Patent Publication Number: US-2015088736-A1

Title: Method, apparatus and recording medium for supporting electronic payment

Description:
CROSS-REFERENCE TO RELATED APPLICATION AND CLAIM OF PRIORITY 
     The present application is related to and claims the benefit under 35 U.S.C. §119(a) of a Korean patent application No. 10-2013-0112900 filed in the Korean Intellectual Property Office on Sep. 23, 2013, the entire disclosure of which is incorporated herein by reference. 
     TECHNICAL FIELD 
     The present disclosure relates generally to an electronic wallet server for providing payment-related information using an electronic wallet installed in a user terminal, a system and method for providing payment information using the electronic wallet, and a computer readable recording medium. 
     BACKGROUND 
     The credit card market structure can be classified into a three-party system in which three parties of, generally, a card member, a card member shop, and a credit card company participate in transactions to accomplish the transactions, and a four-party system in which transactions are accomplished through four parties of a card issuer and an acquirer specialized from a credit card company, a card member, and a card member shop. In an example of the three-party system, a Value Add Network (VAN) company can provide authorizations of card transactions between a card company and a card member shop, and recruit and manage card member shops. 
     A payment process through the credit card can be divided into three steps of a credit card authorization between a card member and a card member shop, payment (acquiring) between the card member shop and a card company, and payment collection between the card company and the card member. 
     If a card member presents his/her credit card at a card member shop in order to purchase a product or a service, and a terminal (e.g., a Point Of Sale terminal) of the card member shop scans the credit card, transaction information of the credit card is transmitted to a VAN company. The VAN company transmits the transaction information to a card company, and requests the card company to authorize the transaction. Thereafter, if a transaction authorization from the card company is notified to the terminal of the card member shop through the VAN company, the card member shop sells the product or service to the card member because the credit card has been normally authorized. The above-described process is the credit card authorization between the card member and the card member shop. 
     Thereafter, the card member shop transmits a sales slip (that is, sales data) on which the card member wrote down his/her signature to the card company through the VAN company, and the card company examines the sales slip received from the card member shop. If the card company determines that the sales slip has been normally processed, the card company puts the credit sales money into the card member shop&#39;s account. The above-described process is the payment (acquiring) between the card member shop and the card company, commonly called “acquiring sales slips”. 
     In more detail, the card company subtracts a merchant fee, an installment commission, etc. from the credit sales money (a definite amount of acquiring) to calculate an amount for deposit, and transmits data regarding the amount for deposit to the card company&#39;s bank. Then, the card company&#39;s bank puts the amount for deposit into the card member shop&#39;s account via automatic withdrawal. 
     In the payment collection between the card company and the card member, the card company asks the card member to make a credit card payment until the card member&#39;s payment due date, and if the card member puts money for payment into his/her bank account after checking a statement received from the card company, the card company withdraws the money from the card member&#39;s bank account, thereby completing the procedure of payment. 
     Meanwhile, in case of online transactions, since credit card transactions are processed by receiving and transmitting credit card transactions information through the Internet, telephones, mails, etc. without a face-to-face between buyers and sellers, a Payment Gateway (PG) company can participate in a transaction process to perform a function similar to the VAN company in order to efficiently intermediate and secure information about credit card transactions. 
     However, in the related art, since discount information associated with payment is provided without taking individual users into consideration, a user should himself/herself seek optimal discount information to make a payment. Furthermore, even when the user finds optimal discount information, the user cannot make a payment if he/she does not own the corresponding payment means. 
     The above information is presented as background information only to assist with an understanding of the present disclosure. No determination has been made, and no assertion is made, as to whether any of the above might be applicable as prior art with regard to the present disclosure. 
     SUMMARY 
     A method for supporting electronic payment using an electronic wallet comprises receiving user payment information including a user identifier for paying for an item from a user terminal or a shop payment terminal, determining at least one payment mean available at the payment terminal based on a shop payment information database, retrieving each payment condition with respect to at least one payment mean for the item, based on at least one of the user payment information and the shop payment information database, comparing payment conditions when two or more payment means are available, and transmitting the prioritized payment means based on a result of the comparison to the user terminal or the shop payment terminal. 
     In certain embodiments, the user payment information received from the shop terminal includes at least one of the user identifier, information on the shop, information on an amount of payment, information about the item, and information on payment means. 
     In certain embodiments, the payment conditions comprise at least one of information on cards, discount of the cards, available points, and available gift coupons. 
     In certain embodiments, the compared payment conditions comprises one of amounts of payment with respect to each payment mean, amounts of payment in consideration of available points or gift coupon, and amounts of points to be earned upon a payment. 
     In certain embodiments, comparing of the payment conditions comprises digitizing the payment conditions to compare the digitized payment conditions. 
     In certain embodiments, comparing of the payment conditions comprises weighting each payment condition, and comparing of the weighted payment conditions. 
     In certain embodiments, the payment means are prioritized in ascending order of amounts of payments. 
     In certain embodiments, the payment means are prioritized in ascending order of amounts of earning points. 
     In certain embodiments, the payment means are prioritized in descending order of discount rates. 
     An electronic wallet server comprises a shop information database configured to store shop payment information of at least one shop, a user information database configured to store user payment information of each user with respect to respective user identifiers, a transceiver configured to receive user payment information including the user identifier from either a user terminal or a shop terminal, and a controller configured to retrieve each payment condition with respect to at least one payment mean for the item, based on at least one of the user payment information and the shop payment information database, compare payment conditions when two or more payment means are available, and cause the transceiver to transmit prioritized payment means based on a result of the comparison to the user terminal or the shop payment terminal. 
     On the other hand, information about the method of providing the payment information using the electronic wallet can be stored in a computer-readable recording medium. The computer-readable recording medium can include all kinds of recording medium in which programs and data can be stored to be readable by a computer system. Examples of the computer-readable recoding medium are Read-Only Memory (ROM), Random Access Memory (RAM), Compact Disk (CD), Digital Video Disk-Read Only Memory (DVD-ROM), magnetic tapes, floppy disks, optical data storage devices, and an embedded Multi Media Card (eMMC), and can be also implemented in the form of a carrier wave (for example, transmission through the Internet). Further, 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. 
     Other aspects, advantages, and salient features of the disclosure will become apparent to those skilled in the art from the following detailed description, which, taken in conjunction with the annexed drawings, discloses exemplary embodiments of the disclosure. 
     Before undertaking the DETAILED DESCRIPTION below, it may be advantageous to set forth definitions of certain words and phrases used throughout this patent document: the terms “include” and “comprise,” as well as derivatives thereof, mean inclusion without limitation; the term “or,” is inclusive, meaning and/or; the phrases “associated with” and “associated therewith,” as well as derivatives thereof, may mean to include, be included within, interconnect with, contain, be contained within, connect to or with, couple to or with, be communicable with, cooperate with, interleave, juxtapose, be proximate to, be bound to or with, have, have a property of, or the like; and the term “controller” means any device, system or part thereof that controls at least one operation, such a device may be implemented in hardware, firmware or software, or some combination of at least two of the same. It should be noted that the functionality associated with any particular controller may be centralized or distributed, whether locally or remotely. Definitions for certain words and phrases are provided throughout this patent document, those of ordinary skill in the art should understand that in many, if not most instances, such definitions apply to prior, as well as future uses of such defined words and phrases. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       For a more complete understanding of the present disclosure and its advantages, reference is now made to the following description taken in conjunction with the accompanying drawings, in which like reference numerals represent like parts: 
         FIG. 1  is a block diagram illustrating a payment system according to embodiments of the present disclosure; 
         FIG. 2  describes a payment procedure through a member shop terminal; 
         FIG. 3  describes an online payment procedure through the Internet; 
         FIG. 4  illustrates a payment system according to an embodiment of the present disclosure; 
         FIG. 5  is a block diagram illustrating a configuration of an electronic wallet server according to an embodiment of the present disclosure; 
         FIG. 6  is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present disclosure; 
         FIG. 7  is a flowchart illustrating a method of making a payment using an electronic wallet, according to an embodiment of the present disclosure; 
         FIG. 8  is a flowchart illustrating a method in which an electronic wallet server processes a payment, according to an embodiment of the present disclosure; 
         FIG. 9  is a flowchart illustrating a method in which a user terminal processes a payment, according to an embodiment of the present disclosure; 
         FIG. 10  is a flowchart illustrating a method in which an electronic wallet server provides payment information, according to an embodiment of the present disclosure; 
         FIG. 11  is a flowchart illustrating a method in which a user terminal provides payment information, according to another embodiment of the present disclosure; and 
         FIG. 12  is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present disclosure. 
     
    
    
     Throughout the drawings, like reference numerals will be understood to refer to like parts, components, and structures. 
     DETAILED DESCRIPTION 
       FIGS. 1 through 12 , discussed below, and the various embodiments used to describe the principles of the present disclosure in this patent document are by way of illustration only and should not be construed in any way to limit the scope of the disclosure. Those skilled in the art will understand that the principles of the present disclosure may be implemented in any suitably arranged electronic devices. Example embodiments of the present disclosure are disclosed herein. However, specific structural and functional details disclosed herein are merely representative for purposes of describing example embodiments of the present disclosure, however, example embodiments of the present disclosure may be embodied in many alternate forms and should not be construed as limited to example embodiments of the present disclosure set forth herein. 
     Accordingly, while the disclosure is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that there is no intent to limit the disclosure to the particular forms disclosed, but on the contrary, the disclosure is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the disclosure. 
     It will be understood that, although the terms first, second, etc. may be used herein to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, a first element could be termed a second element, and, similarly, a second element could be termed a first element, without departing from the scope of the present disclosure. As used herein, the term “and/or” includes any and all combinations of one or more of the associated listed items. 
     The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used herein, the singular forms “a”, “an” and “the” are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms “comprises”, “comprising,”, “includes” and/or “including”, when used herein, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. 
     Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this disclosure belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the relevant art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein. 
     Embodiments of the present disclosure provide a system and method for making a payment using an electronic wallet, capable of effectively making a payment by combining offline payment means with an online payment procedure. 
     According to an embodiment of the present disclosure, payment means available at an offline member shop at which a user wants to make a payment is provided to the user terminal, so that a payment procedure can be done at the offline member shop through the user terminal. To do this, by allocating a user Identifier (ID) to each user, and causing a member shop terminal to transmit the user ID to an electronic wallet server, payment information of the member shop and payment information of the user may be analyzed. 
     According to an embodiment of the present disclosure, optimal discount information available at a member shop at which a user wants to make a payment may be provided using the user ID, and payment means may be recommended. For example, according to an embodiment of the present disclosure, when a payment is made, payment means information about at least one payment means, and additional information (e.g., optimal discount information) corresponding to the payment means may be provided. 
     Meanwhile, in the following description for embodiments of the present disclosure, the term “user terminal” may be a device with at least one processor, including a camera, a portable device, a mobile terminal, a communication terminal, a portable communication terminal, and a portable mobile terminal. For example, the user terminal may be a digital camera, a smart phone, a mobile phone, a game, a television (TV), a display device, a head unit for vehicle, a notebook computer, a laptop computer, a tablet computer, a Personal Media Player (PMP), Personal Digital Assistants (PDA), a navigation system, an Automated Teller Machine (ATM), or a Point Of Sales (POS) terminal. Also, the user terminal may be a flexible device or a flexible display device. Also, the user terminal may be a wearable device (e.g., a watch-type device, a glasses-type device, and a clothes-type device). 
     Also, in the following description for the embodiments of the present disclosure, the term “member shop” is defined for convenience of description, and the embodiments of the present disclosure can be applied to a general “shop”. Accordingly, the embodiments of the present disclosure are not limited to be applied to a specific kind of shop (e.g., a member store). 
     Hereinafter, embodiments of the present disclosure will be described in detail with reference to the appended drawings so that one of ordinary skill in the art can easily practice the present disclosure. 
     First, configurations of a system and an apparatus according to embodiments of the present disclosure will be described with reference to  FIGS. 1 to 6 , and then, methods according to embodiments of the present disclosure will be described in detail with reference to  FIGS. 7 to 11 . 
       FIG. 1  is a block diagram illustrating a payment system according to an embodiment of the present disclosure. Referring to  FIG. 1 , the payment system can be configured to include at least one of a user terminal  100 , a member shop terminal  101 , an electronic wallet server  103 , a payment gateway server  104 , and a payment server  105 . The components of the payment system can connect to each other through a communication network  102 . 
     When a user wants to purchase a product or a service and pay the purchase money at a member shop, the member shop terminal  101  (e.g., a POS terminal) installed in the member shop can be used to make the payment. 
     At this time, according to an embodiment of the present disclosure, by inputting the user IDentifier (ID) allocated in advance to the user to the member shop terminal  101 , a payment through the electronic wallet server  103  can be made. 
     There are various methods of inputting the user ID to the member shop terminal  101 . For example, the user ID can be input directly through an input device (e.g., input buttons or a touch screen) provided in the member shop terminal  101 . As another example, the user ID stored in the user terminal  100  can be transmitted to the member shop terminal  101  through a short-range wireless communication device (e.g., a Near Field Communication (NFC) device). As still another example, a barcode stored as the user ID in the user terminal  100  can be displayed on the screen of the user terminal  100 , and a barcode scanner included in the member shop terminal  101  can scan the barcode. The user ID can be account information set in advance to identify the user. The user ID can be any information by which the user can be identified. For example, the user ID can be configured with one(s) selected from among a numeral(s), a character(s), and a symbol(s), or with a combination of one or more of a numeral(s), a character(s), and a symbol(s). However, the user ID is not limited to the above-mentioned information. 
     As such, if the user ID is entered to the member shop terminal  101 , the user ID can be transmitted to the electronic wallet server  103  through the communication network  102 . At this time, as illustrated in  FIG. 4 , the user ID can be transmitted to the electronic wallet server  103  via the payment gateway server  104  (e.g., a POS gateway server such as a VAN company&#39;s server). 
     The member shop terminal  101  can transmit payment-related information (e.g., information about the member shop, information about an amount of payment, information about the product or service to be purchased, and information about payment means) to the electronic wallet server  103 , together with the user ID. 
     The electronic wallet server  103  that has received the user ID from the member shop terminal  101  can search for user payment-related information (e.g., information about available payment means) set in advance by the user, based on the user ID. Also, the electronic wallet server  103  can search for member shop payment-related information (e.g., information about available payment means) of the member shop. Accordingly, the electronic wallet server  103  can provide the user payment-related information and/or the member shop payment-related information to the user terminal  100  so that the payment can be made through the user terminal  100 . 
     According to another embodiment of the present disclosure, since the electronic wallet server  103  knows information about payment means available at the corresponding member shop and information about the corresponding user&#39;s available payment means, the electronic wallet server  103  can transmit information about available payment means by which the user can make the payment at the member shop to the user terminal  100 , with reference to the information about the payment means available at the corresponding member shop and the information about the corresponding user&#39;s available payment means, so that the payment can be more effectively made. According to still another embodiment of the present disclosure, when the individual payment means available by the user have different discount rates or benefits that are provided by the corresponding member shop, the electronic wallet server  103  can provide information about payment means providing a highest discount rate or most benefits to the user terminal  100  in order to recommend the payment means for the user. 
     For example, according to an embodiment of the present disclosure, the electronic wallet server  103  can calculate a discount rate for each of the user&#39;s available payment means, extracts optimal discount information for each of the user&#39;s available payment means, and provide the optimal discount information to the user terminal  100 . According to another embodiment of the present disclosure, the electronic wallet server  103  can extract optimal discount information for each of the payment means available at the corresponding member shop, and provide the optimal discount information to the user terminal  100 . According to still another embodiment of the present disclosure, the electronic wallet server  103  can provide information about payment means capable of collecting most points to the user terminal  100 . 
     In this way, the user terminal  100  can receive the information about available payment means or the optimal discount information from the electronic wallet server  103 , and display the information about available payment means or the optimal discount information on a screen. The user can see the information about available payment means or the optimal discount information displayed on the screen, and select desired payment means from among the available payment means to request a payment. 
     The user terminal  100  can transmit information for requesting a payment by the selected payment means to the electronic wallet server  103 , according to the payment request from the user. The electronic wallet server  103  that has received the information for requesting the payment can perform a payment procedure through the payment server  105 , according to the payment request. 
     In  FIG. 1 , the payment server  105  does not mean a specific server, but mean any server capable of performing payment-related processing. Accordingly, the payment server  105  can include various kinds of servers, such as a communication company server, a card company server, and a financial institution server, for performing payment-related processing according to a payment method. 
     The communication network  102  can be a wired/wireless communication network, and can include various communication networks, such as a Personal Area Network (PAN), a Local Area Network (LAN), a Metropolitan Area Network (MAN), and a Wide Area Network (WAN). Also, the communication network  102  can be a well-known World Wide Web (WWW) or can use wireless transmission technology for short-range communication, such as Infrared Data Association (IrDA) or Bluetooth. Also, the communication network  102  can include a cable broadcasting communication network, a terrestrial broadcasting communication network, and a satellite broadcasting communication network for receiving broadcasting signals. 
     As described above, according to an embodiment of the present disclosure, it is possible to provide a user with a more efficient payment method by combining an offline payment method using the member shop terminal  101  (e.g., a POS terminal) with an online payment method through the user terminal  100 . 
     Hereinafter, for easy understanding of the present disclosure, examples of an offline payment method through a member shop terminal and an online payment method through a user terminal will be described with reference to  FIGS. 2 and 3 . 
       FIG. 2  illustrates a payment procedure through a member shop terminal. Referring to  FIG. 2 , if an offline member shop requests a card payment through a POS terminal, transaction information can be transmitted to the corresponding card company via a VAN company. Then, the card company can notify a transaction authorization to the POS terminal via the VAN company, and the member shop can sell a product or a service to a member customer since the corresponding card has been normally authorized. 
     Thereafter, the member shop can transmit a sales slip on which the member customer has written down his/her signature to the card company via the VAN company, and the card company can examine the sales slip received from the card member shop. If the card company determines that the sales slip has been normally processed, the card company can put the credit sales money into the member shop&#39;s account. Also, the card company can pay a predetermined payment gateway fee for the VAN company. 
       FIG. 3  is a view for describing an online payment procedure through the Internet. Referring to  FIG. 3 , in case of the online payment procedure, unlike the offline payment procedure, since credit card transactions are processed by receiving and transmitting credit card transactions information through the Internet, telephones, mails, etc. without a face-to-face between buyers and sellers, a Payment Gateway (PG) company can participate in a transaction process to perform a function similar to an offline VAN company in order to efficiently intermediate and secure information about credit card transactions. 
     For example, if a user requests an online payment at an online shopping mall, transaction information can be transmitted to a card company through a PG company and a VAN company. The card company can notify a transaction authentication to the online shopping mall through the PG company, and calculate a transaction amount of money, and a merchant fee. 
     Meanwhile, embodiments of the present disclosure provide a method of enabling an offline member shop to easily make a payment online through a user terminal by combining the offline payment method illustrated in.  FIG. 2  with the online payment method illustrated in  FIG. 3 , and the method according to the embodiments of the present disclosure can be implemented through a system illustrated in  FIG. 4 . 
       FIG. 4  illustrates a payment system according to an embodiment of the present disclosure. Referring to  FIG. 4 , if a user ID is input to a member shop terminal  101  through a user terminal  100  or by inputting the user ID directly to the member shop terminal  101 , the member shop terminal  101  can transmit the user ID to an electronic wallet server  103  through a payment gateway server  104 . At this time, as described above, the member shop terminal  101  can transmit information about the member shop, information about an amount of payment, and information about a product to be purchased to the electronic wallet server  103 , together with the user ID. 
     Meanwhile, the user ID can be input by various methods, as described above. For example, the user terminal  100  can transmit the user ID stored therein to the member shop terminal  101  through short-range wireless communication (e.g., NFC communication). As another example, a scanner included in the member shop terminal  101  can scan a barcode or a Quick Response (QR) code including the user ID, displayed on a screen of the user terminal  100 . 
     As such, if payment-related information including the user ID is transmitted to the electronic wallet server  103 , according to an embodiment of the present disclosure, the electronic wallet server  103  can provide payment-related information including information about available payment means, to the user terminal  100 , with reference to member shop payment-related information of the member shop terminal  101 , and user payment-related information of the user, stored to correspond to the user ID. 
     For example, the electronic wallet server  103  can search for the user&#39;s own cards, the user&#39;s own coupons, and discount information stored to correspond to the user ID, and determine whether the user&#39;s own cards, the user&#39;s own coupons, and the discount information are available at the member shop. 
     Then, the electronic wallet server  103  can extract cards, coupons, and discount information available at the member shop from among the user&#39;s own cards, the user&#39;s own coupons, and the discount information, according to the results of the determination, and transmit information about the extracted cards, information about the extracted coupons, and the extracted discount information to the user terminal  100 . Also, according to an embodiment of the present disclosure, the electronic wallet server  103  can calculate a discount rate for each of the payment means by applying the user&#39;s own coupons and the user&#39;s own cards to the payment means, and recommend payment means providing a highest discount rate for the user. For example, if an amount of money to be paid for the corresponding product is lowest when a specific coupon is applied to a specific card, the electronic wallet server  103  can transmit information about the card and the coupon to the user terminal  100  in order to make an optimal payment. 
     According to another embodiment of the present disclosure, when the individual payment means available by the user have different discount rates or benefits that are provided by the corresponding member shop, the electronic wallet server  103  can provide information about payment means providing a highest discount rate or most benefits to the user terminal  100  in order to recommend the payment means for the user. 
     For example, according to an embodiment of the present disclosure, as described above, the electronic wallet server  103  can calculate a discount rate for each of the user&#39;s own payment means, extract optimal discount information for each of the user&#39;s own payment means, and then provide the optimal discount information to the user terminal  100 . According to another embodiment of the present disclosure, the electronic wallet server  103  can extract optimal discount information for each of the payment means available at the corresponding member shop, and provide the optimal discount information to the user terminal  100 . According to still another embodiment of the present disclosure, the electronic wallet server  103  can provide information about payment means capable of collecting most points to the user terminal  100 . 
     If the payment-related information (or the optimal discount information) is transmitted to the user terminal  100 , the user can see the payment-related information displayed on a screen of the user terminal  100 , and select desired payment means to request a payment. The payment-related information that the user can see though the user terminal  100  can include information about the member shop, an amount of payment, information about the product, the user ID, available payment means (e.g., available cards), and information about available coupons. 
     If payment means and/or a coupon is selected through the user terminal  100 , an online payment by the selected payment means and/or the selected coupon can be requested. Information for requesting the payment can be transmitted to the electronic wallet server  103 . 
     According to another embodiment of the present disclosure, if the payment means (e.g., payment means providing a highest discount rate) by which the payment has been requested is not a payment means by which the user can pay, the user terminal  100  can perform a procedure for registering the payment means in order to request a payment by the selected payment means, 
     The electronic wallet server  103  can receive the information for requesting the payment from the user terminal  100 , and perform a payment procedure according to the information for requesting the payment. If information about a coupon to be used is included in the information for requesting the payment, the electronic wallet server  103  can determine whether the coupon is available or usable, and then process the payment. 
     Meanwhile, if the payment means selected by the user is a mobile phone micro-payment service, the electronic wallet server  103  can request a communication company server  430  corresponding to the user&#39;s registered mobile phone to authorize a micro-payment for the user&#39;s mobile phone. The communication company server  430  can authorize the micro-payment for the user&#39;s mobile phone to thereby process the requested payment. Meanwhile, if the payment means selected by the user is a specific credit card, the electronic wallet server  102  can request a card company server  420  corresponding to the credit card to authorize a card payment. 
     At this time, the electronic wallet server  103  can process the payment with the communication company server  420  or the card company server  430  through a PG server  410 . Accordingly, if the communication company or the card company authorizes the payment, the PG server  410  can process the authorization, and then transmit payment authorization information to the electronic wallet server  103 . Thereafter, the electronic wallet server  103  can transmit the payment authorization information to the member shop terminal  101 , and the member shop terminal  101  can finally authorize the payment, and output a receipt. Also, the electronic wallet server  103  can transmit the payment authorization information to the user terminal  100 , and the user terminal  100  can display payment completion information on a screen. 
       FIG. 5  is a block diagram illustrating a configuration of an electronic wallet server according to an embodiment of the present disclosure. Referring to  FIG. 5 , an electronic wallet server  103  can include a member shop payment information registering unit  511 , a user payment information registering unit  512 , a payment information receiver  513 , a payment-related information searching unit  514 , a payment-related information transmitter  515 , a payment request receiver  516 , and a payment processor  517 . Also, the electronic wallet server  103  can further include at least one database, such as member shop information database  521 , user information database  522 , and payment information database  523 . Meanwhile, each database can be included in the electronic wallet server  103 , or constructed as a separate database server. 
     The member shop payment information registering unit  511  can store member shop payment-related information of member shops, including information about payment means available at the individual member shops, in the member shop information database  521 . For example, basic information about member shops, such as names, telephone numbers, and addresses of the member shops, information about payment means (e.g., various kinds of credit cards, a mobile phone payment, etc.) available at the individual member shops, and information about discount rates, discount periods, and coupons that are provided by the individual member shops can be stored in the member shop information database  521 . 
     The user payment information registering unit  511  can store user payment-related information of each user, including information about payment means available by the user, in the user information database  522 . For example, basic information about users, such as IDs, names, phone numbers, and addresses of the users, information about available payment means (e.g., various kinds of credit cards, a mobile phone payment, etc.) registered by the individual users, and information about coupons that the individual users have can be stored in the user information database  522 . 
     The payment information receiver  513  can receive payment-related information (e.g., information about a member shop, information about an amount of payment, and information about a product to be purchased) including a user ID, from a member shop terminal  101 , as described above. 
     The payment-related information searching unit  514  can search for member shop payment-related information of the corresponding member shop and user payment-related information of the corresponding user, stored in the member shop information database  521  and the user information database  522 , respectively. At this time, according to an embodiment of the present disclosure, the electronic wallet server  103  can provide information about payment means and/or coupons that the user corresponding to the user ID can use at the corresponding member shop, to a user terminal  100  of the user, based on the found information. 
     Accordingly, the payment-related information transmitter  515  can analyze the results of the search by the payment-related information searching unit  514 , and transmit information about payment means available by the user to the user terminal  100 . 
     Also, according to an embodiment of the present disclosure, the payment-related information transmitter  515  can analyze the results of the search by the payment-related information searching unit  514  to extract optimal discount information, and provide the optimal discount information to the user terminal  100 . 
     For example, according to an embodiment of the present disclosure, the payment-related information transmitter  515  can calculate a discount rate for each of the user&#39;s own payment means to extract optimal discount information for each of the user&#39;s own payment means, and provide the optimal discount information to the user terminal  100 . According to another embodiment of the present disclosure, the payment-related information transmitter  515  can extract optimal discount information for each of payment means available at the corresponding member shop, and provide the optimal discount information to the user terminal  100 . According to still another embodiment of the present disclosure, the payment-related information transmitter  515  can provide information about payment means capable of collecting most points to the user terminal  100 . 
     The above description relates to a case in which the payment-related information transmitter  515  calculates a discount rate for each of the user&#39;s own payment means to provide optimal discount information. However, embodiments of the present disclosure are not limited to the case, and the payment-related information transmitter  515  can provide various kinds of payment-related information that the user can refer to for a payment. 
     For example, the payment-related information transmitter  515  can compare payment conditions of various methods based on payment-related information collected for the corresponding user and the corresponding member shop, and provide payment-related information according to the results of the comparison to the user terminal  100  so that the user can request the payment using his/her most desired payment condition. 
     For example, the collected payment-related information can be information about the user&#39;s points to be collected according to the payment, information about discount rates of individual card companies, or information about a coupon (e.g., a gift coupon) of the corresponding member shop, which can be used for the payment. Accordingly, the electronic wallet server  103  can compare payment conditions (e.g., information about cards, discount information of the cards, information about available points, and information about available gift coupons) for paying for a product or a service (hereinafter, referred to as an “item”), and provide at least one payment-related information according to the results of the comparison to the user terminal  100 . 
     As an example of comparing the payment conditions, the electronic wallet server  103  can compare amounts of payment by different kinds of payment means, compare amounts of payment by the same payment means according to different payment methods, compare an amount of payment when points are used to an amount of payment when no points are used, compare an amount of payment when a gift coupon is applied to an amount of payment when no gift coupon is applied, and compare the numbers of points to be collected upon a payment, in order to determine whether there is a payment condition more favorable to the user. 
     As another example of comparing the payment conditions, the electronic wallet server  103  can compare the payment conditions in consideration of payment means capable of collecting more points, whether a coupon can be applied, and whether two or more cards can be used together, in addition to comparing the amounts of payments. 
     Also, the electronic wallet server  103  can digitize the individual payment conditions to compare the digitized payment conditions. In this case, the electronic wallet server  103  can digitize the individual payment conditions after allocating a weight to a payment condition that the user prioritizes. 
     The electronic wallet server  103  can provide the user terminal  100  with information about at least one payment condition selected from among the payment conditions, according to a predetermined priority (e.g., a payment condition providing a lowest amount of payment, a payment condition capable of collecting most points, a payment condition allowing use of a coupon, or a payment condition providing a highest discount rate). 
     The user can check information about available payment means or at least one payment-related information (e.g., optimal discount information) displayed on a screen of the user terminal  100 , and select a desired payment condition to request the payment. The payment request receiver  516  can receive the payment request from the user terminal  100 , and perform a payment process with the corresponding payment server  105  through the payment processor  517 . Information that is used in the payment process can be stored in the payment information database  523 . For example, the payment information database  523  can store a date and a time of the payment, the user ID, information about the member shop, information about the corresponding item, and information about the amount of payment. 
       FIG. 6  is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present disclosure. Referring to  FIG. 6 , a user terminal  100  can include a controller  610 , a display unit  620 , an input unit  630 , a communication unit  640 , and a storage unit  650 . 
     An electronic wallet application can be installed and executed in the controller  610  in order for the controller  610  to perform various functions related to embodiments of the present disclosure through the electronic wallet application. The electronic wallet application can include a payment-related information receiver  611 , a payment information selector  612 , and a payment requester  613 . 
     The storage unit  650  can store a user ID  651  and at least one payment-related information  652 . 
     As described above, the user ID  651  stored in the storage unit  650  of the user terminal  100  can be displayed in the form of a barcode through the display unit  620 . The user ID  651  can be transmitted to the member shop terminal  101  (see  FIG. 1 ) through the communication unit  640 . 
     The payment-related information receiver  611  can receive information about payment means available at the corresponding member shop or optimal discount information from the electronic wallet server  103  (See  FIG. 5 ), and the received information about payment means or the received optimal discount information can be displayed through the display unit  620 . 
     The payment information selector  612  can select payment information according to payment means selected by a user through the input unit  630 . The payment requester  613  can request a payment by the payment means selected through the payment information selector  612 . Information for requesting the payment can be transmitted to the electronic wallet server  103  to perform online payment processing. 
     According to another embodiment of the present disclosure, if the payment means (e.g., a payment means providing a highest discount rate) by which the payment has been requested is not a payment means by which the user can pay, the electronic wallet application installed in the user terminal  100  can perform a procedure for registering the payment means in order to request a payment by the selected payment means. 
     Meanwhile, each functional unit and each module in embodiments of the present disclosure can mean functional and structural combination of software to run hardware to perform technical idea of the embodiments of the present disclosure and the hardware. For example, the functional unit can mean a logical unit of hardware resource to perform predetermined code and the predetermined code, and the fact that it does not always mean a code physically connected or one kind of hardware can be easily deducted by normal experts in this technical field of the embodiments of the present disclosure. 
     Hereinafter, methods according to embodiments of the present disclosure will be described in detail with reference to  FIGS. 7 to 11 . 
       FIG. 7  is a flowchart illustrating a method of making a payment using an electronic wallet, according to an embodiment of the present disclosure. Referring to  FIG. 7 , a user ID can be input to a member shop terminal  101  through a user terminal  100  or by inputting the user ID directly to the member shop terminal  101  (operation  702 ), and the member shop terminal  101  can request an electronic wallet server  103  to perform payment processing (operation  704 ). According to an embodiment of the present disclosure, payment-related information can be transmitted to the electronic wallet server  103  (operation  706 ). The payment-related information can include the user ID, and can further include information about the member shop, information about an amount of payment, and information about an item to be purchased. 
     The electronic wallet server  103  can receive the payment-related information from the member shop terminal  101 , and search for information about payment means available at the member shop and information about payment means available by the user (operations  708  and  710 ). Then, the electronic wallet server  103  can create payment-related information including information about payment means by which the user can pay at the member shop, discount information, and coupon information, with reference to the found information about payment means available at the member shop and the found information about payment means available by the user (operation  712 ), and transmit the payment-related information to the user terminal  100  of the user (operation  714 ). 
     The user terminal  100  can display the payment-related information received from the electronic wallet server  103  on a screen (operation  716 ). When the user selects payment means (operation  718 ), the user terminal  100  can request the electronic wallet server  103  to make the payment by the selected payment means (operation  720 ). 
     The electronic wallet server  103  can process the payment according to the payment request from the user terminal  100  (operation  722 ). For example, the electronic wallet server  103  can request a payment server  105  to make the payment (operation  724 ), and the payment server  105  can process the payment according to the payment request from the electronic wallet server  103  (operation  726 ), and then perform a payment procedure with at least one of the electronic wallet server  103 , the user terminal  100 , and the member shop terminal  101  (operation  728 ). 
     If the payment process is completed, the electronic wallet server  103  can transmit the result of the payment to the user terminal  100  and/or the member shop terminal  101  (operations  730  and  732 ). 
       FIG. 8  is a flowchart illustrating a method in which an electronic wallet server processes a payment, according to an embodiment of the present disclosure. Referring to  FIG. 8 , if an electronic wallet server receives payment information including a user ID from a member shop terminal (operation  802 ), the electronic wallet server can search for information about payment means available at the corresponding member shop and information about payment means available by the corresponding user (operations  804  and  806 ). 
     Then, the electronic wallet server can extract payment means that the user can use at the member shop, from the found information about payment means available at the member shop and the found information about payment means available by the user, and determine at least one available payment means from among the extracted payment means (operation  808 ). Successively, the electronic wallet server can transmit information about the determined available payment means to a user terminal of the user (operation  810 ). 
     Meanwhile, if information for requesting a payment by selected payment means is received from the user terminal (operation  812 ), the electronic wallet server can process the payment by the selected payment means with reference to the received information (operation  814 ). 
       FIG. 9  is a flowchart illustrating a method in which a user terminal processes a payment, according to an embodiment of the present disclosure. Referring to  FIG. 9 , a user terminal can install an electronic wallet application therein and execute the electronic wallet application (operation  902 ). Thereafter, the user terminal can receive information about available payment means from an electronic wallet server (operation  904 ). If a user selects payment means (operation  906 ), the user terminal can transmit payment request information including information about the selected payment means to the electronic wallet server (operation  908 ). 
       FIG. 10  is a flowchart illustrating a method in which an electronic wallet server provides payment information, according to an embodiment of the present disclosure. Referring to  FIG. 10 , an electronic wallet server can receive payment information including a user ID from a member shop terminal, and search for payment means available at the corresponding member shop (operation  1002 ). 
     Also, the electronic wallet server can search for payment means registered by the user (operation  1004 ), and determine at least one payment means that the user can use at the member shop (operation  1006 ). 
     At this time, according to an embodiment of the present disclosure, the electronic wallet server can search for a discount condition for each of the payment means (operation  1008 ), and apply the discount condition to the payment means to calculate a discount amount of payment for each of the payment means (operation  1010 ). 
     According to another embodiment of the present disclosure, the electronic wallet server can apply a predetermined condition set by the user to each of the payment means (operation  1012 ). For example, the user can set at least one of a condition of preferentially using predetermined payment means, a condition of preferentially using predetermined payment means with respect to a predetermined item, a condition of preferentially using predetermined payment means with respect to a predetermined member shop, and a condition of not using predetermined payment means or not using points with respect to a predetermined item 
     The electronic wallet server can arrange the payment means according to a priority set as described above (operation  1014 ), or can arrange the payment means according to a priority set in further consideration of a condition(s) set in advance by the user. Then, the electronic wallet server can transmit optimal discount information to the user terminal  100 , based on the result of the arrangement of the payment means according to the priority (operation  1016 ). 
       FIG. 11  is a flowchart illustrating a method in which a user terminal provides payment information, according to another embodiment of the present disclosure. Referring to  FIG. 11 , a user terminal can determine whether or not to use a payment recommendation function (operation  1102 ). If the user terminal does not use the payment recommendation function (“NO” in operation  1102 ), according to an embodiment of the present disclosure, the user terminal can display information about at least one available payment information based on payment-related information received from an electronic wallet server on a screen (operation  1104 ). Thereafter, a user can select desired payment means to request a payment. 
     Meanwhile, if the user terminal uses the payment recommendation function (“YES” in operation  1102 ), according to another embodiment of the present disclosure, the user terminal can receive optimal discount information from the electronic wallet server  103  (operation  1106 ). Thereafter, the user can select desired payment means (operation  1108 ). 
     Then, the user terminal can determine whether the selected payment means is available payment means registered by the user (operation  1110 ). If the user terminal determines that the selected payment means is available payment means registered by the user (“YES” in operation  1110 ), the user terminal can request a payment by the selected payment means (operation  1114 ). However, if the user terminal determines that the selected payment means is nonregistered or unavailable payment means, the user terminal can register the corresponding payment means (operation  1112 ). 
     The methods of providing the payment information using the electronic wallet, according to the various embodiments of the present disclosure, can be implemented as computer-executable programs executable by various computational devices and stored in computer-readable recording medium. The computer readable recording medium can include a program command, a data file, a data structure, or a combination thereof. The program command written to the computer readable recording medium can be specially designed and configured or can be already known to those skilled in the field of computer software. Examples of the computer readable recording medium include magnetic storage media (e.g., hard disks, floppy disks, and magnetic taps), optical recording media (e.g., Compact Disc (CD)-Read Only Memories (ROMs) and Digital Versatile Discs (DVDs)), magneto-optical storage media (e.g., floptical disks), and hardware devices (e.g., ROMs, Random-Access Memories (RAMs), and flash memories) configured to store and execute program commands. Program commands can include, for example, a high-level language code that can be executed by a computer using an interpreter, as well as a machine language code made by a complier. The hardware devices can be configured to be operated by one or more software modules to implement the present disclosure, and vice versa. 
     Also, the user terminal according to the embodiment of the present disclosure can be implemented as one of various electronic devices. An example of such electronic devices can be a smart phone. 
       FIG. 12  is a block diagram illustrating a configuration of a user terminal according to another embodiment of the present disclosure. Referring to  FIG. 12 , a user terminal  100  can include at least one of a controller  110 , a mobile communication module  120 , a multimedia module  140 , a camera module  150 , an input/output module  160 , a sensor module  170 , a state indicator  171 , a storage unit  175 , a power supply unit  180 , and a touch screen  190 . 
     In more detail, the user terminal  100  can connect to an external electronic device (not shown) using at least one of the mobile communication module  120 , a connector  165 , and an earphone connecting jack  167 . Also, user terminal  100  can connect to another mobile device or another electronic device, for example, one of a mobile phone, a smart phone, a tablet PC, a desktop PC, and a server, in a wired/wireless fashion. 
     Communication modules can include the mobile communication module  120 , a sub communication module  130 , and a broadcasting and communication module  141 . The sub communication module  130  can include at least one of a Wireless Local Area Network (WLAN) module  131  and a short-range communication module  132 . The multimedia module  140  can include at least one of the broadcasting and communication module  141 , an audio play module  142 , and a video play module  143 . The camera module  150  can include at least one of a first camera  151  and a second camera  152 . Also, the camera module  150  can further include a flash  153 , a motor  154 , and a body tube  155 . The input/output module  160  can include at least one among one or more buttons  161 , at least one microphone  162 , at least one speaker  163 , at least one vibration device  164 , the connector  165 , and a keypad  166 . 
     The controller  110  can include a Central Processing Unit (CPU)  111 , a ROM  112  that stores control programs for controlling the user terminal  100 , and a RAM  113  that stores signals/data received from an external device or tasks being executed by the user terminal  100 . The CPU  111  can be a single-core processor or a multi-core processor (e.g., a dual-core processor, a triple-core processor, or a quad-core processor). The CPU  111 , the ROM  112 , and the RAM  113  can be connected to each other through internal buses. 
     The controller  110  can control at least one of the mobile communication module  120 , the multimedia module  140 , the camera module  150 , the input/output module  160 , the sensor module  170 , the storage unit  175 , the power supply unit  180 , the touch screen  190 , and the touch screen controller  195 . 
     According to an embodiment of the present disclosure, the controller  110  can install, as illustrated in  FIG. 6 , an electronic wallet application to provide various functions according to the various embodiments of the present disclosure. 
     When the input unit  168  approaches the touch screen  190  or is placed in proximity to the touch screen  190 , the controller  110  can sense a user input event such as a hovering event. Also, the controller  110  can detect various user inputs received through the camera module  150 , the input/output module  160 , and the sensor module  170 , as well as the touch screen  190 . The user input can include various kinds of information input to the user terminal  100 , such as the user&#39;s gesture, the user&#39;s voice, the user&#39;s eye movements, the user&#39;s iris recognition, and a physiological signal from the user, as well as a touch operation. The controller  110  can control the user terminal  100  to perform a predetermined operation or function corresponding to the detected user input. Also, the controller  110  can output a control signal to the input unit  168  or the vibration device  164 . The control signal can include information about a vibration pattern, and the input unit  168  or the vibration device  164  can generate vibration according to the vibration pattern. 
     Also, the user terminal  100  can include at least one of the mobile communication module  120 , a WLAN module  131 , and a short-range communication module  132 , according to performance. 
     The mobile communication module  120  enables the user terminal  100  to connect to an external device through mobile communication using at least one antenna (not shown) under the control of the controller  110 . The mobile communication module  120  can transmit/receive radio signals for voice calls, video calls, Short Message Service (SMS), or Multimedia Message Service (MMS) with a device (not shown) such as a mobile phone, a smart phone, a tablet PC, or another electronic device having a phone number input to the user terminal  100 , to/from the user terminal  100 . 
     The sub communication module  130  can include, as described above, at least one of the WLAN module  131  and the short-range communication module  132 . For example, the sub communication module  130  can include only the WLAN module  131 , only the short-range communication module  132 , or both the WLAN module  131  and the short-range communication module  132 . 
     The WLAN module  131  can connect to the Internet at a place in which a wireless Access Point (AP) is installed, under the control of the controller  110 . The WLAN module  131  supports IEEE802.11x. The short-range communication module  132  can perform wireless short-range communication between the user terminal  100  and an external electronic device under the control of the controller  110 . The short-range communication can include Bluetooth, InfraRed Data Association (IrDA), WiFi-Direct communication, and Near Field Communication (NFC). 
     The broadcasting communication module  141  can receive broadcasting signals (for example, TV broadcasting signals, radio broadcasting signals, or data broadcasting signals) and broadcasting additional information (for example, an Electric Program Guide (EPS) or an Electric Service Guide (ESG)) transmitted from a broadcast station through a broadcasting communication antenna (not shown), under the control of the controller  110 . 
     The multimedia module  140  can include the audio play module  142  or the video play module  143 . The audio play module  142  can reproduce a digital audio file (e.g., a file having the filename extension of “.mp3”, “.wma”, “.ogg”, or “.wav”, for example) that is stored in the storage unit  175  or received, under the control of the controller  110 . The video play module  143  can reproduce a digital video file (for example, a file having the filename extension of “.mpeg”, “.mpg” “.mp4”, “.avi”, “.mov”, or “.mkv”, for example) or a digital audio file that is stored or received under the control of the controller  110 . The multimedia module  140  can be integrated into the controller  110 . 
     The camera module  150  can include at least one of the first camera  151  and the second camera  152  for photographing still images, moving images, or panorama images under the control of the controller  110 . Also, the camera module  150  can also include at least one among the body tube  155  for zooming in/out to photograph a subject, the motor unit  154  for controlling movements of the body tube  155 , and the flash  153  for providing a secondary light source required for photographing the subject. The first camera  151  can be disposed in the front side of the user terminal  100 , and the second camera  152  can be disposed in the rear side of the user terminal  100 . 
     The input/output module  160  can include at least one among the buttons  161 , the microphone  162 , the speaker  163 , the vibration device  164 , the connector  165 , the key pad  166 , the earphone connecting jack  167 , and the input unit  168 . However, the input/output module  160  is not limited to the above-mentioned devices, and a cursor control, such as a mouse, a trackball, a joystick, or cursor direction keys, can also be provided to control the movement of a cursor on the touch screen  190 . 
     The buttons  161  can be provided in the front, side, and/or rear part of the housing of the user terminal  100 . The buttons  161  can include at least one of a power/lock button (not shown), volume buttons (not shown), a menu button (not shown), a home button (not shown), a back button (not shown), a search button (not shown). The microphone  162  can receive voice or sound under the control of the controller  110  to generate an electrical signal. The speaker  163  receives sound corresponding to various signals or data (e.g., radio data, broadcasting data, digital audio data, or digital video data) to the outside of the user terminal  100 , under the control of the controller  110 . Also, the speaker  163  can output sound (e.g., button sounds, currency connection sounds, or the other party user&#39;s voice) corresponding to a function that is performed by the user terminal  100 . The speaker  163  can be provided as at least one unit at an appropriate location (or locations) on the housing of the user terminal  100 . 
     The vibration motor  164  converts an electrical signal into mechanical vibration under the control of the controller  110 . For example, when the user terminal  100  is in a vibration mode, the vibration device  164  operates if a voice call or a video call is received from another device (not shown). The vibration device  164  can be provided as at least one unit in the housing of the user terminal  100 . The vibration device  164  can operate in response to a user&#39;s input to the touch screen  190 . 
     The connector  165  can be used as an interface for connecting the user terminal  100  to an external electronic device (not shown) or a power source (not shown). The controller  110  can transmit data stored in the storage unit  175  of the user terminal  100  to an external electronic device (not shown) through a wired cable connected to the connector  165 , or the controller  110  can receive data of an external electronic device through the wired cable connected to the connector  165 . The user terminal  100  can receive power or charge a battery (not shown) from a power source (not shown) through the wired cable connected to the connector  165 . 
     The keypad  166  can receive key input from a user in order to control the user terminal  100 . The keypad  166  can include a physical keypad (not shown) that is provided on the user terminal  100 , or a virtual keypad (not shown) that is displayed on the touch screen  190 . The user terminal  100  can include no physical keypad according to a structure of the user terminal  100 . The earphone (not shown) can be inserted into the earphone connecting jack  167  to connect to the user terminal  100 . 
     The input unit  168  can be inserted into and held in the user terminal  100 , and when in use, the input unit  168  can be drawn or separated from the user terminal  100 . A detachment/attachment recognition switch  169  that operates in correspondence to attachment and detachment of the input unit  168  can be provided in an area of the user terminal  100  into which the input unit  168  is inserted. The detachment/attachment recognition switch  169  can output a signal corresponding to attachment/separation of the input unit  168  to the controller  110 . The detachment/attachment recognition switch  169  can be configured to directly or indirectly contact the input unit  168  when the input unit  169  is attached in the user terminal  100 . Accordingly, the detachment/attachment recognition switch  169  can generate a signal (i.e., a signal for notifying attachment or separation of the input unit  168 ) corresponding to attachment or separation of the input unit  168  based on whether the detachment/attachment recognition switch  169  contacts the input unit  168 , and outputs the signal to the controller  110 . 
     The sensor module  170  can include at least one sensor for detecting a status of the user terminal  100 . For example, the sensor module  170  can include at least one sensor among a proximity sensor (not shown) for determining whether a user approaches the user terminal  100 , an ambient light sensor (not shown) for measuring an amount of ambient light around the user terminal  100 , a motion sensor (not shown) for detecting motion (rotation, acceleration, or vibration) of the user terminal  100 , a geo-magnetic sensor (not shown) for detecting a point of the compass of the user terminal  100  using the earth&#39;s magnetic field, a gravity sensor (not shown) for detecting a direction in which gravity is applied, an altimeter (not shown) for measuring atmospheric pressure to detect an altitude, and a GPS module  157 . 
     The GPS module  157  can receive radio waves from a plurality of GPS satellites (not shown) on the orbit around the earth, and calculate the location of the user terminal  100  based on a time of arrival of the radio waves from the GPS satellites to the user terminal  100 . 
     The storage unit  175  can store signals or data that is input/output according to operations of the mobile communication module  120 , the multimedia module  140 , the camera module  150 , the input/output module  160 , the sensor module  170 , and the touch screen  190 , under the control of the controller  110 . Also, according to an embodiment of the present disclosure, as illustrated in  FIG. 6 , the storage unit  175  can store a user ID or payment-related information. 
     The storage unit  175  can store control programs and applications for controlling the user terminal  100  or the controller  110 . For example, the storage unit  175  can store an electronic wallet application installed in the user terminal  100 . 
     In this description, the term a “storage unit” includes the storage unit  175 , the ROM  112  or RAM  113  included in the controller  110 , and a memory card (not shown, for example, a Secure Digital (SD) card or a memory stick) installed in the user terminal  100 . The storage unit  175  can include a non-volatile memory, a volatile memory, a Hard Disk Drive (HDD), or a Solid State Drive (SSD). 
     The storage unit  175  can store applications with various functions, such as navigation, a video call, games, a time-based alarm application, etc., images for providing a user with Graphic User Interfaces (GUIs) associated with the applications, user information, document, databases or data related to a method of processing touch inputs, background images (a menu screen, a lock screen, etc.) or operation programs required to drive the user terminal  100 , images photographed by the camera module  150 , etc. 
     The storage unit  175  can be machine (for example, a computer)-readable media, and the term “machine-readable media” can be defined as media of providing data to a machine so that the machine can perform a specific function. The storage unit  175  can include non-volatile media and volatile media. Such a medium needs to be of a tangible type so that commands delivered to the medium can be detected by a physical tool which reads the commands with the machine. 
     The machine-readable media can include at least one among a floppy disk, a flexible disk, a hard disk, a magnetic tape, a Compact Disc Read-Only Memory (CD-ROM), an optical disk, a punch card, a paper tape, a RAM, a Programmable Read-Only Memory (PROM), an Erasable PROM (EPROM), a FLASH-EPROM, and an embedded Multi Media Card (eMMC) 
     The power supply unit  180  can supply power to one or more batteries installed in the housing of the user terminal  100  under the control of the controller  110 . The one or more batteries supply power to the user terminal  100 . The power supply unit  180  can supply power received from an external power source to the user terminal  100  through a wired cable connected to the connector  165 . The power supply unit  180  can supply power received wirelessly from an external power source to the user terminal  100  through wireless charging technology. 
     The user terminal  100  can include at least one touch screen  190  that provides a user with GUIs corresponding to various services (for example, a call, data transmission, broadcasting, and photographing). The touch screen  190  can output an analog signal corresponding to at least one user input inputted to a GUI to the touch screen controller  195 . 
     The touch screen  190  can receive at least one user input through a user&#39;s body part (for example, a finger including a thumb) or the input unit  168  (for example, a stylus pen or an electronic pen). The touch screen  190  can be a resistive touch screen, a capacitive touch screen, an infrared touch screen, an acoustic wave touch screen, or a combination thereof. 
     The touch screen  190  can also include at least two touch panels for respectively sensing touches or approaches of a finger and the input unit  168  so as to respectively receive inputs by the finger and the input unit  168 . The at least two touch panels provide different output values to the touch screen controller  195 , and the touch screen controller  195  recognizes the different output values received from the at least two touch panels to determine whether an input to the touch screen  190  is an input by a finger or an input by the input unit  168 . 
     In this specification, the term “touch” is not limited to a contact of a user&#39;s body part or a pointing device to the touch screen  190 , and can include non-contact recognition (for example, when a user&#39;s body part or a pointing device is located within a recognition distance (for example, 1 mm) in which the user&#39;s body part or the pointing device can be detected without a direct contact to the touch screen  190 ). The recognition distance in which the touch screen  190  can recognize the user&#39;s body part or the pointing device can depend on the performance or structure of the user terminal  100 . 
     The touch screen controller  195  can convert an analog signal received from the touch screen  190  into a digital signal, and transfers the digital signal to the controller  110 . The controller  110  can control the touch screen  190  using the digital signal received from the touch screen controller  195 . The touch screen controller  195  can detect a value (for example, a current value) output through the touch screen  190  to determine an hovering interval or distance as well as a user&#39;s input location, convert the determined distance value into a digital signal (for example, a z coordinate), and then provide the digital signal to the controller  110 . The touch screen controller  195  can detect a value (for example, a current value) output through the touch screen  190  to estimate pressure with which a user input device presses the touch screen  190 , convert the estimated pressure value into a digital signal, and then provide the digital signal to the controller  110 . 
     Therefore, according to the embodiments of the present disclosures, it is possible to increase usability of an electronic wallet by providing a user with information about an optimal discount price when he/she purchases a product or a service, and providing the user with a route for registering a card providing the optimal discount price when he/she does not possess the corresponding card. 
     Although the present disclosure has been described with an exemplary embodiment, various changes and modifications may be suggested to one skilled in the art. It is intended that the present disclosure encompass such changes and modifications as fall within the scope of the appended claims.