KR20250013125A - Online signature linked payment method using a payment application - Google Patents

Abstract

The present invention relates to an online self-signature linked payment method using a payment application, and more specifically, to an e-commerce and self-signature linked payment method, which registers a user's card information in the form of a digital card in a payment application, registers the user's self-signature for each card held in the payment application, makes payment through the payment application installed in the user's terminal when making payment at an e-commerce shop, verifies payment details, and makes payment authentication including the user's signature, and provides convenient payment through account linkage between the payment application and the e-commerce shop if desired.

Description

{Online signature linked payment method using a payment application}

The present invention relates to an online self-signature linked payment method using a payment application, and more specifically, to an e-commerce and self-signature linked payment method, which registers a user's card information in the form of a digital card in a payment application, registers a self-signature for each card or account in the payment application, makes payment through the payment application installed on the user's terminal when making payment at an e-commerce shop, verifies payment details, and makes payment authentication including a self-signature, and provides convenient payment through account linkage between the payment application and the e-commerce shop if desired.

E-commerce is an abbreviation for electronic commerce, and refers to buying and selling goods and services through online networks such as computer communications or the Internet. Today, as smartphones become widespread, the center of gravity of the PC-based e-commerce market is rapidly shifting to mobile shopping. As a result, the number of sellers who build their own e-commerce web pages or applications to sell goods and services has increased exponentially, and each has prepared different payment methods. In this situation, users are inconvenienced because they cannot consistently use a payment method that is convenient for them when making e-commerce payments. As a conventional technology to solve this problem, a method for making payments by authenticating customers using an authentication code using a mobile terminal, registered patent no. 10-1479378, has been disclosed, and it suggests a method for making payments by authenticating customers using a mobile terminal that they normally carry. However, the conventional technology has the problem that payment using a mobile terminal is possible only in a limited way through a payment intermediary server, not through direct linkage with a payment application, and that the form, structure, and method for this are not clearly presented.

In addition, financial institutions are performing personal authentication procedures for the safe management of personal assets. In particular, since online financial transactions are becoming more active, online authentication is becoming more important. From simple authentication methods using preset passwords to authentication methods using biometrics to further enhance security, authentication methods are being attempted. Biometrics technology has been used relatively little in the financial industry, but recently, interest in the use of biometrics technology such as handwritten signatures has been increasing, especially in the financial industry, and authentication systems are being developed accordingly. As a conventional technology to solve this problem, a registered patent No. 10-1754954, ‘Personal authentication system and method using handwritten signatures and voices’, was disclosed, and a method of performing personal authentication through comparison using handwritten signatures and voices was presented. However, the conventional technology had a problem in that it did not clearly present the form, composition, and method of the connection between the payment application and the financial institution and the payment method in payment.

‘Payment method based on authentication code using mobile terminal’, Patent Publication No. 10-1479378 (Registration date: December 29, 2014) Patent Publication No. 10-1754954 (Registration Date: June 30, 2017) ‘Personal Authentication System and Method Using Handwritten Signature and Voice’

The purpose of the present invention is to solve such problems, and to provide an online self-signature linked payment method using a payment application, which fundamentally blocks illegal payments by confirming and signing payment information at the terminal of a user with final payment approval authority, and even if an illegal payment is attempted, the payment can be rejected by the user who is the owner of the card, and has the effect of expanding the range of payment methods that the user can select through the payment application.

The purpose of the present invention is to provide a method for making a payment application, comprising: a step of connecting to a payment application installed in a user terminal; a step of entering card information through the payment application to register a card; a step of entering handwritten signature information for the card to register a handwritten signature; a step of transmitting and storing the handwritten signature data from a payment application server to a financial institution server; a step of requesting that a payment application be added as a payment method in an e-commerce shop installed in the user terminal; a step of selecting a linking code method as an account linking method in the e-commerce shop; a step of displaying a linking code input window in the e-commerce shop; a step of executing a payment application installed in the user terminal; a step of displaying a linking code on a display of the user terminal; a step of entering the linking code in the linking code input window; a step of confirming a linking request and approving account linking in the e-commerce shop; a step of completing account linking with the e-commerce shop in the payment application; a step of requesting an account linking payment using the ‘payment application’ as a payment method in the e-commerce shop to a payment application server; The method can be achieved by: a step in which payment request details are transmitted from the payment application server to the payment application installed on the user terminal; a step in which a payment request notification pops up on the user terminal through the payment application; a step in which payment request details and transaction details are confirmed through the payment application; a step in which payment approval information through a user's signature entered in the payment application is transmitted to and determined by a financial institution server; a step in which payment approval information through payment authentication is determined through the payment application; a step in which payment approval completion is transmitted from the financial institution server to the e-commerce shop and payment application server; and a step in which an electronic receipt is printed by the e-commerce shop and payment application.

The online self-signature linked payment method using the payment application according to the present invention has the following advantages: first, since the payment application installed on the user's terminal is linked with the e-commerce shop and the payment is not made directly at the e-commerce shop, it does not leave the user's card information in the e-commerce shop, which is advantageous in terms of security; second, since the payment information is confirmed and signed on the terminal of the user with the final payment approval authority, it has the effect of fundamentally blocking illegal payments; third, since the user directly signs, responsibility can be clearly determined in the event of a transaction dispute; and fourth, it has the effect of expanding the range of payment methods that the user can select when a payment request notification arrives at the payment application.

Figure 1 is an overall execution diagram of an online self-signature linked payment method using a payment application according to the first embodiment of the present invention.
Figure 2 is an execution diagram of digital card and handwritten signature registration in a payment application of an online self-signature linked payment method using the payment application of the present invention.
Figure 3 is an execution diagram of voice signature registration in an online self-signature linked payment method using the payment application of the present invention.
FIG. 4 is an execution diagram of an online self-signature linked payment method using a payment application according to a second embodiment of the present invention, in which an e-commerce application and a payment application are linked to an account through input of a linking code.
Figure 5 is an example of execution of a linkage code input of an online self-signature linked payment method using the payment application of the present invention.
FIG. 6 is an execution diagram of an online self-signature linked payment method using a payment application according to a modified second embodiment of the present invention, in which an e-commerce application and a payment application are linked through input of a linked block QR code.
Figure 7 is an example of execution of a linked block QR input of an online self-signature linked payment method using the payment application of the present invention.
Figure 8 is an execution diagram of an e-commerce account-linked payment method using a mobile phone in an online self-signature-linked payment method using a payment application according to a third embodiment of the present invention.
FIG. 9 is an execution diagram of an e-commerce account-linked payment method using a PC in an online self-signature-linked payment method using a payment application according to a modified third embodiment of the present invention.
Figure 10 is an execution diagram of a mobile payment application login payment method of an online self-signature linked payment method using a payment application according to the fourth embodiment of the present invention.
Figure 11 is an execution diagram of a PC-based payment application login payment method of an online self-signature linked payment method using a payment application according to a modified fourth embodiment of the present invention.
Figure 12 is a configuration diagram of an online self-signature linked payment system using a payment application of an online self-signature linked payment method using a payment application according to the present invention.

In order to fully understand the present invention, its operational advantages and the objects achieved by the embodiments of the present invention, reference should be made to the accompanying drawings and the contents described in the drawings, which illustrate preferred embodiments of the present invention.

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

An online self-signature linked payment system using a payment application according to the present invention, as illustrated in FIG. 12, includes: a user terminal (1) for purchasing goods and services from an e-commerce shop through self-signature linked payment online; a payment application server (2) for monitoring payments through a payment application installed on the user terminal or receiving a transmission request from the user terminal when linking an account, generating a linking code, and then transmitting the same to the user terminal; a payment gateway (3) for mediating between the payment application and a financial institution; and a financial institution server (4) for determining whether to approve a payment approval request from the user terminal under the operation of a payment institution and notifying an approval response to the user terminal.

The above user terminal (1) is installed with a payment application that can control overall online payment and an e-commerce shop application that can trade goods and services online, and payment and e-commerce are possible not only through the application but also through a web page.

The above e-commerce (Electronic Commerce) shop refers to a place that sells goods and services, including all methods of electronic commerce that involve transactions using electronic devices such as computers and mobile devices through web pages and applications on online networks.

The above payment gateway (3) refers to a payment service provider that provides a service that acts as an agent for transactions through various small payment services such as credit cards, account transfers, mobile phone payments, and ARS payments between financial institutions online in order to make the transaction structure that is difficult to establish direct connections between payment applications and various financial institutions easier.

An online self-signature linked payment method using a payment application according to a first embodiment of the present invention comprises, as illustrated in FIG. 1, a step (S10) in which a digital card and self-signature are registered in a payment application installed on a user terminal; a step (S11) in which account linkage between an e-commerce shop and the payment application is registered; a step (S12) in which payment is requested in the e-commerce shop using the completed account linkage; a step (S13) in which monitoring and payment authentication are executed through a payment application on the user terminal for the payment; and a step (S14) in which an electronic receipt is output together with an advertisement on the e-commerce shop screen and the payment application when the payment is completed.

The above-mentioned signature may include a handwritten signature executed by the user using an input device other than a terminal, such as a finger, skin, or electronic pen; a voice signature executed by inputting the user's voice through an input device of the user's terminal; etc.

When a security check is required during the process of registering personal information including a signature for payment through the above payment application and making payment, the effect of increasing security is achieved by continuously requesting the PIN code, biometric authentication, password, etc. stored in the payment application account.

The above PIN code (Personal Identification Number) is a dedicated password used in payment applications, and is usually composed of four digits because the PIN code password is registered when the numeric keypad security system is activated.

The registration of a digital card and a signature in a payment application according to the present invention, which is performed in the digital card and signature registration step (S10), includes, as illustrated in FIG. 2, a step of accessing a payment application installed in a user terminal; a step of registering a card by entering card information through the payment application; a step of registering a handwritten signature by entering handwritten signature information for the card; and a step of transmitting and storing the handwritten signature data from a payment application server to a financial institution server.

The above digital card and self-signature registration steps, as shown in Fig. 2, are performed by accessing the payment application, pressing the ‘Card Ghosting’ button to deactivate the credit card to prevent personal information leakage, and using a disposable payment authentication method for payment to activate credit card payment, thereby registering the digital card, and pressing the ‘Manage auto signatures’ button to proceed with registering a handwritten signature.

Payment methods registered in the above payment application may include digital cards (including credit cards, check cards, and debit cards); mobile phones; bank account transfers; and payment methods using Pay.

The above handwritten signature gives the user the feeling of paying with a physical card even when paying with a digital card, and at the same time, based on the handwritten signature characteristics such as the time taken from the start of signing to the completion of signing; the flow of lines forming the handwritten signature; the width and distance traveled between lines; the size ratio of the handwritten signature; the shape of the lines; the degree and location of contact when signing; and the speed of signing, a reference handwritten signature is stored, and the user's handwritten signature entered at the time of payment is compared with the reference handwritten signature to approve or reject the payment, which helps with security.

Another method of the above-described self-signature, the voice signature, comprises the steps of: accessing a payment application installed on a user terminal, as illustrated in FIG. 3; recording voice information for a card registered in the payment application; recording a user's voice corresponding to the voice information through the user terminal; re-recording the user's voice corresponding to the voice information through the user terminal; registering a voice signature composed of the recorded voice; and transmitting and storing the voice signature data from a payment application server to a financial institution server.

The above voice signature can further help in security by storing a reference voice signature based on voice signature characteristic values such as voice tone at the time of signing; intensity information and intensity ratio by frequency domain, and comparing the user's voice signature input at the time of payment with the reference voice signature to approve or reject payment.

In the step of recording the above voice information, it is possible for the user to set his/her name, words or sentences that he/she wishes to save as voice signature data through the payment application.

The above handwritten signature and voice signature can be registered and used separately for each digital card, and if both handwritten signature and voice signature are used, payment will be rejected if even one of them fails comparison with the standard signature stored on the financial institution server.

The method of linking an e-commerce shop using a payment application according to the present invention, which is performed in the step (S11) of linking an account between the e-commerce shop and the payment application, can be performed in two main ways, and for convenience of explanation, they are called linking code (Code) and linking block QR (Block QR: Quick Response), respectively.

According to a second embodiment of the present invention, an e-commerce account linking method using a linking code through a payment application comprises, as illustrated in FIGS. 4 and 5, a step in which a payment application is requested to be added as a payment method in an e-commerce shop installed in a user terminal; a step in which a linking code method is selected as an account linking method in the e-commerce shop; a step in which a linking code input window is output in the e-commerce shop; a step in which a payment application installed in the user terminal is executed; a step in which a linking code is output on a display of the user terminal; a step in which the linking code is input into the linking code input window; a step in which a linking request is confirmed and account linking is approved in the e-commerce shop; and a step in which account linking with the e-commerce shop is completed in the payment application.

The above linking code can be used to generate any type of verification code, such as a one-time password or QR, as shown in Fig. 5.

The step of outputting the linking code on the display of the user terminal is configured to include the payment application requesting the central server to generate the linking code, the central server generating the linking code, and transmitting it to the user terminal. Since the linking code generation is requested by the user executing the payment application and pressing the ‘linking icon’ button, account linking can be performed with one of the user’s terminals, and there is an advantage in that account linking is easily possible through the payment application for each payment-related application or website, such as an e-commerce shop that supports account linking.

The steps of confirming the linkage request and approving the account linkage in the above e-commerce shop are composed of approving the linkage with the payment application when the linkage code entered in the above e-commerce shop matches the linkage code generated by the payment application server.

Once the above account linking is completed, the API (Application Programming Interface) source created by the company managing the payment application is imported from the e-commerce shop or payment gateway company, the API is installed in the payment system of the e-commerce shop or payment gateway company, and a button for payment using the payment application is created in the list of payment methods selected by the e-commerce shop or payment gateway company, and in the future, the user can proceed with the payment process from the e-commerce shop to the payment application.

A method for linking an e-commerce account using a linked block QR through a payment application according to a modified second embodiment of the present invention comprises, as illustrated in FIGS. 6 and 7, a step in which a payment application is requested to be added as a payment method in an e-commerce shop installed in a user terminal; a step in which a linked block QR method is selected as an account linking method in the e-commerce shop; a step in which a linked block QR is output in the e-commerce shop; a step in which a payment application installed in the user terminal is executed; a step in which the linked block QR is scanned in the payment application through the user terminal; a step in which a linking request is confirmed and account linking is approved in the e-commerce shop; and a step in which mutual linking with the e-commerce shop in the payment application is completed.

The above-mentioned interlocking block QR can be used in a way that general Braille or mosaic-style blocks are arranged to contain information, as illustrated in FIG. 7; a way that the arrangement of each block is continuously changed to form an arbitrary block QR, and then the arrangement is fixed the moment the block QR is scanned by the user terminal, and the fixed block QR is compared with the scanned block QR.

The above-mentioned linked block QR scan is possible through input devices such as cameras and scanners attached to the user terminal, and the linked block QR is output from one terminal and scanned from another terminal through different user terminals such as PCs, mobile phones, and scanners. The linked code scan is requested by the user executing the payment application and pressing the ‘Hybrid Scan’ button.

The online payment method using the payment application according to the present invention, which is performed in the payment request step (S12) to the payment completion step (S14), can be performed in two main ways, and for convenience of explanation, they are referred to as e-commerce account linkage payment and login payment, respectively.

The mobile payment method for e-commerce account linkage using a payment application according to the third embodiment of the present invention comprises, as illustrated in FIG. 8, a step (S20) in which an account linkage payment is requested from an e-commerce shop to a payment application server using a ‘payment application’ as a payment method; a step (S21) in which payment request details are transmitted from the payment application server to a payment application installed on a user terminal; a step (S22) in which a payment request notification is popped up on the user terminal through the payment application; a step (S23) in which payment request details and transaction details are confirmed through the payment application; a step (S24) in which payment approval information through a personal signature entered in the payment application is transmitted to a financial institution server and determined; a step (S25) in which payment approval information through payment authentication is determined through the payment application; a step (S26) in which payment approval completion is transmitted from the financial institution server to the e-commerce shop and payment application server; and a step (S27) in which an electronic receipt is printed by the e-commerce shop and payment application.

The above e-commerce account linking payment is a payment method that can only be used when the account linking between the e-commerce shop and the payment application has been completed in advance.

The above payment request details transmission step (S21); the payment request notification pop-up step (S22); and the payment request details and transaction details confirmation step (S23) are steps in which a monitoring function operates on the payment application server. The monitoring function ensures that all processes related to the payment pass through the payment application server and are stored in the database of the payment application server, while providing information so that the user can directly check the progress of the payment step-by-step through the user terminal in the form of a notification on the payment application screen, payment details output, text message, or pop-up.

The above ghosting and monitoring systems are unique functions of the payment application, and can only operate in an e-commerce application linked to the payment application. If other functions are added, they can be used through account linking.

The above-mentioned signature determination step (S24) is a step in which the signature matching function is operated in the financial institution server. The signature matching function is that payment approval information including the signature entered by the user through the user terminal is transmitted to the financial institution server through the payment gateway, and the standard signature comparison match stored in the financial institution server is used to approve the payment if the two signatures match or reject the payment if the two signatures do not match. The above-mentioned signature includes a handwritten signature and/or voice signature entered by an input device other than a terminal, such as a finger, skin, voice, or electronic pen. In addition, the time when the signature matching function is operated in the financial institution server may be immediately after the signature is entered through the user terminal and transmitted to the financial institution server, or after all payment approval information collected after the payment authentication determination step (S25) is transmitted to the financial institution server.

The above payment authentication determination step (S25) may be performed by a biometric method including recognition of fingerprints, face, irises, etc., a password method consisting of numbers or letters that can be entered using an input device of a terminal, etc., and the standard payment authentication information that serves as a basis for comparison may be stored in the user terminal and/or payment application server and/or financial institution server and used for determination.

The above payment completion transmission step (S26) is configured to complete signature matching and payment approval on the financial institution server and transmit payment completion information to the e-commerce shop server and payment application server via the payment gateway.

If the user does not wish to make payment before the payment completion transmission step (S26), it is possible to cancel the payment.

The PC payment method for linking an e-commerce account using a payment application according to a modified third embodiment of the present invention, as illustrated in FIG. 9, is to proceed with a payment request at an e-commerce shop using a PC rather than a mobile terminal among user terminals. Although a user's mobile terminal is required to operate the payment application, if the payment application can be operated on the PC, it may be possible to proceed with a single user PC through the same process as the second embodiment.

The above login payment is a payment method that can be selected when a payment application wants to proceed with payment even though the account linkage between the payment application and the e-commerce shop has not been registered. When using login payment, the account linkage registration step (S11) does not necessarily have to be performed first, and the payment request step (S12) using account linkage is also replaced with login payment that can be used for payment without using account linkage.

A mobile payment method using a payment application login according to a fourth embodiment of the present invention comprises the steps of (S30) requesting a payment application login payment from an e-commerce shop to a payment application server using a ‘payment application’ as a payment method, as illustrated in FIG. 10; (S31) transmitting payment request details from the payment application server to a payment application installed on a user terminal; (S32) automatically executing the payment application on the user terminal; (S33) confirming payment request details and transaction details through the payment application; (S34) transmitting payment approval information through a personal signature entered in the payment application to a financial institution server and determining it; (S35) determining payment approval information through payment authentication through the payment application; (S36) transmitting payment approval completion from the financial institution server to the e-commerce shop and payment application server; and (S37) printing an electronic receipt with the e-commerce shop and payment application.

The above payment application login mobile payment method is a step (S30) in which a payment application login payment is requested to a payment application server using a ‘payment application’ as a payment method in an e-commerce shop; and a step (S32) in which a payment application is automatically executed in the user terminal; a part of the e-commerce account linkage mobile payment method using a payment application is a step (S20) in which an account linkage payment is requested to a payment application server using a ‘payment application’ as a payment method in an e-commerce shop; and a step (S22) in which a payment request notification through the payment application pops up in the user terminal; and the rest of the parts are the same structure and also have the same features of the e-commerce account linkage mobile payment method described above.

A PC payment method using a payment application login according to a modified fourth embodiment of the present invention is performed by, as illustrated in FIG. 11, making a payment request in an e-commerce shop using a PC, not a mobile, among user terminals, and includes a step (S31) in which payment request details are transmitted from the payment application server to the payment application installed in the user terminal; and a step (S32) in which the payment application is automatically executed in the user terminal; which is converted into a step in which a login window of the payment application is output in the user terminal; and a step in which, after the login is completed, payment request details are transmitted from the payment application server to the payment application installed in the user terminal.

The above login window output step may be omitted if automatic login is set for the payment application on the PC.

As shown in FIGS. 9 and 11, the above two PC payment methods basically involve a series of processes in which a user selects an item through an e-commerce shop, requests payment for the item, and receives a receipt for payment completion, all of which are carried out on the user's PC, while payment through a payment application is carried out on the user's mobile phone.

The above monitoring and payment authentication execution step (S13) executes three types of security functions: a monitoring function that allows the user to check the payment details and transaction details currently in progress through the payment application installed on the user terminal described above; a signature matching function that verifies whether the payment party is the user himself by transmitting the user's signature entered in the payment application to the financial institution server and requesting a comparison and matching with the reference signature; and a biometric authentication function that verifies whether the payment party is the user himself using the user's fingerprint or face, etc. The monitoring function, signature matching function, and biometric authentication function can be freely turned ON/OFF by the user through the payment application, so that the operation of each function can be stopped for a quick payment. Accordingly, the order of each step may change as the above functions are turned on or off.

The online self-signature linked payment method using a payment application as described above has the advantage of fundamentally blocking illegal payments by confirming and signing payment information on the terminal of the user who ultimately has the authority to approve the payment, and even if an illegal payment is attempted, the payment can be rejected by the user who is the owner of the card.

The online self-signature linked payment method using the payment application described above allows the user to directly sign the transaction, thereby clarifying responsibility in the event of a transaction dispute.

As described above, the online self-signature linked payment method using a payment application expands the range of payment methods that the user can choose from, such as cards, banks, card points, and digital money registered in the payment application when a payment request notification arrives at the payment application, and at the same time, allows the user to conveniently use the payment application's unique functions, such as payment, security, and additional benefits, that are not provided by e-commerce shops when making purchases through e-commerce shops.

As described above, the best embodiments have been disclosed in the drawings and the specification. Although specific terms have been used herein, they are used only 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, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention should be determined by the technical idea of the appended claims.

1: User terminal
2: Payment Application Server
3: Payment Gateway
4: Financial institution server

Claims (13)

In the online self-signature linked payment method using a payment application,
The online self-signature payment method using a payment application is as follows:
Step of registering a digital card and personal signature in a payment application installed on the user's terminal;
Step of registering account linkage between the e-commerce shop and the above payment application;
A step where payment is requested using the above completed account linking;
A step in which monitoring and payment authentication are performed on the user terminal for the above payment;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of printing an electronic receipt together with an advertisement on the e-commerce shop screen and payment application when the above payment is completed.
In the first paragraph,
An online self-signature linked payment method using a payment application, which allows payment through payment application login instead of payment using the above account linkage.
In the first paragraph,
Registration of digital card and signature in the payment application of the online signature-linked payment method using the above payment application,
Step of accessing the payment application installed on the user terminal;
Step of registering a card by entering card information through the above payment application;
A step for registering a handwritten signature by entering handwritten signature information for the above card;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of transmitting and storing the handwritten signature data from a payment application server to a financial institution server.
In the first paragraph,
When registering your own signature for the online self-signature linked payment method using the above payment application, voice signature is
Step of accessing the payment application installed on the user terminal;
A step of recording voice information for a card registered in the above payment application;
A step of recording a user's voice corresponding to voice information through the user terminal;
A step in which the user's voice corresponding to the voice information is re-recorded through the user terminal;
A step of registering a voice signature composed of the recorded voice;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of transmitting and storing the voice signature data from a payment application server to a financial institution server.
In the first paragraph,
The account linking between the e-commerce shop and the payment application using the online self-signature payment method using the above payment application is as follows:
The step where a payment application is requested to be added as a payment method in an e-commerce store;
A step in which the linking code method is selected as the method of account linking in the above e-commerce shop;
Step where the linking code input window is displayed in the above e-commerce shop;
A step of executing a payment application installed on the user terminal;
A step in which a linking code is output on the display of the user terminal;
A step in which the above linking code is entered into the above linking code input window;
Steps for confirming the linking request and approving account linking in the above e-commerce shop;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of completing account linkage with the e-commerce shop in the payment application.
In paragraph 5,
The account linking between the e-commerce shop and the payment application using the online self-signature payment method using the above payment application is as follows:
The step where a payment application is requested to be added as a payment method in an e-commerce store;
A step in which the linking block QR method is selected as the method of account linking in the above e-commerce shop;
Step where the linked block QR is printed in the above e-commerce shop;
A step of executing a payment application installed on the user terminal;
The step of scanning the above-mentioned linkage block QR in the above-mentioned payment application;
Steps for confirming linking request and approving account linking in the above e-commerce shop;
An online self-signature linked payment method using a payment application, characterized in that it can be carried out through a linkage block QR rather than a linkage code, including a step in which the mutual linkage with the e-commerce shop in the payment application is completed.
In the first paragraph,
The payment method using the completed account linkage of the online self-signature linked payment method using the above payment application is as follows:
The step where a payment application is linked to an account as a payment method in an e-commerce store and payment is requested to the payment application server;
A step in which payment request details are transmitted from the payment application server to the payment application installed on the user terminal;
A step in which a payment request notification pops up through a payment application on the user terminal;
A step in which payment request details and transaction details are confirmed through the above payment application;
A step in which payment approval information entered through the personal signature in the above payment application is transmitted to the financial institution server and verified;
A step in which payment approval information is determined through payment authentication via the above payment application;
A step in which payment approval completion is transmitted from the financial institution server to the e-commerce shop and payment application server;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of printing an electronic receipt using the above e-commerce shop and payment application.
In Article 7,
An online self-signature linked payment method using a payment application, characterized in that the payment method using the completed account linkage of the online self-signature linked payment method using the above payment application can be operated through a PC, not a mobile, among user terminals.
In the first paragraph,
The payment method using the payment application login of the online self-signature linked payment method using the above payment application is as follows:
The step where a payment application is logged in as a payment method in an e-commerce shop and payment is requested to the payment application server;
A step in which payment request details are transmitted from the payment application server to the payment application installed on the user terminal;
A step in which a payment application is automatically executed on the user terminal;
A step in which payment request details and transaction details are confirmed through the above payment application;
A step in which payment approval information is transmitted to the financial institution server and verified through the input of the user's signature via the above payment application;
A step in which payment approval information is determined through payment authentication via the above payment application;
A step in which payment approval completion is transmitted from the financial institution server to the e-commerce shop and payment application server;
An online self-signature linked payment method using a payment application, characterized in that it comprises a step of printing an electronic receipt using the above e-commerce shop and payment application.
In Article 9,
If the payment method using the payment application login for the online self-signature linked payment method using the above payment application is carried out through a PC rather than a mobile terminal among the user terminals,
A step in which payment request details are transmitted from the payment application server to the payment application installed on the user terminal; and
A step in which a payment application is automatically executed on the user terminal;
A step in which a login window for a payment application is displayed on the user terminal;
A method for linking online self-signature payment using a payment application, characterized in that it can be configured and converted into a step in which, after completing the above login, payment request details are transmitted from the payment application server to the payment application installed on the user terminal.
In the first paragraph,
An online self-signature-linked payment method using a payment application, characterized in that a monitoring function and/or a signature matching function and/or a biometric authentication function that operate at the stage where monitoring and payment authentication are executed on the user terminal for the above payment can be omitted through settings in the payment application.
In the first and seventh to tenth paragraphs,
An online self-signature linked payment method using a payment application, characterized in that the payment method using the above account linkage must be preceded by the above account linkage, and the payment method using the payment application login does not require the above account linkage to be preceded.
In the first paragraph,
An online self-signature linked payment method using a payment application, characterized in that the payment-related function of the payment application can be used in an e-commerce shop through the above account linkage.