is greater than the transaction fee set in the confirmed unauthorized cryptographic currency transaction details of the user-side withdrawal related to the block- It is possible to set the transaction fee of the settlement password currency transaction history to be higher so that the settlement password currency transaction history is included in the nth cipher currency block before the user-side withdrawal-related unconfirmed password currency transaction details. Or when a business operator operating the operation server 200 (or the payment server 105) implements and operates the n-th block-chain network 1300, the payment password transaction details are assigned a priority , The settlement password transaction history may be set so as to be included in the n < th >

Meanwhile, the result information verifying unit 1380 confirms the settlement through the n-th cipher money within a predetermined time after the clearing transaction for the settlement is broadcasted to the n-th block-chain network 1300 through the cryptogram transaction processing unit And can confirm the processed password-based payment result information. When the billing password transaction history is broadcasted to the n-th block-chain network 1300 through the cryptographic transaction processing unit, the result information checking unit 1380 may include a cryptogram- You can check payment result information.

According to the first result information checking embodiment of the present invention, the result information verifying unit 1380 confirms that the billing password transaction details are broadcasted to the n-th block-chain network 1300 through the cryptographic transaction processing unit The settlement result information including the cryptography-based settlement approval result can be confirmed before the settlement password transaction details are included in the n-th cipher currency block. On the other hand, if the settlement password transaction details are not yet included in the n-th cipher block, the result information verifier 1380 determines the result of the cipher settlement (e.g., Based on the result of the payment approval of the final settlement state).

According to the second result information checking embodiment of the present invention, when the settlement password currency transaction details are broadcasted within the predetermined time after the settlement password money transaction details are broadcasted to the nth block chain network 1300, (For example, when the cycle of incorporating the encrypted money transaction details into the n-th cipher block is within a specified reference time and / or the operation server 200 (or the payment server 105) The result information confirming unit 1380 notifies the n-th block-chain network 1300 of the settlement password (denomination) to the n-th block- After the transaction history is broadcasted, after confirming that the payment password transaction details are included in the n < th > password block, the payment result information including the password- It can be found. On the other hand, when the settlement password transaction details are included in the n-th cipher block, the result information verifier 1380 confirms the actual approval result (for example, The result of the payment approval corresponding to the details of the password transaction of the settlement for payment).

The result information providing unit 1385 may provide the cryptogram-based payment result information confirmed according to the first or second result information checking example to the user wireless terminal 400 and / or the merchant terminal , The user wireless terminal (400) and / or the merchant terminal can receive and output the password-based payment result information.

FIG. 14 is a diagram illustrating a process of synchronizing and storing encrypted currency blocks on the block-chain network 1300 according to an embodiment of the present invention.

In more detail, FIG. 14 is a block diagram of a block caching system according to an embodiment of the present invention. Referring to FIG. 14, blocks or blocks that are created or agreed upon according to a block chain algorithm implemented on N block chain networks 1300 implementing N (N? 1) And stores the coded block in the designated block storage area. The new block is newly created or agreed upon according to the block chain algorithm implemented on the N block-chain networks 1300, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope of the present invention. It will be appreciated that various implementations (e.g., some steps omitted or alternate implementations) may be inferred, And the technical features thereof are not limited by the implementation method shown in FIG.

Referring to FIG. 14, a node device 1305 on a block-chain network 1300 transmits a specified number of encrypted currency transactions 1300 broadcasted to the block-chain network 1300 in accordance with a block- And transmits the generated new block to the other node devices 1305 on the block chain network 1300 to perform a block chaining process for agreeing and then chaining the agreed blocks (Or the settlement server 105) performs a procedure of distributing and storing the cipher block including the cipher block to each node device 1305 (1400). The operation server 200 (or the settlement server 105) (Block 1405) that is generated or agreed upon in accordance with the block-chain algorithm implemented on the N block-chain networks 1300 implementing the cipher block. If the encrypted money block is confirmed, the operation server 200 (or the payment server 105) stores the identified encrypted money block in the designated block storage area (1410).

Thereafter, the operation server 200 (or the payment server 105) checks whether a new block is created or agreed according to the block chain algorithm specified on the block chain network 1300 corresponding to the encrypted money block stored in the block storing area (1415). If a new block is created or agreed on the block-chain network 1300, the operating server 200 (or the payment server 105) checks the newly created or agreed-upon new block on the block-chain network 1300 (Block 1420), stores the updated new block in the cipher block stored in the block storing area, updates and stores the new block in step 1425, checks a new block newly created or agreed on the block chain network 1300, Periodically and / or continuously repeating the process of updating and storing the encrypted money block stored in the storage area. As a result, the latest cipher block can always be kept in the block storage area.

FIG. 15 is a diagram illustrating a process of managing exchange rate information between a cryptogram and a real currency according to an embodiment of the present invention.

More specifically, FIG. 15 shows a process of confirming and storing and / or updating exchange rate information set for exchanging between a cryptogram corresponding to a cryptogram block stored in a designated block storage area and a specified real money, Those skilled in the art will appreciate that various embodiments of the process of managing the exchange rate information (e.g., some steps may be omitted or in order However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 15, the operation server 200 (or the payment server 105) confirms the exchange rate information set for the exchange between the cryptographic currency corresponding to the cryptographic currency block stored in the designated block storage area and the designated real currency (1500 ). For example, the operating server 200 (or the payment server 105) can check the exchange rate information in cooperation with a server of a designated cryptographic exchange. Alternatively, the operation server 200 (or the payment server 105) can check the exchange rate information by referring to the block chain network 1300 corresponding to the encrypted currency block stored in the block storage area. If the exchange rate information between the encrypted currency and the real currency is confirmed, the operation server 200 (or the payment server 105) stores the confirmed exchange rate information in the designated exchange storage area (1505).

On the other hand, if the exchange rate information is periodically fluctuating exchange rate information, the operation server 200 (or the payment server 105) checks the current exchange rate information that is changed every predetermined period (1510) The stored exchange rate information is updated with the currently confirmed exchange rate information and stored (1515), so that the exchange rate information immediately exchangeable in the exchange rate storage area can be maintained.

FIG. 16 is a diagram illustrating a process of registering information for a user-side encrypted money transaction according to an embodiment of the present invention.

FIG. 16 is a block diagram illustrating a user's information about a user, a user's password money account information for the user's password money transaction, and a user's password money transaction authentication information for a real name-based password currency transaction using a password held by a user The user can register and store the user-side encrypted money registration information including the user's password, and if the user has a knowledge in the art, referring to and / or modifying FIG. 16, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 16, when user information using the n-th cipher is registered 1600 in the user wireless terminal 400, the operation server 200 (or the payment server 105) And stores it in the management DB (1605). On the other hand, on the n-th block-chain network 1300 implementing the n-th cipher system in the user wireless terminal 400, the user's cipher account information for identifying the user's cipher account established to identify the cipher unit held by the user The user side cryptographic transaction authentication information set for the cryptographic currency transaction using the cryptographic account unit held in the user cryptographic account according to the block chain algorithm implemented on the nth block chain network 1300, When the password money registration information is registered 1610, the operation server 200 (or the payment server 105) registers the user's password money account information including the user's password money account information and the user's password money transaction authentication information (1615), and associates the user-side encrypted currency account information and the user-side encrypted currency transaction authentication information with the user information (1620) and stores the information for the user name-based password transaction based on the real name.

On the other hand, the node devices 1305 on the n-th block-chain network 1300 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 1300 according to the block- And a block chaining process of generating a new block to be chain-connected with a previous block including a specified number of cryptographic transaction details and transferring the generated new block to another node device 1305 on the n-th block-chain network 1300 The operation server 200 (or the payment server 105) performs a procedure of distributing and storing the ciphered blocks including the agreed-upon blocks to each of the node devices 1305 The process of checking the latest updated n-th cipher block of the n-th cipher from the designated block storage area through the process of FIG. 12 and / or checking the n-th cipher block of the n-th cipher, (1630) the latest updated nth encrypted currency block of the n th cipher from the node device 1305 on the block-chain network 1300.

The operation server 200 (or the payment server 105) may perform a specified verification operation (hereinafter referred to as " operation ") of the hash values included in each of the blocks in order to chain i The validity of the nth encrypted currency block is verified (1635). If the validity of the n-th cipher block is not verified, the operating server 200 (or the payment server 105) receives the latest valid n-th cipher from the valid node device 1305 of the n-th block- (Re) verification of the encrypted money block, storing it in the designated block storage area (1640), and (re-) checking the validity of the confirmed / stored nth encrypted currency block.

On the other hand, if the validity of the n-th cipher block is not verified, the operating server 200 (or the settlement server 105) checks whether the encrypted money transaction included in the i blocks included in the verified n-th cipher currency block (1445) the encrypted currency units held in the user's cryptographic account of the n-th cipher system. If the encrypted currency unit held in the user's cryptographic currency account of the n-th cipher currency is calculated, the operating server 200 (or the payment server 105) stores the cipher currency unit information held in the user's cipher currency account And stores it in the management DB in connection with the user's password money account information (1650).

FIG. 17 is a flowchart illustrating a process for confirming a password-based payment according to an embodiment of the present invention.

In more detail, FIG. 17 is a flowchart illustrating an example of a payment process according to an embodiment of the present invention. Referring to FIG. 17, when the n-th cipher based payment is requested by the user wireless terminal 400, (And / or a password unit for settlement) through the user wireless terminal 400 after confirming the settlement unit for the settlement currency exchange unit 400, Those skilled in the art will be able to refer to and / or modify Figure 17 to derive various implementations of the cryptography-based payment verification process (e.g., omitting some steps or changing the order) However, it should be understood that the present invention includes all of the above-described embodiments, and the technical features thereof are not limited only by the method shown in FIG. You.

Referring to FIG. 17, when the user wireless terminal 400 requests the n-th cipher based payment through the process of FIG. 12, the operation server 200 (or the payment server 105) Confirm the payment request (1700). If the n-th cipher based payment request is confirmed, the operation server 200 (or the payment server 105) checks whether the n-th cipher and the real exchange rate stored in the exchange storage area designated in the process of FIG. (1705), and determines a cipher unit for payment corresponding to the amount to be paid (1710) based on the confirmed settlement exchange rate information.

FIG. 18 is a diagram illustrating a process of authenticating at least one encrypted currency settlement validity according to an embodiment of the present invention.

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

Referring to FIG. 18, when the n-th cipher based payment is requested through the process of FIG. 12 and / or the unit of ciphering for payment is determined through the process of FIG. 17, or the user consent for the cipher- The operating server 200 (or the payment server 105) transmits the user password money account established to identify the cipher unit held by the user on the nth block-chain network 1300 implementing the n-th cipher system (1800). ≪ / RTI > If the user encryption account is not confirmed, the operation server 200 (or the payment server 105) provides error information through the communication network 1805, and the user wireless terminal 400 transmits the error information And receives and outputs error information (1810).

On the other hand, the node devices 1305 on the n-th block-chain network 1300 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 1300 according to the block- And a block chaining process of generating a new block to be chain-connected with a previous block including a specified number of cryptographic transaction details and transferring the generated new block to another node device 1305 on the n-th block-chain network 1300 The cryptographic block including the agreed blocks is distributed to each of the node devices 1305 (step 1815). If the user's cryptographic account of the n-th cipher key is identified , The operating server 200 (or the payment server 105) receives the latest updated n-th encryption of the n-th cipher from the designated block storage area through the process of FIG. 12 Block 1820 of the n < th > cipher from the node device 1305 on the n < th > block chain network 1300 corresponding to the n & .

The operation server 200 (or the payment server 105) may perform a specified verification operation (hereinafter referred to as " operation ") of the hash values included in each of the blocks in order to chain i (1825) a cryptographic payment validity authentication procedure for authenticating the validity of the nth cipher block. If the validity of the n-th cipher block is not authenticated, the operation server 200 (or the payment server 105) provides error information through the communication network 1805, and the user wireless terminal 400 And receives and outputs the error information through a communication network (1810).

On the other hand, when the validity of the n-th cipher block is authenticated, the operating server 200 (or the settlement server 105) updates the n-th cipher block based on the latest updated n-th cipher block of the n-th cipher, (1830) a cryptographic currency settlement validity authentication procedure for authenticating the validity of the user's cryptographic currency unit whether the user holds a valid cryptographic currency unit capable of paying the amount to be paid in the user's cryptographic currency account. If the validity of the user-held cipher currency unit is not authenticated, the operation server 200 (or the payment server 105) provides error information through the communication network 1605, And receives and outputs the error information (1610). According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency to transmit the cipher-based payment when the validity of the user- The present invention is not limited thereto.

On the other hand, when the validity of the user-held cipher currency unit is authenticated, the operation server 200 (or the payment server 105) transmits the payment request to the n-th block- 1300), it is authenticated that there is no idle-state user-side withdrawal-related unrecognized password currency transaction that is not included in the n-th cipher currency block, while the user's password money account is included in the withdrawal account A cryptographic bill validity authentication procedure is performed 1835 to authenticate the block chaining validity. According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency for the cipher currency transaction for the cipher-based payment when the block- It is possible to perform the procedure, and thus the present invention is not limited thereto.

If the block chaining validity is not authenticated, the operation server (e. G., ≪ RTI ID = 0.0 > 200) (or the settlement server 105) can use at least one of the encrypted denomination unit included in the confirmed user-withdrawal-related undecided password currency transaction history and the encrypted denomination unit held in the user's password money account (1840) a cryptographic currency payment validity authentication procedure for authenticating the validity of the user-held cryptographic currency unit whether the user has a valid cryptographic unit capable of paying the amount to be paid in the user's cryptographic currency account. According to an embodiment of the present invention, the operation server 200 (or the payment server 105) can use the n-th cipher currency to transmit the cipher-based payment when the validity of the user- The present invention is not limited thereto.

If the block chaining validity is not authenticated and / or the user side password related to the user side withdrawal-related unauthorized password money transaction is included in the withdrawal account on the n-th block-chain network 1300, If the validity of the user-held cipher currency unit is not authenticated using at least one of the encrypted currency unit included in the withdrawal-related unconfirmed cipher currency transaction details and the encrypted currency unit held in the user's cipher currency account, The server 200 (or the settlement server 105) determines whether or not the uninvited cipher transaction history of the user-side withdrawal related to the unrecognized cipher transactions in association with the block chaining process based on the block chain algorithm implemented in the nth block- In order to first include the settlement password currency transaction details in the n-th cipher currency block And performing a specified process (1845), it is possible by using the n-th cipher money to perform password monetary transaction process for the encryption based monetary payment. In this case, the operation server 200 (or the payment server 105) may determine that there is a user-withdrawal-related unconfirmed password transaction history previously broadcasted to the n-th block-chain network 1300 and / It is possible to perform a procedure of providing notification information to the user wireless terminal 400 that an error may (or may not) be caused by an undeclared cipher currency transaction detail related to the withdrawal, and thus the present invention is not limited thereto.

FIG. 19 is a diagram illustrating a process of processing a password settlement according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates a case where the operation server 200 (or the payment server 105), when authenticating at least one designated cipher settlement validity, determines a cipher unit held in the user's cipher account of the n-th cipher FIG. 19 is a flowchart illustrating a process of performing a designated cigarette money transaction procedure to settle the amount to be paid by using the method of the present invention. Referring to FIG. 19 and / or modified by the person skilled in the art, It will be appreciated that various implementations of the cryptographic process (e.g., some steps may be omitted, or alternate implementations) may be inferred, but the present invention includes all of the above- The technical features are not limited only by the implementation method shown in FIG.

Referring to FIG. 19, when at least one designated password settlement validity is authenticated through the process of FIG. 18, the operation server 200 (or the settlement server 105) accesses the user's password account (Step 1900). The ninety-digit cipher currency transaction is generated by fetching a payment cipher unit corresponding to the amount to be paid out of the cipher units held in the ninety- N block chain network 1300 corresponding to the encrypted password transaction transaction (step 1905). On the other hand, the node devices 1305 on the n-th block-chain network 1300 corresponding to the n-th cipher text are broadcasted to the n-th block-chain network 1300 according to the block- And generates a new block to be chain-coupled with a previous block including a specified number of encrypted currency transaction details including the settlement password transaction, and transmits the generated new block to another node device 1305, and performs a process of distributing and storing the encrypted money blocks including the agreed-upon blocks in the respective node devices 1305 (1910).

On the other hand, the operating server 200 (or the payment server 105) broadcasts the encrypted password transaction details to the n-th block-chain network 1300, And confirms the password-based payment result information (1915). If the password-based payment result information is confirmed, the operation server 200 (or the payment server 105) provides the password-based payment result information to the user wireless terminal 400 and / or the merchant terminal (1920), the user wireless terminal (400) and / or the merchant terminal (1925) receives and outputs the cipher-based payment result information.

100: Authentication server 105: Payment server
200: Operation server 205: Information storage unit
210: transaction registration receiving unit 215: OTID receiving unit
220: Transaction registration manager 225: Registration result provider
230: recognition information receiving unit 235: identification /
240: Transaction registration confirmation unit 245:
250: Payment result processing unit 300:
310: Interface Unit 315: Merchant Payment Unit
320: App for merchants 325: Information registration
330: Transaction register 335: OTID generator
340: OTID registration unit 345: code generation unit
350: signal transmission processing section 355: result processing section
360: Wireless device at the merchant point 370:
375: Information constructing section 380: Signal transmitting section
400: user wireless terminal 410: short range wireless unit
420: Operating App 425: Signal Verification Unit
430: signal recognition unit 435: transaction information display unit
440: Transaction processor 450: Payment application
455: status checking unit 460: shared information checking unit
465: recognition information transmitting unit 470: settlement processing processor
1300: block chain network 1305: node device
1310: Crypto-money-block storing unit 1315: Crypto-money-
1320: a password money information registering unit 1325: a password money information managing unit
1330: encrypted currency exchange rate storage unit 1335: encrypted currency exchange rate update unit
1340: Payment request confirmation unit 1345: Cryptographic currency exchange rate confirmation unit
1350: cipher unit determination unit 1355:
1360: Password Money Account Check Unit 1365:
1370: Cryptographic Transaction Processing Section 1375: Cryptographic Transaction Management Section
1380: Result information checking unit 1385: Result information providing service

Claims (17)

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

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