Online user signature-linked payment method using payment application

Abstract

The present invention relates to an online user signature-linked payment method using a payment application and, more specifically, to an e-commerce and user signature-linked payment method which is an online e-commerce payment method wherein: card information of a user is registered, in the form of a digital card, in a payment application; a user signature is registered for each card in the payment application; when making a payment in an e-commerce shop, the payment is made through the payment application installed in a terminal of the user, payment details are confirmed through the payment application, and payment authentication including the signing of the user's signature is performed through the payment application; and convenient payment through the linking of accounts between the payment application and the e-commerce shop is provided if desired.

Description

Online self-signature payment method using a payment application

[0001] 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, and when making a payment at an e-commerce shop, makes a payment through a payment application installed on the user's terminal, checks the payment details, and makes payment authentication including the self-signature, and provides convenient payment through account linkage between the payment application and the e-commerce shop, if desired.

[0002]

[0003] E-commerce, short for electronic commerce, refers to the buying and selling of goods and services through online networks such as computer communications and the Internet. With the widespread adoption of smartphones, the PC-based e-commerce market is rapidly shifting its focus to mobile shopping. Consequently, the number of sellers, each building their own e-commerce websites or applications to sell products and services, has grown exponentially, and each offers a variety of payment methods. This situation has led to users experiencing inconveniences due to the inability to consistently use a payment method convenient for them when making e-commerce transactions. To address this issue, a prior art technology, patented under patent number 10-1479378, "Payment Method Based on Authentication Code Using Mobile Terminal," proposed a method for customers to authenticate themselves using their own mobile terminals using an authentication code. However, this prior art technology limited payment through mobile terminals to a limited method, relying on a payment intermediary server rather than directly linking with a payment application. Furthermore, it lacked a clear definition of the form, structure, or method for this method.

[0004] Furthermore, financial institutions are required to perform personal authentication procedures to ensure the secure management of individuals' assets. With the rise of online financial transactions, online authentication is becoming increasingly important. From simple authentication methods using preset passwords to enhanced security, biometric authentication methods are being explored. While biometric technology has had relatively low utilization in the financial industry, interest in the use of biometric technologies, such as handwritten signatures, is growing, particularly within the financial industry, leading to the development of authentication systems. To address these issues, a prior art technology, Patent No. 10-1754954, "Personal Authentication System and Method Using Handwritten Signature and Voice," was disclosed. This method proposes a method for performing personal authentication by comparing handwritten signatures and voices. However, this prior art suffers from a lack of clarity regarding the form, structure, and method of connection between payment applications and financial institutions, as well as the payment method itself.

[0005] 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 that can fundamentally block illegal payments by confirming and signing payment information on 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.

[0006]

[0007] The purpose of the present invention is to provide a method for connecting to a payment application installed on 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; a step of transmitting and storing the handwritten signature data from a payment application server to a financial institution server; a step of requesting addition of a payment application as a payment method in an e-commerce shop installed on 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 on the user terminal; a step of displaying a linking code on a display of the user terminal; a step of inputting 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 account linking payment using the 'payment application' as a payment method in the e-commerce shop to a payment application server; The method may be achieved by: a step of transmitting payment request details from the payment application server to a payment application installed on a user terminal; a step of popping up a payment request notification through the payment application on the user terminal; a step of confirming payment request details and transaction details through the payment application; a step of transmitting and determining payment approval information through a user's signature entered in the payment application to a financial institution server; a step of determining payment approval information through payment authentication through the payment application; a step of transmitting payment approval completion from the financial institution server to the e-commerce shop and payment application server; and a step of printing an electronic receipt by the e-commerce shop and payment application.

[0008]

[0009] The online self-signature linked payment method using a payment application according to the present invention has the effect of, first, fundamentally blocking illegal payments by confirming and signing payment information on the terminal of a user with final payment approval authority, second, even if an illegal payment is attempted, the payment can be rejected by the user who is the owner of the card, third, the user can directly sign the card, thereby clarifying responsibility in the event of a transaction dispute, and fourth, expanding the range of payment methods that the user can select when a payment request notification arrives at the payment application.

[0010]

[0011] Figure 1 is an overall execution diagram of an online self-signature linked payment method using a payment application according to a first embodiment of the present invention.

[0012] 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.

[0013] 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.

[0014] Figure 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.

[0015] 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.

[0016] 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 account linking through input of a linked block QR code.

[0017] 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.

[0018] 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.

[0019] FIG. 9 is an execution diagram of an e-commerce account-linked payment method using a PC using an online signature-linked payment method using a payment application according to a modified third embodiment of the present invention.

[0020] 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.

[0021] 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.

[0022] 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.

[0023]

[0024] 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.

[0025] Hereinafter, the present invention will be described in detail by describing a preferred embodiment of the present invention with reference to the attached drawings.

[0026] 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 linkage 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.

[0027] 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.

[0028] 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.

[0029] The above Payment Gateway (3) refers to a payment service provider that provides services to facilitate transactions between financial institutions through various small payment services such as credit cards, account transfers, mobile phone payments, and ARS payments online, in order to simplify the transaction structure where it is difficult to establish direct connections between payment applications and various financial institutions.

[0030] 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, when the payment is completed, an electronic receipt is output together with an advertisement on the e-commerce shop screen and the payment application.

[0031] 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.

[0032] When security checks are required during the process of registering personal information, including a signature for payment through the payment application, and making payments, the above payment application continuously requests PIN codes, biometric authentication, and passwords stored in the payment application account, thereby enhancing security.

[0033] The above PIN code (Personal Identification Number) is a dedicated password used in payment applications. It is usually composed of four digits because the PIN code password is registered when the numeric keypad security system is activated.

[0034] The registration of a digital card and a user's signature in the payment application according to the present invention, which is performed in the digital card and user's signature registration step (S10), includes, as illustrated in FIG. 2, a step of accessing a payment application installed on a user terminal; a step of registering a card by entering card information through the payment application; a step of registering a user's 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.

[0035] The above digital card and signature registration step, as shown in Fig. 2, is performed by accessing the payment application, pressing the 'Card Ghosting' button to deactivate the credit card to prevent personal information leakage, and ghosting the credit card using a one-time payment authentication method for payment to activate credit card payment, thereby registering the digital card, and pressing the 'Manage auto signatures' button to register the handwritten signature.

[0036] 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 utilizing Pay.

[0037] The above handwritten signature can be used to give users the feeling of paying with a physical card even when paying with a digital card, and at the same time, it can help with security by storing a reference handwritten signature based on handwritten signature characteristics such as the time taken from the start of signing to the completion of signing; the flow of lines that make up 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. By comparing the user's handwritten signature entered at the time of payment with the reference handwritten signature, payment approval or rejection can be made.

[0038] Another method of the above-described self-signature, voice signature registration, comprises the steps of: accessing a payment application installed on a user terminal, as illustrated in FIG. 3; recording voice information for a registered card 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.

[0039] The above voice signature can further enhance security by storing a reference voice signature based on voice signature characteristics such as voice tone at the time of signing, intensity information by frequency domain, and intensity ratio, and comparing the user's voice signature input at the time of payment with the reference voice signature to approve or reject payment.

[0040] 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.

[0041] The above handwritten signature and voice signature can be registered and used separately for each digital card. 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.

[0042] The method of linking an e-commerce shop using a payment application according to the present invention, which is performed in the account linking step (S11) between the e-commerce shop and the payment application, can be performed in two main ways, and for convenience of explanation, they are referred to as linking code (Code) and linking block QR (Block QR: Quick Response), respectively.

[0043] A method for linking an e-commerce account using a linking code through a payment application according to a second embodiment of the present invention comprises, as illustrated in FIGS. 4 and 5, a step of requesting addition of a payment application as a payment method in an e-commerce shop installed on a 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 on the user terminal; a step of displaying a linking code on a display of the user terminal; a step of inputting the linking code into the linking code input window; a step of confirming a linking request and approving account linking in the e-commerce shop; and a step of completing account linking with the e-commerce shop in the payment application.

[0044] The above linkage code can be used to generate any type of verification code, such as a one-time password or QR, as shown in Fig. 5.

[0045] The step of outputting the linking code on the display of the user terminal comprises the payment application requesting the central server to generate the linking code, the central server generating the linking code, and transmitting the same 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.

[0046] The step of confirming the linkage request and approving the account linkage in the above e-commerce shop consists of approving the linkage with the payment application when the linkage code entered in the above e-commerce shop matches the linkage code generated in the payment application server.

[0047] Once the above account linking is completed, the company that manages the payment application obtains the API (Application Programming Interface) source from the e-commerce shop or payment gateway company and installs the API in the payment system of the e-commerce shop or payment gateway company, so that a button for paying with 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, users can proceed with the payment process from the e-commerce shop to the payment application.

[0048] 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 of requesting that a payment application be added as a payment method in an e-commerce shop installed on a user terminal; a step of selecting a linked block QR method as an account linking method in the e-commerce shop; a step of outputting a linked block QR in the e-commerce shop; a step of executing a payment application installed on the user terminal; a step of scanning the linked block QR in the payment application through the user terminal; a step of confirming a linking request and approving account linking in the e-commerce shop; and a step of completing mutual linking with the e-commerce shop in the payment application.

[0049] The above-mentioned interlocking block QR can be used in a way that general Braille or mosaic blocks are arranged to contain information, as shown 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 with the user terminal, and the fixed block QR is compared with the scanned block QR.

[0050] The above-mentioned linked block QR scan is possible through input devices such as cameras and scanners attached to the user terminal. The linked block QR is output on one terminal and scanned on another terminal through different user terminals such as PCs, mobile devices, and scanners. The linked code scan is requested by the user launching the payment application and pressing the "Hybrid Scan" button.

[0051] 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.

[0052] A third embodiment of the present invention provides a mobile payment method for linking an e-commerce account using a payment application, as illustrated in FIG. 8. The method comprises the steps of: (S20) requesting an account-linked payment from an e-commerce shop to a payment application server using a 'payment application' as a payment method; (S21) transmitting payment request details from the payment application server to a payment application installed on a user terminal; (S22) popping up a payment request notification through the payment application on the user terminal; (S23) confirming payment request details and transaction details through the payment application; (S24) transmitting payment approval information through a user's signature entered in the payment application to a financial institution server for verification; (S25) determining payment approval information through payment authentication through the payment application; (S26) transmitting payment approval completion from the financial institution server to the e-commerce shop and payment application server; and (S27) printing an electronic receipt through the e-commerce shop and payment application.

[0053] The above e-commerce account linking payment method can only be used when the account between the e-commerce shop and the payment application has been linked in advance.

[0054] 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 is operated in the payment application server. The monitoring function is to store all processes related to the payment through the payment application server and in the database of the payment application server, and at the same time, to provide 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, or pop-up.

[0055] The above ghosting and monitoring systems are unique features of the payment application, and can only be used in e-commerce applications linked to the payment application. If other features are added, they can be used through account linking.

[0056] The above-mentioned signature determination step (S24) is the step where the signature matching function is activated on the financial institution server. The signature matching function is to transmit payment approval information including the user's signature input by the user through the user terminal to the financial institution server via the payment gateway, and to compare and match the standard user's signature stored in the financial institution server. If the two user's signatures match, the payment is approved, or if the two user's signatures do not match, the payment is rejected. The user's signature includes a handwritten signature and / or voice signature input 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 activated on the financial institution server may be immediately after the user's signature is input by 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.

[0057] The above payment authentication determination step (S25) may be performed by a biometric method including recognition of fingerprints, faces, irises, etc., or a password method consisting of numbers or letters that can be entered using the input device of the terminal. 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.

[0058] 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.

[0059] If the user does not wish to make payment before the payment completion transmission step (S26), it is possible to cancel the payment.

[0060] 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 process a payment request from 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.

[0061] The above login payment is a payment method that can be selected when a payment application and an e-commerce shop have not been linked but a payment application wants to make a payment. When using login payment, the account link registration step (S11) does not 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.

[0062] A mobile payment method using a payment application login according to a fourth embodiment of the present invention comprises, as illustrated in FIG. 10, a step (S30) in which a payment application login payment is requested from an e-commerce shop to a payment application server using a 'payment application' as a payment method; a step (S31) in which payment request details are transmitted from the payment application server to a payment application installed on a user terminal; a step (S32) in which the payment application is automatically executed on the user terminal; a step (S33) in which payment request details and transaction details are confirmed through the payment application; a step (S34) in which payment approval information through a user's signature entered in the payment application is transmitted to a financial institution server and determined; a step (S35) in which payment approval information through payment authentication is determined through the payment application; a step (S36) in which payment approval completion is transmitted from the financial institution server to the e-commerce shop and payment application server; and a step (S37) in which an electronic receipt is printed by the e-commerce shop and payment application.

[0063] 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 different and have the same structure and also have the same features of the e-commerce account linkage mobile payment method described above.

[0064] 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, processing a payment request in an e-commerce shop with 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; and a step in which a login window of the payment application is output in the user terminal; and a step in which, after completing the login, payment request details are transmitted from the payment application server to the payment application installed in the user terminal.

[0065] The above login window output step may be omitted if automatic login is set for the payment application on the PC.

[0066] 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 upon completion of payment, 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.

[0067] 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 transmits the user's signature entered in the payment application to the financial institution server and requests a comparison and matching with the reference signature to confirm that the payment party is the user themselves; and a biometric authentication function that verifies that the payment party is the user themselves 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.

[0068] The online self-signature linked payment method using the payment application described above has the advantage of fundamentally blocking illegal payments by verifying 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.

[0069] 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.

[0070] The online self-signature linked payment method using a payment application as described above has the effect of expanding 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 in the payment application, and at the same time, allowing the user to conveniently use the unique functions of the payment application, such as payment, security, and additional benefits that are not provided by e-commerce shops, when making purchases through e-commerce shops.

[0071] As described above, the best practice embodiments have been disclosed in the drawings and specifications. While specific terms have been used herein, they are used solely for the purpose of describing the present invention and are not intended to limit the meaning or scope of the invention as set forth in the claims. Therefore, those skilled in the art will understand that various modifications and equivalent alternative embodiments are possible. Accordingly, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

Claims

1. 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; A step in which account linking between an e-commerce shop and the above payment application is registered; A step in which 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.

2. In paragraph 1, An online self-signature linked payment method using a payment application, which allows payment through login to the payment application instead of payment using the above account linkage.

3. In paragraph 1, Registration of digital card and signature in payment application of online signature-linked payment method using the above payment application, Step of accessing the payment application installed on the user terminal; A step of registering a card by entering card information through the above payment application; A step of 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.

4. In paragraph 1, Voice signature during self-signature registration for online self-signature linked payment method using the above payment application, 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 in which the user's voice corresponding to the voice information is recorded 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.

5. In paragraph 1, The account linking between the e-commerce shop and the payment application using the online signature linking 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 shop; A step in which the linking code method is selected as the method of account linking in the above e-commerce shop; A step where a linkage code input window is displayed in the above e-commerce shop; A step in which a payment application installed on the user terminal is executed; A step in which a linking code is output on the display of the user terminal; A step in which the linking code is entered into the 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.

6. In paragraph 5, The account linking between the e-commerce shop and the payment application using the online signature linking 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 shop; A step in which the linking block QR method is selected as the method of account linking in the above e-commerce shop; Step of printing out the linked block QR code in the above e-commerce shop; A step in which a payment application installed on the user terminal is executed; A step in which the above-mentioned linkage block QR is scanned in the payment application; 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 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.

7. In paragraph 1, 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 the payment application is linked to an account as a payment method in an e-commerce shop and a 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 through the signature entered 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 a payment approval completion alarm 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.

8. In paragraph 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 rather than a mobile terminal among the user terminals.

9. In paragraph 1, 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 a 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 through 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 a payment approval completion alarm 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.

10. In paragraph 9, When using the payment application login for the online self-signature linked payment method using the above payment application, if the payment is made 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 of a payment application is displayed on the user terminal; An online self-signature linked payment method 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.

11. In paragraph 1, 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 a stage where monitoring and payment authentication are executed on a user terminal for the above payment can be omitted through settings in the payment application.

12. In one of paragraphs 1 and 7 to 10, 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.

13. In paragraph 1, An online self-signature linked payment method using a payment application, characterized in that payment-related functions in the payment application can be used in an e-commerce shop through the above account linkage.

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