WO2016117792A1

WO2016117792A1 - Computer-executable electronic stamp payment method, user terminal performing same, electronic stamp payment server, and recording medium storing same

Info

Publication number: WO2016117792A1
Application number: PCT/KR2015/009991
Authority: WO
Inventors: 황인성; 김기용
Original assignee: 주식회사 비디
Priority date: 2015-01-23
Filing date: 2015-09-23
Publication date: 2016-07-28
Also published as: KR20160091149A

Abstract

The present invention relates to an electronic stamp payment method comprising the steps of: requesting the verification of an electronic stamp by presenting payment details including a payment means inputted by a user and a payment amount, when the payment amount for a product or service requested to be purchased by the user is determined; and transmitting, when the requested stamp is electronically received, the payment details and the verified electronic stamp to an electronic stamp payment server so as to receive a choice of whether to approve the corresponding payment. Therefore, a payment can be conveniently made by a smart phone and a mobile stamp while offline.

Description

Computer-executable electronic stamp payment method, user terminal performing the same, electronic stamp payment server and recording medium storing the same

The present invention relates to an electronic stamp payment technology, and more particularly, a computer-implemented electronic stamp payment method that can be easily paid with a smartphone and a mobile stamp on offline, a user terminal for performing this, an electronic stamp payment server and storage thereof It relates to a recording medium.

In general, in a touch screen type mobile terminal, a recent trend is to adopt a touch panel capable of recognizing multi-touch in order to optimize image output and user input by using a small size display. The technology of recognizing two touch points allows more various operations than to recognize only one general touch point. Mobile field payment reads the payment information of the touch screen type mobile terminal through a NFC (Near Field Communication) reader from the POS terminal and transmits it to the server to approve and process the field payment from the server.

One embodiment of the present invention is to provide an electronic stamp payment method that can be easily paid with a smart phone and a mobile stamp on offline.

One embodiment of the present invention is to provide an electronic stamp payment method that can perform on-site payment using a smartphone even without having at least one of the NFC dongle and POS terminal.

An embodiment of the present invention is to provide an electronic stamp payment method that can provide a coupon related to purchase by recognizing a stamp holding store through a mobile stamp having unique pattern information.

Among the embodiments, the computer-implemented electronic stamp payment method is an electronic stamp payment method performed in a user terminal, the payment means input by the user when the payment amount for the goods or services requested to be purchased by the user is determined; Presenting a payment history including a payment amount and requesting the stamp of the electronic stamp; and if the requested seal is received electronically, the payment details and the sealed electronic stamp are transmitted to the electronic stamp payment server to approve the payment. Receiving the.

In one embodiment, the step of requesting the stamping of the electronic stamp may include inverting the electronic stamp input screen up and down and providing the electronic stamp input screen on a touch screen when receiving a payment request event after a payment method and a payment amount are input by the user. It may include.

The requesting the stamp of the electronic stamp may include locking the electronic stamp input screen and requesting user authentication if the requested stamp is not received within a specific time.

In an embodiment, the receiving of the approval of the corresponding payment may include displaying an image of the electronic stamp on the electronic stamp input screen when the requested seal is received electronically.

Receiving whether the corresponding payment is approved may include transmitting a pattern of the electronic stamp dynamically generated based on a reception time of the requested stamp to the electronic stamp payment server.

In one embodiment, receiving the approval of the corresponding payment may include providing a mobile stamp or earning points for the purchase when the corresponding payment is approved.

Receiving whether the corresponding payment is approved may include receiving affiliate store information associated with the electronic stamp from the electronic stamp payment server and providing a payment receipt associated with the affiliate store information when the corresponding payment is approved.

In one embodiment, the step of requesting the seal of the electronic stamp may further include the step of requesting the seal of the electronic stamp by presenting the payment details for the specific payment when the user is requested to cancel the specific payment. have.

In an embodiment, the receiving of the approval of the corresponding payment may include transmitting the payment details and the sealed electronic stamp to the electronic stamp payment server when the requested seal is received electronically, to approve cancellation of the specific payment. The method may further include receiving.

Among the embodiments, the electronic stamp payment method is an electronic stamp payment method performed in an electronic stamp payment server that can perform payment in conjunction with a user terminal, the multi-touch having a specific rule on the touch screen on the user terminal Receiving an electronic stamp representing a pattern based on the pattern, Validating the received electronic stamp, and If the verification is successfully performed, the user terminal for the payment amount sent by the user terminal and created directly by the user Attempting to pay according to a payment method registered in the.

In an embodiment, the validating of the received electronic stamp may include determining whether an affiliate code corresponding to a pattern of the received electronic stamp is stored in an affiliate database, and validating the validated electronic stamp. have.

Validating the received electronic stamp may include validating the validity of the electronic stamp based on a reception time of the electronic stamp when the pattern of the received electronic stamp is associated with an One Time Password (OTP).

In an embodiment, the attempting payment may include transmitting a payment history including the payment means and the payment amount to a payment server associated with the payment means and receiving whether to approve the payment. .

The attempting payment may further include detecting merchant information associated with the received electronic stamp from a merchant database and transmitting the received payment information to the user terminal when the payment is approved.

In an embodiment, the validating of the received electronic stamp may include: when receiving a cancellation request for a specific payment from the user terminal, a pattern of the electronic stamp associated with the approval of the specific payment and a cancellation of the specific payment; Determining whether the patterns of associated electronic stamps match.

The validating of the received electronic stamp may include determining payment details associated with the specific payment if the pattern of the electronic stamp associated with the approval of the specific payment matches the pattern of the electronic stamp associated with the cancellation of the specific payment. And requesting cancellation of the specific payment by transmitting to a payment server associated with the payment.

In one embodiment, the attempting payment may further include detecting merchant information associated with the received electronic stamp from a merchant database and transmitting the detected merchant information to the user terminal when the payment is cancelled.

Among the embodiments, if the payment amount for the goods or services requested for purchase by the user is determined, the user terminal presents the payment details including the payment means and the payment amount input by the user to request the seal of the electronic stamp. And an electronic stamp stamp request unit and a payment approval whether or not to receive the approval of the payment by transmitting the payment details and the sealed electronic stamp to the electronic stamp payment server when the requested seal is received electronically.

In an embodiment, the electronic stamp payment server is an electronic stamp payment server capable of performing payment in association with a user terminal, wherein the electronic stamp indicating a multi-touch based pattern having a specific rule on the touch screen of the user terminal An electronic stamp receiving unit for receiving an electronic stamp validating unit for validating the received electronic stamp, and if the verification is successfully performed by the user terminal sent to the user terminal for the payment amount directly created by the user It includes a payment request unit that attempts to pay according to the registered payment method.

Among the embodiments, a computer-readable recording medium having a program recorded thereon for implementing an electronic stamp payment method may be implemented by an electronic stamp payment method performed by an electronic stamp payment server capable of performing payment in association with a user terminal. A computer-readable recording medium having recorded thereon a program, the method comprising: receiving an electronic stamp representing a multi-touch based pattern having a specific rule on a touch screen of the user terminal, and validating the received electronic stamp. A function of verifying and a function of attempting a payment according to a payment means registered in the user terminal for a payment amount transmitted by the user terminal and directly written by the user when the verification is successfully performed.

Electronic stamp payment method according to an embodiment of the present invention can be easily paid with a smart phone and a mobile stamp on offline.

Electronic stamp payment method according to an embodiment of the present invention can be carried out on-site payment using a smart phone even without having at least one of the NFC dongle and POS terminal.

The electronic stamp payment method according to an embodiment of the present invention may recognize a stamp holding store through a mobile stamp having unique pattern information and provide a purchase related coupon.

1 is a block diagram illustrating an electronic stamp payment system according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a user terminal in FIG. 1.

3 is a block diagram illustrating an electronic stamp payment server in FIG. 1.

FIG. 4 is a flowchart illustrating an electronic stamp payment process performed in the user terminal of FIG. 1.

5 is a flowchart illustrating an electronic stamp payment process performed by the electronic stamp payment server in FIG. 1.

FIG. 6 is a diagram illustrating payment through a user terminal and an electronic stamp payment server in FIG. 1.

FIG. 7 is a diagram illustrating a payment receipt provided to a user terminal by the electronic stamp payment server of FIG. 1.

FIG. 8 is a diagram illustrating payment cancellation through a user terminal and an electronic stamp payment server in FIG. 1.

Description of the present invention is only an embodiment for structural or functional description, the scope of the present invention should not be construed as limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be named a second component, and similarly, the second component may also be named a first component.

When a component is referred to as being "connected" to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component. On the other hand, when a component is referred to as being "directly connected" to another component, it should be understood that there is no other component in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring to", should be interpreted as well.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "comprise" or "have" refer to a feature, number, step, operation, component, part, or feature thereof. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

In each step, an identification code (e.g., a, b, c, etc.) is used for convenience of description, and the identification code does not describe the order of the steps, and each step clearly indicates a specific order in context. Unless stated otherwise, they may occur out of the order noted. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

The present invention can be embodied as computer readable code on a computer readable recording medium, and the computer readable recording medium includes all kinds of recording devices in which data can be read by a computer system. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like, and are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

Referring to FIG. 1, the electronic stamp payment system 100 includes a user terminal 110, an electronic stamp payment server 120, and a payment server 130.

The user terminal 110 may be connected to the electronic stamp payment server 120 through a network to request payment for goods or services requested by the user. The user terminal 110 may transmit the user information, payment amount and merchant information to the electronic stamp payment server 120 when the payment request is made. The user information may include a user ID or ID code (ie, a phone number) of the user terminal 110 that is input at the login of the application associated with the payment.

The user terminal 110 may receive an electronic stamp for payment and transmit a pattern of the electronic stamp to the electronic stamp payment server 120. Here, the user terminal 110 may perform an electronic stamp payment process through an application associated with electronic stamp payment.

The user terminal 110 may display the payment result when receiving the approval of the payment from the electronic stamp payment server 120. In one embodiment, the user terminal 110 may be implemented as a smartphone, a tablet PC, a desktop and a laptop equipped with an input / output device.

The electronic stamp payment server 120 may be connected to the user terminal 110 through a network to receive a payment request for purchase of a product or service requested by the user terminal 110. The electronic stamp payment server 120 may determine whether to approve payment by performing user authentication on the payment request. The electronic stamp payment server 120 provides the user terminal 110 with a payment approval status. If the payment is approved, the electronic stamp payment server 120 detects affiliate store information associated with a pattern of the electronic stamp received from the user terminal 110 and the user terminal 110. ) Can be provided.

The electronic stamp payment server 120 may be connected to the payment server 130 through a network and transmit the payment details including the payment means and the payment amount received from the user terminal 110 to the payment server 130. The electronic stamp payment server 120 may receive the approval information and the deducted amount information on the payment requested by the user terminal 110 from the payment server 130 based on the payment details.

The payment server 130 may be connected to the electronic stamp payment server 120 through a network to receive payment details including a payment means and a payment amount from the electronic stamp payment server 120. The payment server 130 may determine whether to approve payment by verifying validity of payment details. In one embodiment, payment server 130 may be managed by a card company associated with a payment method.

FIG. 2 is a block diagram illustrating a user terminal in FIG. 1.

Referring to FIG. 2, the user terminal 110 includes an electronic stamp stamp request unit 210, a payment approval receiver 220, and a controller 230.

When the electronic stamp stamp request unit 210 determines the amount of payment for the goods or services requested for purchase by the user, the electronic stamp stamp request unit requests the seal of the electronic stamp by presenting the payment details including the payment means and the amount of payment input by the user. . The payment amount may include all amounts for each of at least one product or service recognized through a barcode reader provided in the affiliated store. In one embodiment, the payment means may be pre-registered with the user terminal 110 by the user or may not be selected by the user in advance with the application associated with the payment. For example, the payment means may include a credit card, debit card, prepaid recharge card, bank transfer and Phone Bill. The electronic stamp may include unique pattern information determined differently for each affiliate or affiliated store.

When the electronic stamp stamp request unit 210 receives a payment request event after a payment method registered in the user terminal 110 is selected by the user, the electronic stamp stamp request unit 210 inverts the electronic stamp input screen up and down and provides it on the touch screen of the user terminal 110. can do. The payment request event may correspond to a user input (for example, a touch) for confirming that a payment amount is input by the user and performing a payment. The electronic stamp input screen is a screen that can receive an input (ie, stamp) of the electronic stamp, and can be reversed up and down so that employees of the affiliated store can easily check the payment details.

In one embodiment, the electronic stamp stamp request unit 210 may lock the electronic stamp input screen and request user authentication if the electronic stamp stamp is not received within a specific time. For example, the user authentication may correspond to a lock password set in the user terminal 110 or an authentication password associated with a payment means. For example, the lock password and the authentication password may be set to one of a PIN, fingerprint recognition, iris recognition, and lock pattern. When the electronic stamp stamp request unit 210 receives the user authentication from the locked electronic stamp input screen, the electronic stamp stamp request unit 210 may request the stamp of the electronic stamp again.

When the electronic stamp stamp request unit 210 is requested to cancel a particular payment by the user, the electronic stamp stamp request may be presented to request a stamp of the electronic stamp. The payment requested by the user may be stored in a payment history list, and a cancellation for a particular payment may be applied to the payment selected in the payment history list. When the electronic stamp stamp request unit 210 receives the payment cancellation request event, the electronic stamp input request unit 210 may invert the electronic stamp input screen up and down and provide the electronic stamp input request on the touch screen of the user terminal 110.

When the payment approval request unit 220 receives the requested stamp electronically, the payment details and the electronic stamp stamped to the electronic stamp payment server 120 to receive the approval of the payment. When the requested stamp is received electronically, the payment approval unit 220 may display the stamp image of the electronic stamp on the electronic stamp input screen inverted up and down. The stamp image of the electronic stamp corresponds to a mark having a certain shape such as a seal.

In one embodiment, the payment approval whether receiving unit 220 may transmit to the electronic stamp payment server 120 a pattern of the electronic stamp dynamically generated based on the reception time of the stamp requested for payment. Here, the electronic stamp may correspond to an One Time Password (OTP) which is dynamically generated according to the reception time of the stamp. The electronic stamp payment server 120 may detect affiliate store information associated with the electronic stamp based on a dynamically generated pattern of the electronic stamp.

In one embodiment, the payment approval whether receiving unit 220 is a pattern of the electronic stamp that is dynamically generated based on the receipt time of the stamp requested for payment and the pattern of the multi-touch-based electronic stamp having a specific rule on the touch screen May be transmitted to the electronic stamp payment server 120. Here, the pattern of the electronic stamp may correspond to each one pattern uniquely assigned to each OTP and one merchant dynamically generated according to the reception time of the stamp.

If the payment approval unit 220 is approved by the electronic stamp payment server 120 for payment of the goods or services requested for the purchase may provide a mobile stamp or earn points for the purchase. The mobile stamp or earned points may correspond to a coupon provided by a merchant associated with the electronic stamp.

When the payment is approved, the reception unit 220 may receive affiliate store information associated with the electronic stamp from the electronic stamp payment server 120 and provide a payment receipt associated with the affiliate store information. Merchant information may be stored in the merchant database managed by the electronic stamp payment server 120. The merchant database may associate and store the electronic stamp and the merchant information.

Payment approval whether receiving unit 220 may receive the merchant information associated with the electronic stamp from the electronic stamp payment server 120 when the payment cancellation requested from the user is approved may provide a payment cancellation receipt associated with the merchant information.

If the payment approval unit 220 receives electronically a request for canceling payment, the payment details and the electronic stamp stamped may be transmitted to the electronic stamp payment server 120 to receive permission to cancel a specific payment.

If the payment approval unit 220 is approved by the electronic stamp payment server 120 to cancel the payment for the product or service requested for the purchase may remove or subtract a mobile stamp or points for the purchase. If the payment approval approval unit 220 is approved to cancel the payment may receive merchant information associated with the electronic stamp from the electronic stamp payment server 120 may provide a payment cancellation receipt associated with the merchant information.

The controller 230 may control the overall operation of the user terminal 110 and may control the operation and data flow between the electronic stamp stamp request unit 210 and the payment approval receiver 220.

3 is a block diagram illustrating an electronic stamp payment server in FIG. 1.

Referring to FIG. 3, the electronic stamp payment server 120 includes an electronic stamp receiver 310, an electronic stamp validator 320, a payment requester 330, and a controller 340.

The electronic stamp receiver 310 receives an electronic stamp representing a multi-touch based pattern having a specific rule on the touch screen of the user terminal 110. Specific rules mean that different stores have different patterns.

The electronic stamp validity verification unit 320 verifies the validity of the electronic stamp received from the user terminal 110. The electronic stamp validity verification unit 320 may determine whether the affiliate store code corresponding to the pattern of the electronic stamp is stored in the affiliate store database to verify the validity of the electronic stamp. The electronic stamp validity verification unit 320 may determine that the electronic stamp is valid when the affiliate store code corresponding to the pattern of the electronic stamp is stored in the affiliate database.

In one embodiment, the electronic stamp validity verification unit 320 may verify the validity based on the reception time of the electronic stamp when the pattern of the received electronic stamp is associated with the One Time Password (OTP). The electronic stamp validity verification unit 320 may match the pattern of the electronic stamp dynamically generated according to the reception time of the electronic stamp and the merchant information to verify the validity of the electronic stamp according to the match.

In one embodiment, the electronic stamp validator 320 may determine the reception time of the electronic stamp when the pattern of the received electronic stamp is associated with a one-time password (OTP) and a multi-touch based pattern having a specific rule on the touch screen. As a basis, a second partial pattern code of the electronic stamp is generated based on the first partial pattern code and the multi-touch based pattern of the electronic stamp, and the first partial pattern code and the second partial pattern code are combined to form one pattern code. Can be generated. For example, the pattern code may include a portion of the first portion of the pattern code and a portion of the second portion of the pattern code. The electronic stamp validity verification unit 320 may verify the validity of the electronic stamp based on the generated pattern code.

When the electronic stamp validator 320 receives a cancellation request for a specific payment from the user terminal 110, whether the electronic stamp validation unit 320 matches the pattern of the electronic stamp associated with the approval of the specific payment and the pattern of the electronic stamp associated with the cancellation of the specific payment. Can be determined. Here, it is assumed that the electronic stamp validity verification unit 320 has received the electronic stamp in response to a cancellation request for a specific payment.

The electronic stamp validation unit 320 compares the pattern of the electronic stamp received when the payment request for the purchase of a specific product or service is the same as the pattern of the electronic stamp received when the payment is canceled for the purchase of a specific product or service. If they coincide with each other, the payment details associated with the specific payment may be transmitted to the payment server 130 associated with the payment method to request cancellation of the specific payment.

The payment request unit 330 is transmitted by the user terminal 110 when the verification of the validity of the electronic stamp is successfully performed and the payment according to the payment means registered in the user terminal 110 for the payment amount directly created by the user. Try.

When the verification of the validity of the electronic stamp is successfully performed, the payment request unit 330 attempts to cancel the payment according to the payment method registered in the user terminal 110 for the payment details selected by the user of the user terminal 110. .

The payment request unit 330 may receive a payment status including a payment method and a payment amount to the payment server 130 associated with the payment method to receive approval of the payment or cancellation of the payment.

When the payment request unit 330 receives the approval of the payment or the approval of the payment cancellation from the payment server 130, the payment request unit 330 detects the merchant information associated with the electronic stamp received at the payment request or the payment cancellation from the merchant database and the user terminal 110. ) Can be sent.

When the payment request unit 330 receives an approval for a payment or an approval for a payment cancellation from the payment server 130, the payment request unit 330 sends a push message (or SMS (Short Message Service)) for the payment result to the terminal associated with the merchant (for example, , A smartphone set by the merchant owner or merchant application for merchants can be transmitted).

The controller 340 may control the overall operation of the electronic stamp payment server 120, and may control the operation and data flow between the electronic stamp receiving unit 310, the electronic stamp validating unit 320, and the payment requesting unit 330. have.

Referring to FIG. 4, the electronic stamp seal request unit 210 requests the seal of the electronic stamp by presenting payment details for a product or service requested for purchase by the user (step S401). The payment details include the payment means and the payment amount input by the user.

When the electronic stamp stamp request unit 210 is requested to cancel a particular payment by the user, the electronic stamp stamp request may be presented to request a stamp of the electronic stamp.

Payment approval whether receiving unit 220, if the requested stamp is received electronically transmits the payment details and the stamped electronic stamp to the electronic stamp payment server 120 receives the approval of the corresponding payment (step S402).

When the payment is approved, the reception unit 220 may receive affiliate store information associated with the electronic stamp from the electronic stamp payment server 120 and provide a payment receipt associated with the affiliate store information. If the payment approval approval unit 220 is approved to cancel the payment may receive merchant information associated with the electronic stamp from the electronic stamp payment server 120 may provide a payment cancellation receipt associated with the merchant information.

Referring to FIG. 5, the electronic stamp receiver 310 receives an electronic stamp indicating a multi-touch based pattern having a specific rule on the touch screen of the user terminal 110 (step S501).

The electronic stamp validity verification unit 320 verifies the validity of the electronic stamp received from the user terminal 110 (step S502).

The electronic stamp validity verification unit 320 may determine whether the affiliate store code corresponding to the pattern of the electronic stamp is stored in the affiliate store database to verify the validity of the electronic stamp.

When the electronic stamp validator 320 receives a cancellation request for a specific payment from the user terminal 110, whether the electronic stamp validation unit 320 matches the pattern of the electronic stamp associated with the approval of the specific payment and the pattern of the electronic stamp associated with the cancellation of the specific payment. Can be determined.

If it is determined that the electronic stamp is valid, the payment request unit 330 attempts a payment according to the payment means registered in the user terminal 110 for the payment amount transmitted by the user terminal 110 and directly written by the user (step) S503 and S504).

Referring to FIG. 6, the user terminal 110 may provide at least one payment means registered in advance by a user. The user terminal 110 may receive a password for user authentication from the user before providing at least one payment method. The password can be used only when set by the user, and for example, can be set as one of a PIN, fingerprint recognition, iris recognition, and lock pattern. When a payment method is selected by the user, the user terminal 110 may provide a screen for inputting a payment amount to receive a payment amount from the user. If the user terminal 110 receives a payment request event after a payment amount is input, the user terminal 110 may invert the electronic stamp input screen up and down to display the electronic stamp input screen on the touch screen. The user terminal 110 may display the electronic stamp stamp image on the electronic stamp input screen when the electronic stamp stamp is received electronically by the employee of the affiliated store.

Referring to FIG. 7, the electronic stamp payment server 120 may detect and provide affiliate store information associated with the electronic stamp to the user terminal 110 according to whether the payment is approved or canceled. The user terminal 110 may generate a payment result screen based on the affiliate store information received from the electronic stamp payment server 120. The payment result may include at least one of a merchant name, a business number, a card type, a card number, a payment method, an amount, a tax, a total transaction amount, an authorization number, and a transaction date and time.

When the user terminal 110 receives the payment result confirmation event by the user, the user terminal 110 may generate and provide a payment approval or payment cancellation receipt.

Referring to FIG. 8, when the user terminal 100 receives a payment cancellation request event (ie, a touch event for payment details by the user), the user terminal 100 may provide a payment history list including payment information about at least one purchase. have. When the user terminal 100 receives a cancellation request for one payment from the payment history list, the user terminal 100 may invert the electronic stamp input screen up and down to display the electronic stamp input screen on the touch screen. The user terminal 110 may display the electronic stamp stamp image on the electronic stamp input screen when the electronic stamp stamp is received electronically by the employee of the affiliated store.

Although described above with reference to the preferred embodiment of the present application, those skilled in the art various modifications and changes to the present application without departing from the spirit and scope of the invention described in the claims below I can understand that you can.

Claims

In the electronic stamp payment method performed in the user terminal,

Requesting the stamping of an electronic stamp by presenting a payment history including a payment means and a payment amount input by the user when a payment amount for a product or service requested for purchase is determined by the user; And

And transmitting the payment details and the stamped electronic stamp to an electronic stamp payment server to receive approval of the corresponding payment when the requested stamp is received electronically.
The method of claim 1, wherein the requesting the stamp of the electronic stamp is performed.

And receiving the payment request event after the payment means and the payment amount are input by the user, inverting the electronic stamp input screen up and down and providing the electronic stamp input screen on the touch screen.
The method of claim 1, wherein the requesting the stamp of the electronic stamp is performed.

And if the requested stamp is not received within a specific time, locking the electronic stamp input screen and requesting user authentication.
The method of claim 1, wherein the receiving of the approval of the corresponding payment is

And displaying the stamp image of the electronic stamp on the electronic stamp input screen when the requested stamp is received electronically.
The method of claim 1, wherein the receiving of the approval of the corresponding payment is

And transmitting the pattern of the electronic stamp dynamically generated based on the reception time of the requested stamp to the electronic stamp payment server.
The method of claim 1, wherein the receiving of the approval of the corresponding payment is

And providing the mobile stamp or the earning point for the purchase if the corresponding payment is approved.
The method of claim 1, wherein the receiving of the approval of the corresponding payment is

And receiving the merchant information associated with the electronic stamp from the electronic stamp payment server if the corresponding payment is approved, and providing a payment receipt associated with the merchant information.
The method of claim 1, wherein the requesting the stamp of the electronic stamp is performed.

And requesting the seal of the electronic stamp by presenting the payment details of the specific payment when the user requests the cancellation of the specific payment.
The method of claim 8, wherein receiving the approval of the corresponding payment comprises

And when the requested stamp is electronically received, transmitting the payment details and the sealed electronic stamp to the electronic stamp payment server, and receiving whether to approve the cancellation of the specific payment. Stamp payment method.
In the electronic stamp payment method performed in the electronic stamp payment server that can perform payment in conjunction with the user terminal,

Receiving an electronic stamp representing a multi-touch based pattern having a specific rule on a touch screen in the user terminal;

Validating the received electronic stamp; And

And if the verification is successfully performed, attempting a payment according to a payment means registered in the user terminal for a payment amount transmitted by the user terminal and directly written by the user.
11. The method of claim 10, wherein validating the received electronic stamp is

And determining whether an affiliated store code corresponding to the received electronic stamp pattern is stored in an affiliated store database to verify the validity.
11. The method of claim 10, wherein validating the received electronic stamp is

And verifying the validity based on a reception time of the electronic stamp when the pattern of the received electronic stamp is associated with a one time password (OTP).
The method of claim 10, wherein the attempting payment

And transmitting the payment details including the payment means and the payment amount to a payment server associated with the payment means and receiving the approval of the payment.
The method of claim 13, wherein the attempting payment

And if the payment is approved, detecting merchant information associated with the received electronic stamp from a merchant database and transmitting the detected merchant information to the user terminal.
11. The method of claim 10, wherein validating the received electronic stamp is

When receiving a cancellation request for a specific payment from the user terminal, determining whether the pattern of the electronic stamp associated with the approval of the specific payment matches the pattern of the electronic stamp associated with the cancellation of the specific payment. Electronic stamp payment method.
The method of claim 15, wherein validating the received electronic stamp is

If the pattern of the electronic stamp associated with the approval of the specific payment and the pattern of the electronic stamp associated with the cancellation of the specific payment match, the payment details associated with the specific payment are transmitted to the payment server associated with the payment means for the specific payment. Requesting the cancellation of the electronic stamp payment method.
The method of claim 16, wherein the attempting payment

And if the payment is canceled, detecting merchant information associated with the received electronic stamp from a merchant database and transmitting the detected merchant information to the user terminal.
An electronic stamp seal request unit requesting the seal of an electronic stamp by presenting a payment history including a payment means and a payment amount input by the user when a payment amount for a product or service requested for purchase is determined by the user; And

And a payment approval whether or not receiving unit for receiving the approval of the payment by transmitting the payment details and the sealed electronic stamp to the electronic stamp payment server when the requested seal is received electronically.
In the electronic stamp payment server that can perform the payment in conjunction with the user terminal,

An electronic stamp receiver configured to receive an electronic stamp indicating a multi-touch based pattern having a specific rule on the touch screen of the user terminal;

An electronic stamp validity verification unit for validating the received electronic stamp; And

And a payment request unit which, when the verification is successfully performed, attempts to make a payment according to a payment means registered in the user terminal for a payment amount transmitted by the user terminal and directly written by the user.
A computer-readable recording medium having recorded thereon a program for implementing an electronic stamp payment method performed by an electronic stamp payment server capable of performing payment in association with a user terminal,

Receiving an electronic stamp representing a multi-touch based pattern having a specific rule on a touch screen in the user terminal;

Verifying validity of the received electronic stamp; And

A program for implementing an electronic stamp payment method comprising a function of attempting payment according to a payment method registered in the user terminal for a payment amount transmitted by the user terminal and directly written by the user when the verification is successfully performed; This recorded computer-readable recording medium.