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WO2016117792A1 - Procédé de paiement de timbre électronique pouvant être exécuté par ordinateur, terminal utilisateur réalisant ce dernier serveur de paiement de timbre électronique et support d'enregistrement stockant ce dernier - Google Patents

Procédé de paiement de timbre électronique pouvant être exécuté par ordinateur, terminal utilisateur réalisant ce dernier serveur de paiement de timbre électronique et support d'enregistrement stockant ce dernier Download PDF

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Publication number
WO2016117792A1
WO2016117792A1 PCT/KR2015/009991 KR2015009991W WO2016117792A1 WO 2016117792 A1 WO2016117792 A1 WO 2016117792A1 KR 2015009991 W KR2015009991 W KR 2015009991W WO 2016117792 A1 WO2016117792 A1 WO 2016117792A1
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WO
WIPO (PCT)
Prior art keywords
payment
electronic stamp
stamp
user terminal
electronic
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2015/009991
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English (en)
Korean (ko)
Inventor
황인성
김기용
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bd Inc
Original Assignee
Bd Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bd Inc filed Critical Bd Inc
Publication of WO2016117792A1 publication Critical patent/WO2016117792A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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).
  • OTP One Time Password
  • 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.
  • 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 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.
  • the user terminal 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.
  • 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
  • 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.
  • Electronic stamp payment method can be easily paid with a smart phone and a mobile stamp on offline.
  • the electronic stamp payment method may recognize a stamp holding store through a mobile stamp having unique pattern information and provide a purchase related coupon.
  • FIG. 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.
  • FIG. 3 is a block diagram illustrating an electronic stamp payment server in FIG. 1.
  • FIG. 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.
  • 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
  • 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.
  • FIG. 1 is a block diagram illustrating an electronic stamp payment system according to an embodiment of the present invention.
  • 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 receive an electronic stamp for payment and transmit a pattern of the electronic stamp to the electronic stamp payment server 120.
  • 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.
  • 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.
  • 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.
  • the user terminal 110 includes an electronic stamp stamp request unit 210, a payment approval receiver 220, and a controller 230.
  • 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.
  • 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.
  • 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.
  • the electronic stamp stamp request unit 210 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.
  • 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.
  • the user authentication may correspond to a lock password set in the user terminal 110 or an authentication password associated with a payment means.
  • the lock password and the authentication password may be set to one of a PIN, fingerprint recognition, iris recognition, and lock pattern.
  • the electronic stamp stamp request unit 210 may request the stamp of the electronic stamp again.
  • the electronic stamp stamp request unit 210 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.
  • 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.
  • the payment approval request unit 220 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.
  • 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.
  • 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.
  • the electronic stamp may correspond to an One Time Password (OTP) which is dynamically generated according to the reception time of the stamp.
  • OTP One Time Password
  • 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.
  • 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.
  • 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.
  • the mobile stamp or earned points may correspond to a coupon provided by a merchant associated with the electronic stamp.
  • 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.
  • 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.
  • 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.
  • FIG. 3 is a block diagram illustrating an electronic stamp payment server in FIG. 1.
  • 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.
  • 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).
  • OTP One Time Password
  • 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.
  • 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.
  • OTP one-time password
  • 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.
  • 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.
  • the electronic stamp validator 320 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.
  • 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.
  • the payment request unit 330 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.
  • the payment request unit 330 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).
  • a push message or SMS (Short Message Service)
  • SMS Short Message Service
  • 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.
  • FIG. 4 is a flowchart illustrating an electronic stamp payment process performed in the user terminal of FIG. 1.
  • 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.
  • the electronic stamp stamp request unit 210 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).
  • 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.
  • 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.
  • FIG. 5 is a flowchart illustrating an electronic stamp payment process performed by the electronic stamp payment server in FIG. 1.
  • 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.
  • the electronic stamp validator 320 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.
  • 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).
  • 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 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.
  • FIG. 6 is a diagram illustrating payment through a user terminal and an electronic stamp payment server in FIG. 1.
  • 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.
  • 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.
  • FIG. 7 is a diagram illustrating a payment receipt provided to a user terminal by the electronic stamp payment server of FIG. 1.
  • 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.
  • the user terminal 110 may generate and provide a payment approval or payment cancellation receipt.
  • FIG. 8 is a diagram illustrating payment cancellation through a user terminal and an electronic stamp payment server in FIG. 1.
  • the user terminal 100 may provide a payment history list including payment information about at least one purchase. have.
  • 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.
  • 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.

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La présente invention concerne un procédé de paiement de timbre électronique comprenant les étapes consistant : à demander la vérification d'un timbre électronique en présentant des détails de paiement comprenant un moyen de paiement entré par un utilisateur et un montant de paiement, lorsque le montant de paiement pour un produit ou un service demandé d'être acheté par l'utilisateur est déterminé; et à transmettre, lorsque le timbre demandé est reçu électroniquement, les détails de paiement et le timbre électronique vérifié à un serveur de paiement de timbre électronique de façon à recevoir un choix d'approuver ou non le paiement correspondant. Par conséquent, un paiement peut être réalisé de manière commode par un téléphone intelligent et un timbre mobile tout en étant hors ligne.
PCT/KR2015/009991 2015-01-23 2015-09-23 Procédé de paiement de timbre électronique pouvant être exécuté par ordinateur, terminal utilisateur réalisant ce dernier serveur de paiement de timbre électronique et support d'enregistrement stockant ce dernier Ceased WO2016117792A1 (fr)

Applications Claiming Priority (2)

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KR1020150011434A KR20160091149A (ko) 2015-01-23 2015-01-23 컴퓨터 실행 가능한 전자 스탬프 결제 방법, 이를 수행하는 사용자 단말, 전자 스탬프 결제 서버 및 이를 저장하는 기록매체
KR10-2015-0011434 2015-01-23

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