Secure payment method using dynamic display of one-time payment code

Abstract

The present invention relates to a secure payment method using dynamic display of a one-time payment code and, more specifically, to a secure payment method using dynamic display of a one-time payment code, in which, when payment is performed using a payment code displayed on a screen such as a merchant POS device, a smartphone and the like, for example, a QR code, a barcode and the like, an image of the payment code is divided into a plurality of blocks and provided as a one-time payment code that uniquely changes each scanning time that the blocks move, rotate and invert and some blocks undergo image replacement and are in a hidden state, so that threats of hacking or duplication are blocked, and a series of payment processes can be confirmed and performed through a user terminal.

Description

Secure payment method through dynamic display of one-time payment codes

[0001] The present invention relates to a secure payment method through the dynamic display of a one-time payment code. More specifically, when making a payment using a payment code displayed on a screen such as a merchant POS device or a smartphone, e.g., a QR code or a barcode, the image of the payment code is divided into multiple blocks and provided as a one-time payment code that uniquely changes at each scanning point, such as when the blocks are moved, rotated, inverted, the images of some blocks are replaced, or the code is hidden. This method blocks threats from hacking or duplication and allows a series of payment processes to be verified and executed through a user terminal.

[0002]

[0003] Payment codes, which are generally read using devices such as code readers, consist of numbers or symbols such as QR codes (Quick Response Codes), barcodes, and serial numbers recorded on smartphone screens, paper, or cards. They contain information necessary for users to request or approve payment for goods or services provided by a supplier. Among these, a QR code, a type of payment code, is a two-dimensional matrix barcode composed of multiple location identification symbols and data areas designed for rapid information reading. It is a two-dimensional code that contains various information within a square-shaped black-and-white grid pattern. As the QR code contains a large amount of data, small squares increase at regular intervals. It can store up to approximately 7,089 digits, 4,296 characters (ASCII), 1,817 Chinese characters, and 1,700 Korean characters. QR codes are generally utilized by launching a QR code recognition application on a smartphone and scanning them with a QR code reader, scanner, or the smartphone camera to quickly read the content stored within. Consequently, it is common practice to save QR code images containing payment systems, coupons, or top-up amount information on a smartphone and then use them as a payment method by scanning the stored images with a reader provided at the store. Furthermore, services like Korea's Zero Pay and Kakao Pay print and display store-specific QR codes, enabling convenient payments when customers scan them using a specific application installed on their smartphone camera. QR codes are also used across a wide range of fields, including mobile express bus tickets, Korail home tickets, advertising posters, admission tickets, answer links in workbooks, website links, and contact information.

[0004] However, as such convenient QR codes are used as payment methods, the issue of illegal misappropriation has been raised, as anyone can use them simply by possessing the image of the QR code. To address these problems with QR codes, Registered Patent No. 10-2497924 (Registration Date: February 6, 2023), titled "Dynamic Display Method of Payment Code with Enhanced Security Function," was disclosed as a technology to strengthen security. The content of the patent describes a payment code image that is divided into multiple blocks, mixed, and moved, thereby preventing misappropriation through illegal filming or screen capturing. Additionally, it has the effect of improving the security of the QR code by using a QR code that is temporarily placed normally to proceed with payment. However, the aforementioned prior art had limitations in that the usage method of the QR code with changing block placement was limited for the user, and it only described a fixed payment method involving the generation of a payment code on a user terminal and the scanning of the payment code on a payment terminal.

[0005]

[0006] The objective of the present invention is to solve these problems by providing a secure payment method through the dynamic display of a one-time payment code, wherein the one-time payment code is provided as a QR code or barcode that changes uniquely each time it is scanned by a dedicated application installed on a user terminal or a payment terminal, and each block fragment contains a part of the one-time payment code, so that if the payment code does not take on a complete form during payment, the entire payment code cannot be restored from the outside using only the fragments, thereby reducing the threat of hacking or duplication and enhancing the security of the payment.

[0007]

[0008] This objective of the present invention can be achieved by a secure payment method through dynamic display of a one-time payment code, characterized by comprising: a step of generating a one-time payment code in a dedicated application installed on a user terminal or a payment terminal; a step of dividing the one-time payment code generated in the dedicated application into a plurality of blocks; a step of changing some of the divided one-time payment code blocks into an image replacement or hidden state; a step of continuously changing the arrangement of the one-time payment code blocks; a step of temporarily arranging the one-time payment code blocks normally in the form of a completed payment code; a step of recognizing the temporarily normally arranged one-time payment code by a code reader of the user terminal or the payment terminal; and a step of completing the payment with the payment code recognized by the code reader.

[0009] It is possible for the entity responsible for generating and outputting the one-time payment code to be switched from the payment terminal to the user terminal, and for the entity responsible for recognizing the one-time payment code through the code reader to be switched from the user terminal to the payment terminal.

[0010] In addition, this objective of the present invention can be achieved by a secure payment method through dynamic display of a one-time payment code, characterized by comprising: a step of generating a one-time payment code in a dedicated application installed on a payment terminal; a step of dividing the one-time payment code generated in the payment terminal into a plurality of blocks and outputting it on a screen in an abnormal arrangement state; a step of requesting a periodic and temporary normal arrangement state of the divided one-time payment code in the payment terminal; a step of recognizing the normally arranged one-time payment code through a code reader of the user terminal; a step of generating a one-time payment window in a dedicated application installed on the user terminal through the recognized one-time payment code and inputting user confirmation details for the payment; a step of popping up a payment request notification through the user terminal and inputting a handwritten signature; a step of outputting a payment approval screen including the input user's handwritten signature and payment information in the payment terminal; and a step of completing the payment and outputting a receipt along with an advertisement to the payment terminal and the user terminal.

[0011] In addition, this objective of the present invention can be achieved by a secure payment method through dynamic display of a one-time payment code, characterized in that the divided one-time payment code blocks are partially or entirely changed in an image replacement or hidden state, and dynamic display is possible in which the arrangement of the blocks is continuously changed, including block position change, block rotation, and inversion.

[0012]

[0013] The secure payment method using dynamic display of a one-time payment code according to the present invention has, first, the effect of reducing the threat of hacking or duplication and enhancing the safety of the payment by adding an additional security element to the process of scanning the payment code, as the one-time payment code is provided in a state that changes uniquely at each time it is scanned; and second, since each block fragment contains a part of the one-time payment code, the entire payment code cannot be restored from the outside using only the fragments, making it nearly impossible to duplicate the payment code, thereby enabling enhanced security.

[0014]

[0015] FIG. 1 is a sequence block diagram of a secure payment method through dynamic display of a one-time payment code according to a first embodiment of the present invention.

[0016] FIG. 2 is an example diagram of a divided block placement movement method and block image replacement or hidden state of a one-time payment code through a QR code method according to the first embodiment of the present invention.

[0017] FIG. 3 is an example diagram of the step in which a one-time payment code generated at a payment terminal is scanned in a secure payment method through dynamic display of a one-time payment code via a QR code method according to the first and second embodiments of the present invention.

[0018] FIG. 4 is an actual state diagram of an abnormal arrangement state of a one-time payment code generated at a user terminal of a secure payment method through dynamic display of a one-time payment code via a QR code method according to the first and modified second embodiments of the present invention.

[0019] FIG. 5 is an actual state diagram of the normal arrangement state of a one-time payment code generated at a user terminal of a secure payment method through dynamic display of a one-time payment code via a QR code method according to the first and modified second embodiments of the present invention.

[0020] FIG. 6 is a sequence block diagram of a payment process of a secure payment method through dynamic display of a one-time payment code according to a second embodiment of the present invention.

[0021] FIG. 7 is a sequence block diagram of the payment process of a secure payment method through dynamic display of a one-time payment code according to a modified second embodiment of the present invention.

[0022] FIG. 8 is an example diagram of a monitoring step of a secure payment method through dynamic display of a one-time payment code according to a second embodiment of the present invention.

[0023] FIG. 9 is an example of a segmented block placement movement method of a secure payment method through dynamic display of a one-time payment code via a barcode method.

[0024]

[0025] In order to fully understand the present invention, the operational advantages of the present invention, and the objectives achieved by embodiments of the present invention, reference should be made to the accompanying drawings illustrating preferred embodiments of the present invention and the contents described therein.

[0026] Hereinafter, the present invention will be described in detail by explaining preferred embodiments of the present invention with reference to the attached drawings.

[0027] A secure payment method through dynamic display of a one-time payment code according to the first embodiment of the present invention comprises, as illustrated in FIG. 1, a step (S1) of generating a one-time payment code for payment in a dedicated application installed on a user terminal or a payment terminal; a step (S2) of dividing the one-time payment code generated in the dedicated application into a plurality of blocks; a step (S3) of changing some of the divided one-time payment code blocks into an image replacement or hidden state; a step (S4) of continuously changing the arrangement of the one-time payment code blocks; a step (S5) of temporarily arranging the one-time payment code blocks normally in the form of a completed payment code; a step (S6) of recognizing the temporarily normally arranged one-time payment code in a code reader of the user terminal or a payment terminal; and a step (S7) of proceeding with and completing payment using the payment code recognized by the code reader.

[0028] In order to generate the one-time payment code of the present invention in the above one-time payment code generation step (S1), a dedicated application is installed on a user terminal (smartphone, etc.) and a payment terminal (merchant POS machine, smartphone, kiosk, etc.), and when the amount to be paid is set by the supplier on the payment terminal and the user presses the 'Pay' button on the dedicated application or the user directly enters the amount to be paid on the dedicated application, the configuration of the one-time payment code for the payment is arbitrarily determined internally by the program of the dedicated application or the dedicated application server, and the one-time payment code is generated.

[0029] The above one-time payment code is generated in the form of a QR code, barcode, etc., by a dedicated application installed on the user terminal or payment terminal to be used for payment.

[0030] Even if a dedicated application is not installed on the payment terminal, a one-time payment code generated by a dedicated application installed on a user terminal can be read through a universal code reader of all payment terminals, but the dedicated application is required when generating and outputting a one-time payment code that is dynamically displayed on the payment terminal.

[0031] The step (S2) in which the above one-time payment code is divided into multiple blocks is intended to increase the number of cases for dynamic display after the one-time payment code is generated as a QR code or barcode, by dividing it into blocks so that block image replacement and block arrangement change are easy.

[0032] Here, the term 'block' is interpreted as a lump of a certain size according to the dictionary definition, but in the description of the present invention, the block does not necessarily have a specific shape or size, and the term 'block' is used to refer to the divided pieces to explain that the entire form of the one-time payment code can be divided into multiple pieces and additionally have a special structure or function that helps with security.

[0033] The one-time payment code of the present invention can be generated and output by dividing it into blocks, and each block fragment contains a part of the one-time payment code generated by a dedicated application in the background, so the entire payment code cannot be verified externally, and the payment code cannot be restored using only these fragments. In addition, a new one-time payment code is generated for each payment, and the previous code is invalidated.

[0034] In the present invention, for the sake of convenience of explanation, the QR code is exemplified as a rectangular block and the barcode as an upper, middle, and lower block, but the shape or number of blocks may be changed.

[0035] As described above, the secure payment method using dynamic display of a one-time payment code enables enhanced security because each block fragment contains a portion of the one-time payment code, making it impossible to reconstruct the entire payment code from the outside using only the fragments, thereby making it nearly impossible to duplicate the payment code.

[0036] The image change step (S3) of the divided one-time payment code blocks is performed by replacing the block image of some or all of the divided blocks and hiding the blocks, as shown in FIG. 2.

[0037] By replacing the above block image, it is possible to output an advertising image of the relevant franchisee to evoke an advertising effect in the user of the dedicated application, or to output a character image preferred by the user to provide visual enjoyment to the user.

[0038] The above block hiding outputs the divided blocks in a hidden state, as transparent empty blocks.

[0039] The step (S4) of changing the arrangement of the one-time payment code blocks is performed by changing the block position, rotating the block, and reversing it, as shown in FIG. 2, and the two methods can be operated together whenever the frame of the QR code changes. In addition, in the case of a barcode, as shown in FIG. 9, the arrangement of the upper, middle, and lower blocks can be operated in various ways, such as by moving the blocks in the same or different certain directions whenever the frame of the barcode changes, thereby changing the shape of each line forming the barcode.

[0040] As illustrated in FIGS. 2, 4, and 9, the above one-time payment code is generated by a dedicated application installed on a user terminal or a payment terminal and consists of several blocks used for payment. From the moment the payment code is displayed on the screen, each block of the payment code is continuously moved in a manner that involves random position changes, rotation several times in either a clockwise or counterclockwise direction, and inversion in an up-down-left-right or X-shaped diagonal direction, thereby maintaining an abnormal arrangement state that cannot be read by the code reader.

[0041] The number of dynamic display cases for a one-time payment code in the form of a QR code output from the above user terminal or payment terminal is, for example, assuming that the number of divided block pieces of the payment code is configured as 36 in a 6 x 6 arrangement and there are 10 hidden blocks that are randomly obscured from view among the total blocks, and that the blocks are each randomly rotated or flipped in 4 directions * 4 directions and simultaneously changed in position, the number of cases for a static screen of the QR code operating in the manner of block position change, block rotation and flipping, block image replacement, and block hiding is the number of block placement cases '(36!)' * number of hidden blocks' ( 38 C 10 )'*Number of cases for random rotation and inversion of each block'(4*2) 38 ' = (36!) * ( 38 C 10 ) * (4*2) 38 = 3.06851161 x 10 82 Since the value is obtained, if the dynamic display method of a one-time payment code through the block QR code method of the present invention is implemented, it is possible for the number of cases to be close to infinite.

[0042] The secure payment method using the dynamic display of a one-time payment code as described above has the effect of reducing the threat of hacking or duplication and enhancing the safety of the payment by adding an additional security element to the process of scanning the payment code through the provision of a payment code that changes uniquely each time the one-time payment code is scanned.

[0043] The step (S5) in which the blocks of the one-time payment code are properly arranged is performed as shown in FIGS. 5 and FIGS. 9, such that a user or provider requests payment by pressing a 'normal arrangement activation button' (corresponding to 'Block QR' displayed in the center of FIG. 3 and 'SAFETY PAYMENT MODE' displayed at the bottom center of FIG. 5, barcode not shown) in a dedicated application so that the payment code in an abnormal arrangement state is temporarily and repeatedly arranged to its original state at a certain cycle. The speed at which the payment code is temporarily changed to a normal arrangement is set to be within the recognition speed range of the code reader of the user terminal or payment terminal using the dedicated application, so that the payment code is properly arranged during the duration, and the one-time payment code recognition and payment can proceed.

[0044] The step (S6) in which the above-mentioned properly deployed one-time payment code is recognized by the code reader is performed during the duration of the above-mentioned properly deployed payment code, and such duration is fast enough that it is difficult to recognize the original of the properly deployed payment code with the naked eye, and since the payment code is properly deployed at the time the user wants, it may also be impossible to misuse the payment code by illegally photographing it with a camera or capturing the smartphone screen with illegal software.

[0045] The above code reader includes a camera and a reader, etc., included in a user terminal, and a camera and a code reader, etc., included in a payment terminal.

[0046] The payment step (S7) using the above one-time payment code is performed such that the code reader recognizes the original of the above payment code and the payment is carried out through the payment information contained in the above one-time payment code.

[0047] If, during the above payment step (S7), the user wishes to verify whether the payment progress is proceeding correctly through a dedicated application installed on the user terminal, which is different from the general method of verifying final payment information and signing by hand on the payment terminal, as illustrated in FIG. 8, the user can change the monitoring function of the dedicated application to operate so that a payment request notification window pops up through the dedicated application, and a one-time payment window is generated and displayed on the user terminal to verify final payment information such as the card used for payment; the payment amount of the product or service; the merchant information where the payment is being made; and the tip setting to be paid additionally. After the user verifies the final payment information, the payment request can be completed on the user terminal through a user authentication method such as authentication of handwritten signature input by contacting the 'direct signature field' displayed at the bottom of the one-time payment window; biometric authentication through face recognition, fingerprint recognition, iris recognition, pupil response recognition, voice recognition, etc.; and payment password authentication through a password or pattern. In this case, users can monitor the overall payment process through their devices, enabling efficient and secure payment verification and execution, as well as reducing the exposure of personal information.

[0048] The above monitoring function can be turned on or off by changing the monitoring function settings through a dedicated application installed on the user terminal.

[0049] It can be said that the one-time payment code of the present invention can be provided with a security effect that prevents external exposure or duplication by visual inspection, photography, or capturing, as long as a code reader capable of optically reading the format or form exists, regardless of the format or form of the payment code, while the arrangement of the blocks is changed as described in the content of the present invention.

[0050] A secure payment method through dynamic display of a one-time payment code generated and output from a payment terminal according to a second embodiment of the present invention comprises, as illustrated in FIG. 6, a step of generating a one-time payment code in a dedicated application installed on a payment terminal; a step of dividing the one-time payment code generated in the payment terminal into a plurality of blocks and outputting it on the screen of the payment terminal in an abnormal arrangement state; a step of requesting a periodic and temporary normal arrangement state of the one-time payment code from the payment terminal; a step of recognizing the normally arranged one-time payment code through a code reader of the user terminal; a step of generating a one-time payment window in a dedicated application installed on the user terminal through the recognized one-time payment code and inputting user confirmation details for the payment; a step of popping up a payment request notification through the user terminal and inputting a handwritten signature; a step of outputting a payment approval screen including the input user's handwritten signature and payment information from the user terminal and the payment terminal; and a step of completing the payment and outputting a receipt along with an advertisement to the payment terminal and the user terminal.

[0051] The step of generating a one-time payment code in a dedicated application installed on the payment terminal and the step of dividing the one-time payment code generated by the payment terminal into multiple blocks and outputting it on the payment terminal screen in an abnormal arrangement state are the same as the step of generating the one-time payment code (S1), the step of dividing the one-time payment code into multiple blocks (S2), the step of changing the images of the divided one-time payment code blocks (S3), and the step of changing the arrangement of the one-time payment code blocks (S4), wherein the payment terminal is limited to a device having a function and environment in which a dedicated application can be installed and a one-time payment code can be generated and output.

[0052] The above abnormal placement state refers to the default state after the generation of the one-time payment code, in which dynamic display for security is operated by means of block image replacement or block hiding, block position change, block rotation, or inversion, and the above normal placement state refers to a payment-enabled state in which the original one-time payment code is output periodically and temporarily.

[0053] The step of requesting the temporary normal placement of the divided one-time payment code at the payment terminal comprises, as described in the step (S5) in which the blocks of the one-time payment code are normally placed, pressing a normal placement activation button at the payment terminal and having the payment code in an abnormal arrangement state temporarily repeat a certain cycle to be normally placed back to its original state. If normal placement activation is not input through the normal placement activation button, the original normally placed QR code is not recognized by the code reader of the user terminal, and since the payment information cannot be verified, the payment is canceled.

[0054] In the step where the one-time payment code that has been properly arranged is recognized through the code reader of the user terminal, the one-time payment code can be recognized through the code reader because the temporary and continuous display and output of the QR code's proper arrangement operates at a rapid speed, making it impossible to verify even if it appears to be in an abnormal arrangement state to the naked eye.

[0055] The above user verification input involves the user requesting payment from a financial institution by entering information corresponding to the above user authentication method, including biometric authentication or payment password authentication, and the payment is finally approved through the above handwritten signature input.

[0056] The above method of final approval is not limited to the input of a handwritten signature, but allows the user to request approval for the payment through other user verification input methods or through buttons such as 'Payment Approval' or 'Confirm' displayed on the terminal screen.

[0057] The steps of a payment request notification popping up through the user terminal and a handwritten signature being entered, and a payment approval screen including the entered user's handwritten signature and payment information being displayed on the user terminal and the payment terminal, are processes in which the monitoring function is operated. As illustrated in FIG. 8, the user presses the payment request notification popup displayed on the user terminal screen, confirms information regarding the payment currently in progress including the payment card; payment amount; merchant information, etc., and then signs the handwritten signature by direct contact through the user terminal. The payment approval screen including the payment information and handwritten signature indicating that the payment has been completed is then displayed on the user terminal and the payment terminal.

[0058] The payment approval screen displayed on the above payment terminal allows the provider to only verify the content and cannot modify or change the screen.

[0059] The above handwritten signature is a payment authentication method that enables monitoring of the payment currently in progress by allowing the user to check the payment details and enter a handwritten signature through the user terminal, as can be seen in the step where a payment request notification pops up through the user terminal and a handwritten signature is entered. Instead of entering a handwritten signature into the user terminal, the user authenticates the payment by entering a handwritten signature into the payment terminal after checking the payment details displayed on the payment terminal, and a notification regarding the payment request is transmitted to the user terminal, causing a payment request notification window to pop up through the user terminal, and the user accesses the payment application through the notification window to approve the payment. In this process, the user enters a handwritten signature through the payment terminal, but the payment currently in progress can be utilized as a payment authentication method that enables monitoring of the payment currently in progress through the user terminal.

[0060] The above receipt is in the form of an electronic receipt or a paper receipt, and can be printed in combination with an advertisement of the relevant merchant using the above payment terminal.

[0061] A secure payment method through dynamic display of a one-time payment code generated and output from a user terminal according to a modified second embodiment of the present invention comprises, as illustrated in FIG. 7, a step of generating a one-time payment code for payment in a dedicated application installed on the user terminal; a step of dividing the one-time payment code generated on the user terminal into a plurality of blocks and outputting it on the user terminal screen in an abnormal arrangement state; a step of requesting periodic and temporary normal arrangement of the divided one-time payment code on the user terminal; a step of recognizing the normally arranged one-time payment code through a code reader of the payment terminal; a step of requesting payment approval from a financial institution on the payment terminal through the recognized one-time payment code; a step of outputting a notification of completion of use of the one-time payment code and a notification of payment completion on the user terminal when the payment approval is completed; and a step of completing the payment and outputting a receipt along with an advertisement to the payment terminal and the user terminal.

[0062] The steps of generating a one-time payment code in a dedicated application installed on the user terminal, dividing the one-time payment code generated on the user terminal into multiple blocks and outputting them on the screen in an abnormal arrangement state, and requesting periodic and temporary normal arrangement of the divided one-time payment code on the user terminal are similar in operation method to the second embodiment of the present invention, except that the entity responsible for generating and outputting the one-time payment code is changed from the payment terminal to the user terminal, and the entity responsible for recognizing the one-time payment code through the code reader is changed from the user terminal to the payment terminal. If the normal arrangement activation button is not pressed on the user terminal, the original normally arranged QR code is not recognized by the code reader of the payment terminal, making it impossible to verify payment information, and thus the payment is canceled.

[0063] The step in which payment approval is completed in a dedicated application installed on a payment terminal via the recognized one-time payment code and the step in which an alarm indicating the completion of use of the one-time payment code is displayed on the user terminal are performed such that only an alert indicating that the one-time payment code has been used and the payment has been completed is delivered, and the verification of payment information, payment authentication, and user monitoring functions are omitted, because the payment process has already started with payment information and a one-time payment code generated through the user terminal, and there is little need for the user to check the current progress of the payment.

[0064] As described above, the best embodiments have been disclosed in the drawings and specification. Specific terms have been used herein, but they are used only for the purpose of describing the invention and are not intended to limit the meaning or the scope of the invention as described in the claims. Therefore, those skilled in the art will understand that various modifications and equivalent alternative embodiments are possible therefrom. Accordingly, the true technical scope of protection of the invention should be determined by the technical spirit of the appended claims.

Claims

1. In the payment between the buyer's user terminal and the supplier's payment terminal, A secure payment method through the dynamic display of a one-time payment code is, A step of generating a one-time payment code in a dedicated application installed on the above-mentioned user terminal or payment terminal; A step in which a one-time payment code generated in the above-mentioned dedicated application is divided into multiple blocks; A step in which some of the above-mentioned divided one-time payment code blocks are changed to an image replacement or hidden state; A step in which the arrangement of the above one-time payment code blocks is continuously changed; A step in which the above one-time payment code blocks are temporarily and normally arranged in the form of a completed payment code; A step in which the above-mentioned properly placed one-time payment code is recognized by a code reader of a user terminal or a payment terminal; A secure payment method through dynamic display of a one-time payment code, characterized by including a step of completing payment with the above-mentioned recognized payment code.

2. In Paragraph 1, A secure payment method through dynamic display of a one-time payment code, characterized by including a QR code and a barcode in the form of the above one-time payment code.

3. In Paragraph 1, A secure payment method through dynamic display of a one-time payment code, characterized in that the method of changing the image of the divided one-time payment code blocks to a hidden state can be some or all of the blocks, the one-time payment code output through the image replacement of the blocks can be utilized as an advertisement image or a character image, and the hidden state of the blocks is characterized in that the blocks are output as empty blocks.

4. In Paragraph 1, A secure payment method through dynamic display of a one-time payment code, characterized in that the arrangement of blocks in the above-mentioned dedicated application is continuously changed by including block position change, block rotation, and inversion.

5. In Paragraph 1, A secure payment method through dynamic display of a one-time payment code, characterized by the ability to change from an abnormal placement state, where the one-time payment code cannot be read by a code reader of the divided one-time payment code blocks, to a normal placement state of a one-time payment code that is temporarily and periodically completed and can be read by a code reader, via a normal placement activation button of the dedicated application.

6. In Paragraph 5, A secure payment method through dynamic display of a one-time payment code, characterized in that when the normal placement of the one-time payment code is not entered through the normal placement activation button of the dedicated application, the divided one-time payment code blocks are only displayed in an abnormal placement state on the user terminal or payment terminal, making it impossible to read the one-time payment code through a code reader.

7. In the payment between the buyer's user terminal and the supplier's payment terminal, A secure payment method through the dynamic display of a one-time payment code generated and output from the above payment terminal is, A step of generating a one-time payment code in a dedicated application installed on the above payment terminal; A step in which a one-time payment code generated by the above payment terminal is divided into multiple blocks and displayed on the screen in an abnormal arrangement state; A step in which a periodic and temporary normal placement state of the one-time payment code is requested at the payment terminal; A step of recognizing the normally placed one-time payment code through the code reader of the user terminal; A step in which a one-time payment window is generated in a dedicated application installed on a user terminal through the recognized one-time payment code and user confirmation input details for the payment are entered; A step in which a payment request notification pops up through the above user terminal and a handwritten signature is entered; A step of displaying a payment approval screen including the user's handwritten signature and payment information entered in the above user terminal and payment terminal; A secure payment method through dynamic display of a one-time payment code, characterized by including the step of completing the payment and printing a receipt along with an advertisement to the payment terminal and the user terminal.

8. In the payment between the buyer's user terminal and the supplier's payment terminal, A secure payment method through the dynamic display of a one-time payment code generated and output from the above user terminal is, A step of generating a one-time payment code in a dedicated application installed on the above user terminal; A step in which a one-time payment code generated at the above user terminal is divided into multiple blocks and displayed on the screen in an abnormal arrangement state; A step in which periodic and temporary normal placement of the divided one-time payment code is requested at the user terminal; A step in which the one-time payment code that is properly placed is recognized through the code reader of the payment terminal; A step in which payment approval is requested from a payment terminal through the above-mentioned recognized one-time payment code; A step in which the above payment approval is completed and a notification of completion of use of the one-time payment code and a payment completion notification are displayed on the user terminal; A secure payment method through dynamic display of a one-time payment code, characterized by including the step of completing the payment and printing a receipt along with an advertisement to the payment terminal and the user terminal.

9. In either Paragraph 1 or Paragraph 7, During the stage where payment is processed using a one-time payment code recognized by the code reader, a payment request notification pops up through the screen of a dedicated application installed on the user terminal, a handwritten signature is entered through the user terminal to complete payment approval, and a payment approval screen is displayed on the user terminal and the payment terminal. The monitoring function may operate in such a manner. A secure payment method through dynamic display of a one-time payment code, characterized in that the above-mentioned handwritten signature input authentication can also be performed in other ways, including biometric authentication, payment password authentication, or a request for payment approval through a button displayed on a display screen.

10. In any one of Paragraphs 1, 7, and 8, A secure payment method through dynamic display of a one-time payment code, characterized in that the generation and output of the dynamically displayed one-time payment code described above is possible on a user terminal with a dedicated application installed and a payment terminal with a dedicated application installed.

11. In any one of Paragraphs 1, 7, and 8, A secure payment method through dynamic display of a one-time payment code, characterized in that the above-mentioned handwritten signature is entered at a payment terminal or a user terminal.

12. In either Paragraph 1 or Paragraph 8, A secure payment method through dynamic display of a one-time payment code, characterized in that when payment is made through the recognized one-time payment code, payment approval is requested from a financial institution via an existing payment method even if a dedicated application is not installed on the payment terminal.

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