Payment method using one-time payment security code based on color pixel code

Abstract

We provide a payment method using a one-time payment security code based on a color pixel code. [Solution] A method for performing a payment using a one-time payment security code based on a color pixel code includes the steps of generating a one-time payment security code using a dedicated application, displaying the one-time payment security code as payment information, dividing the payment information into a number of blocks, continuously changing the arrangement of the divided payment information blocks, temporarily arranging the divided payment information blocks normally, having a supplier leader recognize the payment information with the blocks temporarily arranged normally, and making a payment using the payment information recognized by the reader.

Description

[Technical field]

[0001] The present invention relates to a payment method using a one-time payment security code based on a color pixel code, and more particularly, to a payment method using a one-time payment security code based on a color pixel code, in which an arbitrary color pixel code is arranged on a color grid image screen formed of color pixels of various hues in a smartphone dedicated application, a user inputs a pattern to select a color pixel, and a one-time payment security code based on a color pixel code generated by combining the color pixel code and a user pattern is used for payment for a product or service purchase price. [Background technology]

[0002] The number of credit cards in the world in 2019 is about 2.8 billion (statistics from shiftprocessing.com), and many users who purchase products and services use credit cards to pay for purchases. However, the total amount of credit card fraud worldwide, caused by credit card theft, such as when a user uses a lost or stolen credit card to make a payment, or when a person steals credit card information including the serial number, expiration date, and CVC number of the credit card to make an unauthorized payment on some online sites where payment can be made without a password, reached about 33 trillion won (statistics from the Bank of Korea) in 2018. As a result, there is a trend to introduce international standard (EMV: Europay, MasterCard, Visa Card) chip technology and security payment technology using disposable tokens to credit card transactions in order to prevent credit card theft. As a technology previously developed to solve the above credit card theft problem, a "Credit card fraud prevention system by short-distance user identification" has been disclosed in Korean Patent No. 10-1609046 (registration date: March 29, 2016), which has the effect of strengthening security by proving that the actual credit card and the credit card holder's smartphone are in the same place. However, the above-mentioned conventional technology has a problem in that security is not applied to online credit card payments, and when a credit card is used for offline payments, the credit card information is made public to others, and it is not possible to prevent others from intercepting the credit card information and making fraudulent payments.

[0003] Meanwhile, when QR codes and barcodes are used as payment information, the problem of illegal theft has been raised, as anyone can use the payment information if they only have the image of the payment information. As a conventional technique for solving the security problem of such QR code payment information, a "QR code generation method and electronic device" is disclosed in Korean Patent Publication No. 10-2019-0051522 (Publication date: May 15, 2019), and according to the disclosure, the method includes a step of an electronic device calling a QR code formed of a plurality of location confirmation symbols linked to data and a data area, a step of the electronic device dividing the data area into a plurality of blocks and changing the arrangement of the plurality of blocks, and a step of the electronic device encrypting and storing the data area after the change in arrangement, thereby changing the arrangement of the divided blocks to distribute a new QR code and enabling reading of the QR code through a dedicated application, thereby improving the security of the QR code. However, the conventional technology requires a separate dedicated application to read a QR Code with a changed block arrangement, which is inconvenient for users to use. In addition, there is a security issue in that the changed block arrangement may be photographed or captured and then used to restore the original state using a hacking program, which may lead to illegal theft. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Korean Patent No. 10-1609046 (Registration date: March 29, 2016) "System for preventing fraudulent use of credit cards by identifying users at close range" [Patent Document 2] Korean Patent Publication No. 10-2019-0051522 (Publication date: May 15, 2019) "QR Code (registered trademark) generating method and electronic device" Summary of the Invention [Problem to be solved by the invention]

[0005] The present invention has been made to solve the above problems, and its purpose is to solve the problem of credit card information being disclosed to others when making a payment with a credit card, generate a one-time payment security code so that even if a third party steals the generated payment security code, the code cannot be used again for payment, prevent the supplier from inputting a payment amount different from the actual amount, limit the amount that can be stolen, and weaken the intention of others to steal the payment, and provide a payment method using a one-time payment security code based on a color pixel code, which has the effect of enhancing security by using a previously unintroduced process of generating a one-time payment security code based on a color pixel code, a dynamic display method of the payment security code, and a payment method using a keychain payment dedicated card. [Means for solving the problem]

[0006] The above object can be achieved by the steps of: displaying a color grid image in which color pixels are combined in a dedicated application; arbitrarily determining color pixel codes corresponding to each color pixel of the color grid image in the dedicated application; a user selecting color pixels of the color grid image displayed in the dedicated application and inputting a user pattern into the dedicated application; and collecting color pixel codes of the color pixels corresponding to the user pattern in the dedicated application to generate a one-time payment security code.

[0007] Another method includes the steps of transmitting a payment approval request from the payment terminal of the provider to a central server, a step in which a keychain payment dedicated card linked to a user's dedicated application recognizes payment request information of the payment terminal of the provider, a step in which the payment request information of the payment terminal inputted to the keychain payment dedicated card is displayed in the dedicated application, a step in which a color grid image in which the payment request information and color pixels are combined is displayed in the dedicated application, a color pixel code corresponding to each color pixel of the color grid image is arbitrarily determined in the dedicated application, and a step in which a user selects the color pixel of the color grid image displayed in the dedicated application. This can be achieved by the steps of selecting a cell and inputting a user pattern into a dedicated application, collecting color pixel codes of color pixels corresponding to the user pattern in the dedicated application to generate a one-time payment security code, transmitting payment request information including the one-time payment security code and the amount to be paid from the dedicated application to a central server, and when the central server compares the payment request information received from the dedicated application with the payment request information received from the payment terminal and recognizes that the one-time payment security code is valid, the payment approval request transmitted from the payment terminal to the central server is approved by the central server and the payment is executed.

[0008] Alternatively, the method can be achieved by the steps of: a user inputting an amount to be paid into a dedicated application; displaying a color grid image combined with color pixels in the dedicated application; arbitrarily determining color pixel codes corresponding to each color pixel of the color grid image in the dedicated application; a user selecting color pixels of the color grid image displayed in the dedicated application and inputting a user pattern into the dedicated application; collecting color pixel codes of color pixels corresponding to the user pattern in the dedicated application and generating a one-time payment security code that can be used only for the input amount to be paid; transmitting the one-time payment security code from the dedicated application to a central server; transmitting a payment approval request from the payment terminal of the supplier to the central server;

[0009] As yet another method, this can be achieved by the steps of generating a one-time payment security code using a dedicated application, displaying the one-time payment security code as payment information, dividing the payment information into a number of blocks, continuously changing the arrangement of the divided payment information blocks, temporarily arranging the divided payment information blocks normally, a supplier's leader recognizing the payment information with the blocks temporarily arranged normally, and making a payment using the payment information recognized by the reader. Effect of the Invention

[0010] The payment method using the one-time payment security code based on the color pixel code according to the present invention, firstly, allows payment to be made without disclosing credit card information to others; secondly, since a one-time payment security code is generated for each payment, even if a third party steals the payment security code, the code cannot be used again for payment; thirdly, since the user can directly input and specify the payment amount, it is possible to prevent a supplier from inputting an error in the payment amount, and even if a third party steals (hacks) the payment security code, the profits that can be obtained from the code are limited, which weakens the intention to steal the code; and fourthly, even if a user inputs the same pattern in a color grid image, the color pixels of the color pixels arranged in the color grid image are not lost. Since the color pixel code is randomly arranged, a different one-time payment security code based on a color pixel code is generated each time, enhancing security. Fifth, the arrangement of payment information images such as QR codes and bar codes formed by the one-time payment security code based on a color pixel code can be continuously moved to prevent theft of payment information through a third party's photograph or a screen capture by a hacking program. Sixth, a payment card linked to a user's portable device in a keychain manner allows payment without transmitting the portable device to a third party, and only a one-time payment security code is provided to the provider through the payment card, thereby enhancing security. [Brief description of the drawings]

[0011] [Figure 1] 1 is a conceptual diagram illustrating an implementation of a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Diagram 2] 1 is a conceptual diagram illustrating an implementation of a key pay method of a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Diagram 3]1 is a conceptual diagram illustrating an implementation of a color pay method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 4] 1 is a conceptual diagram illustrating an implementation of a LightPay method of a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Diagram 5] 11 is a diagram illustrating an actual execution screen of a dynamic display method of a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 6] Same as above [Figure 7] Same as above [Figure 8] Same as above [Figure 9] 4 is a flowchart of a key pay method of a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 10] Same as above [Figure 11] 11 is a screen showing an actual execution process of changing the arrangement of each color pixel of a color grid image in a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 12] Same as above [Figure 13] 1 is a conceptual diagram illustrating an implementation of a payment method in which a buyer pays a fee to a seller in a person-to-person transaction in a payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 14a] 13 is an actual demonstration of a key pay payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. [Figure 14b] Same as above [Figure 14c] Same as above [Figure 14d] Same as above [Figure 14e] Same as above [Figure 14f] Same as above [Figure 14g] Same as above [Figure 14h] Same as above [Figure 14i] Same as above [Figure 14j] Same as above [Figure 14k] Same as above [Figure 14l] Same as above [Figure 14m] Same as above [Figure 14n] Same as above [Figure 15a] Same as above [Figure 15b] Same as above [Figure 15c] Same as above [Figure 15d] Same as above [Figure 15e] Same as above [Figure 15f] Same as above [Figure 15g] Same as above [Figure 15h] Same as above [Figure 15i] Same as above [Figure 15j] Same as above [Figure 15k] Same as above [Figure 16] 4 is a flowchart of an online or telephone payment method using a one-time payment security code based on a color pixel code according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] For a fuller understanding of the invention, its operating advantages, and the objects attained by its practice, reference should be made to the accompanying drawings, in which preferred embodiments of the invention are illustrated, and the contents thereof which are set forth in the drawings.

[0013] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail by describing preferred embodiments of the present invention with reference to the accompanying drawings.

[0014] The payment method using a one-time payment security code based on a color pixel code according to the first embodiment of the present invention is roughly divided into three methods as shown in Figs. 1 to 4, which are called Key Pay, Color Pay, and Light Pay for convenience of explanation. The step of generating a one-time payment security code based on a color pixel code, which is commonly applied to Key Pay, Color Pay, and Light Pay, includes the steps of displaying a color grid image in which color pixels are combined in a dedicated application, arbitrarily determining color pixel codes corresponding to each color pixel of the color grid image in the dedicated application, a user selecting color pixels of the color grid image displayed in the dedicated application and inputting a user pattern into the dedicated application, and collecting color pixel codes of color pixels corresponding to the user pattern in the dedicated application to generate a one-time payment security code.

[0015] The KeyPay payment method according to the first embodiment of the present invention is performed in the following steps as shown in FIG. 1 and FIG. 2. The payment approval request is transmitted from the payment terminal of the supplier to the central server, the keychain payment card linked with the user's dedicated application recognizes the payment request information of the payment terminal of the supplier, the payment request information of the payment terminal inputted to the keychain payment card is displayed in the dedicated application, a color grid image in which the payment request information and color pixels are combined is displayed in the dedicated application, a color pixel code corresponding to each color pixel of the color grid image is arbitrarily determined in the dedicated application, and the user selects the payment request information displayed in the dedicated application. the dedicated application to collect color pixel codes of the color pixels corresponding to the user pattern and generate a one-time payment security code; the dedicated application to transmit payment request information including the one-time payment security code and the amount to be paid to a central server; and when the central server compares the payment request information received from the dedicated application with the payment request information received from the payment terminal and recognizes that the one-time payment security code is valid, the central server approves the payment approval request transmitted from the payment terminal to the central server, thereby executing the payment.

[0016] The color pay payment method according to the first embodiment of the present invention is carried out in the following steps as shown in FIG. 1 and FIG. 3. The steps are: a step of a user inputting an amount to be paid into a dedicated application; a step of a color grid image combined with color pixels being displayed in the dedicated application; a step of a color pixel code corresponding to each color pixel of the color grid image being arbitrarily determined in the dedicated application; a step of a user selecting color pixels of the color grid image displayed in the dedicated application and inputting a user pattern into the dedicated application; and a step of a color pixel code of a color pixel corresponding to the user pattern being collected in the dedicated application and used only for the input amount to be paid. the step of generating a possible one-time payment security code, the step of transmitting the one-time payment security code from the dedicated application to a central server, the step of transmitting a payment approval request from the payment terminal of the supplier to the central server, the step of transmitting the one-time payment security code from the dedicated application to the payment terminal of the supplier, the step of transmitting the one-time payment security code from the payment terminal to the central server, and the step of the central server comparing the one-time payment security code received from the dedicated application with the one-time payment security code received from the payment terminal and, if they match, approving the payment approval request transmitted from the payment terminal to the central server in the central server, and executing the payment.

[0017] The one-time payment security code of the Color Pay method can be displayed and transmitted as payment information, and the display and transmission methods of the payment information can be broadly divided into three methods: a dynamic display method, a near-field wireless communication method, and a key pay method.

[0018] In displaying the payment information, the dynamic display method includes, as shown in Figures 5 to 8, the steps of generating a one-time payment security code by a dedicated application, displaying the one-time payment security code as payment information, dividing the payment information into a number of blocks, continuously changing the arrangement of the divided payment information blocks, temporarily arranging the divided payment information blocks normally, a supplier's leader recognizing the payment information in which the blocks are temporarily arranged normally, and making a payment using the payment information recognized by the leader. Payment information of the Color Pay method can be transmitted to a payment terminal using this dynamic display method.

[0019] To explain the dynamic display method in more detail, the step of dividing the generated payment information into a number of blocks can be performed by pressing a dynamic display button for payment information (corresponding to the "SAFETY BUTTON" displayed at the center bottom of Figs. 5 and 6) separately just before making a payment after the payment information is generated, or by pressing the same button as the input button for completing password input and the dynamic display button for payment information. Here, the dictionary definition of "block" is interpreted as a lump of a certain size made of wood, stone, concrete, etc., but in the description of the present invention, the term "block" is used to refer to the divided pieces, meaning that the block does not necessarily have a specific shape or size, but simply means that the entire shape of the payment information is divided into two or more pieces.

[0020] The step of continuously changing the arrangement of the divided payment information blocks is, for example, like a sliding puzzle, where when an empty space is created, an adjacent block moves into that space. In this case, the adjacent blocks may move into the empty space, or the blocks may move randomly to the positions of the other blocks at the same time, or the blocks may all move one frame at a time in the same direction, or move as if they are swirling in a circle, or in a variety of other ways. In this case, the key point of the step of changing the arrangement of the payment information blocks is to prevent the payment information in a normal form from being recognized, photographed, or captured by the naked eye, a camera, or unauthorized software, etc. and being stolen.

[0021] The step of temporarily arranging the divided blocks of payment information normally may be repeated at a certain period. At this time, the speed for defining the length of the moment when the block of payment information is temporarily arranged normally while the block of payment information is being changed is within the recognition speed range of the reader. For example, if the recognition speed range of the reader scanning the payment information is 100 to 500 times per second, the speed at which the block of payment information is changed is set to 30 to 60 times per second, and the block of payment information can be arranged normally for a duration of about 0.017 (≒1 / 60) to 0.333 (≒1 / 30) seconds. The step of the reader recognizing the payment information with the normally arranged blocks is performed during the duration of the normally arranged payment information. This duration is so fast that it is difficult to clearly recognize the normally arranged payment information with the naked eye, and it is effective in making it impossible to steal the payment information by illegally taking a picture with a camera or capturing a smartphone screen with illegal software.

[0022] When a near field communication method is applied to the transmission of the payment information, the method by which the one-time payment security code is transmitted to the supplier's payment terminal in the Color Pay method may be a contactless method such as near field communication (NFC).

[0023] When the key pay method is applied to the transmission of the payment information, the method can include a step of transmitting a one-time payment security code from a dedicated application to a keychain payment dedicated card linked to the user's dedicated application, and a step of the payment terminal recognizing the keychain payment dedicated card and transmitting the one-time payment security code from the keychain payment dedicated card to the payment terminal.

[0024] To explain the key pay method in more detail, as shown in Figure 9, this is a method for avoiding handing over a smartphone or credit card directly to another person when making a payment, and applies a method in which the user inputs the amount to be paid so that the amount input from the user's dedicated application or the supplier's payment terminal is paid at the supplier's payment terminal.The method includes the steps of issuing a payment-only card, which is a keychain card linked to payment security code information generated by the user's dedicated application for payment approval, to the user (S11), installing a dedicated application linked to the payment-only card on the user's portable electronic device such as a smartphone (S12), inputting the amount to be paid by the user using the dedicated application, generating a payment security code in the user's dedicated application and linking the payment security code information to the payment-only card (S14), making a payment at the payment terminal using the payment-only card (S15), and executing the payment (S16).

[0025] Alternatively, as a modified method, a method in which only the supplier inputs the amount to be paid can be applied, as shown in Figure 10, which includes a step (S21) of issuing to the user a payment-only card, which is a keychain card linked to payment security code information generated by the user's dedicated application for payment approval, a step (S22) of installing a dedicated application linked to the payment-only card on the user's portable electronic device such as a smartphone, a step (S23) of the supplier inputting the amount to be paid by the user into a payment terminal, a step (S24) of the user making a payment at the payment terminal using the payment-only card, a step (S25) of linking the payment-only card with the dedicated application and displaying the amount to be paid in the user's dedicated application, a step (S26) of generating a payment security code for the amount to be paid in the dedicated application and the user approving the payment using the dedicated application, and a step (S27) of executing the payment.

[0026] The keychain method is a method for synchronizing data between multiple devices, and serves to synchronize a payment card with a portable electronic device such as a user's smartphone, and the keychain is a defined collection of data that can include a password, a private key, a certificate, a secure note, etc. As a method for preventing a smartphone or credit card from being directly handed over to a third party when making a payment, a payment card is issued that functions as a keychain card that links payment security code information generated by a user's dedicated application, and the payment card only functions to link approval, for example, by wirelessly contacting the payment card with the payment terminal so that the amount entered or approved on the smartphone is paid at the payment terminal.

[0027] The LightPay payment method according to the first embodiment of the present invention is performed in the following steps as shown in FIG. 1 and FIG. 4, which include a step of displaying a color grid image in which color pixels are combined in a dedicated application, a step of arbitrarily determining color pixel codes corresponding to each color pixel of the color grid image in the dedicated application, a step of a user selecting color pixels of the color grid image displayed in the dedicated application and inputting a user pattern into the dedicated application, a step of collecting color pixel codes of color pixels corresponding to the user pattern in the dedicated application and generating a one-time payment security code, and a step of collecting color pixel codes of color pixels corresponding to the user pattern in the dedicated application. the supplier inputting the amount to be paid by the user at the payment terminal and transmitting a payment approval request from the supplier's payment terminal to the central server; the one-time payment security code being transmitted from the dedicated application to the supplier's payment terminal; the one-time payment security code being transmitted from the payment terminal to the central server; and the central server comparing the one-time payment security code received from the dedicated application with the one-time payment security code received from the payment terminal and, if they match, the payment approval request transmitted from the payment terminal to the central server is approved by the central server and the payment is executed.

[0028] The step of transmitting a one-time payment security code from the dedicated application of the LightPay method to the payment terminal of the supplier may include a step of applying a dynamic display method to display the one-time payment security code as payment information, a step of dividing the payment information into a number of blocks, a step of continuously changing the arrangement of the divided payment information blocks, a step of temporarily arranging the divided payment information blocks normally, and a step of the supplier's leader recognizing the payment information with the blocks temporarily arranged normally.

[0029] The method of transmitting the one-time payment security code from the dedicated application of the LitePay method to the payment terminal of the supplier may be a contactless method such as Near Field Communication (NFC).

[0030] The transmission method of the step of transmitting a one-time payment security code from the dedicated application of the LitePay method to the payment terminal of the supplier may include a step in which the KeyPay method is applied, and the one-time payment security code is transmitted from the dedicated application to a keychain payment dedicated card linked to the user's dedicated application, and a step in which the payment terminal recognizes the keychain payment dedicated card and the one-time payment security code is transmitted from the keychain payment dedicated card to the payment terminal.

[0031] In order to further increase the user's convenience in the first embodiment of the present invention, the user can set the step of inputting a user pattern into the dedicated application by selecting color pixels of a color grid image displayed on the dedicated application to be performed automatically, and when the automatic input of the user pattern is set and the dedicated application operates in the background of the user terminal, the entire payment step can be performed using a keychain payment dedicated card linked with the dedicated application without the user having to operate the user terminal separately. Such an automatic input setting of the usage pattern can be applied to each of the key pay method, the color pay method, and the light pay method.

[0032] In the first embodiment of the present invention, the color grid image can be formed as an image including an advertisement, and an advertising effect is generated as the user views the advertisement while drawing the user pattern by hand, etc., and thus, it is possible to generate revenue by registering advertisements of companies, etc. in a dedicated application, and it is also possible to induce more user participation by paying a portion of this revenue to the user.

[0033] In the first embodiment of the present invention, as shown in Figures 11 and 12, the arrangement of each color pixel in the color grid image on the upper right side is continuously changed and moves arbitrarily, and when a user first selects the color grid image, a method can be applied in which the arrangement is fixed, thereby further enhancing security regarding the one-time payment security code.

[0034] In the second embodiment of the present invention, as shown in FIG. 13, when a buyer wishes to make a payment to pay a fee to a seller in a person-to-person transaction, a payment method using a one-time payment security code based on a color pixel code includes the steps of registering and installing a POS (point of sales) of a personal account capable of card payment in a seller's dedicated application, inputting an amount to be paid by the buyer to the buyer's dedicated application, generating a one-time payment security code based on a color pixel code in the dedicated application by the buyer, the one-time payment security code that can be used only for the payment of the input amount, transmitting the one-time payment security code from the buyer's dedicated application to a central server, transmitting the one-time payment security code based on the color pixel code to the seller's POS, transmitting a payment approval request and the one-time payment security code from the seller's POS to the central server, and if the one-time payment security code received from the buyer's dedicated application and the one-time payment security code received from the seller's POS match each other, the central server approves the payment approval request transmitted from the seller's POS to the central server, and the payment is executed.

[0035] In addition, in order to enhance the security of the payment security code in the present invention, a single payment security code corresponding to each color pixel of the color grid image is randomly generated each time so that a different payment security code can be generated each time even if the pattern of the user's touching the color grid image with his / her hand is the same. The arrangement of each color pixel of the color grid image is continuously changed and moves randomly, and a function of stopping the moment the user touches the color grid image with his / her hand can be added.

[0036] In addition, the method of forming the payment security code in the present invention by combining the payment security code may be characterized in that, when a user first touches a color pixel of the color grid image with a hand or the like, a single payment security code of the first touched color pixel is arbitrarily determined, a single payment security code of the second touched color pixel is determined after the first touched color pixel, and the single payment security code of the first touched color pixel and the single payment security code of the second touched color pixel are combined to generate a new single payment security code, thereby forming the value of the payment security code.

[0037] In the key pay method of the first embodiment of the present invention, the procedure for generating a payment security code for a method in which a user inputs the amount to be paid can be seen with reference to Figures 14a to 14n, and the procedure for generating a payment security code for a method in which a supplier inputs the amount to be paid can be seen with reference to Figures 15a to 15k.

[0038] When payment between a supplier (or seller) and a user (or buyer) is made using these methods, as shown in Figures 15i to 15k, after payment is completed, a paper or web receipt is issued to the supplier (or seller), or the user (or buyer), or both the supplier (or seller) and the user (or buyer), and advertisements provided by a dedicated application can be displayed on one side of the paper or web receipt.

[0039] In one embodiment of the present invention, a one-time card number (OTC) is generated using the generated one-time payment security code, and online or telephone payment can be made using the one-time card number, as shown in Fig. 16. In addition, when making the online or telephone payment, the user can set the payment amount of the one-time payment security code, and the process can include the steps of the user selecting a one-time card number menu in a dedicated application, inputting the amount to be paid, selecting a color pixel code, generating a one-time card number corresponding to the one-time payment security code, and inputting the one-time card number into an online payment site to make an online payment, inputting the one-time card number into a numeric keypad for telephone payment, or verbally conveying the one-time card number to a counselor to make a telephone payment.

[0040] As described above, preferred embodiments are disclosed in the drawings and the specification. Although specific terms are used herein, they are merely used for the purpose of describing the present invention, and are not used to limit the meaning or the scope of the present invention described in the claims. Therefore, a person having ordinary knowledge in the art will understand that various modifications and equivalent other embodiments are possible from these embodiments. Therefore, the true technical scope of protection of the present invention should be determined by the technical ideas of the attached claims.

Claims

[Claim 1] In a method for effecting a payment, The payment method using a one-time payment security code based on a color pixel code is When executing a settlement in a transaction between individuals in which the buyer pays the seller, Registering a POS (point of sales) of a personal account capable of card payment in a seller's dedicated application and installing it; A step of inputting an amount to be paid by the buyer to the seller in a buyer's dedicated application; generating a one-time payment security code based on a color pixel code that can be used only for the payment of the input amount in a dedicated application of the buyer; the buyer's dedicated application transmitting a one-time payment security code to a central server; The buyer's dedicated application transmits a one-time payment security code based on a color pixel code to a seller's POS; the seller's POS transmitting a payment authorization request and a one-time payment security code to the central server; a central server comparing the one-time payment security code received from the buyer's dedicated application with the one-time payment security code received from the seller's POS, and if they match, the central server authorizes the payment authorization request transmitted from the seller's POS to the central server and executes the payment; The step of transmitting a one-time payment security code based on a color pixel code from the buyer's dedicated application to a seller's POS includes: generating a one-time payment security code in the buyer's dedicated application; A step of displaying a one-time payment security code as payment information on the buyer's dedicated application; A step in which payment information is divided into a number of blocks in the buyer's dedicated application; A step of continuously changing the arrangement of the divided payment information block in the buyer's dedicated application; The divided payment information block is temporarily arranged normally in the buyer's dedicated application; The seller's leader temporarily recognizes the settlement information in which the block has been normally placed, A payment method using a one-time payment security code based on a color pixel code, characterized in that in a step in which a payment approval request transmitted from a seller's POS to a central server is approved by the central server and the payment is executed, the payment is executed by the central server using the payment information recognized by the reader.

Images