KR101090971B1 - method and system for purchasing goods using tag information - Google Patents

Abstract

The present invention relates to a method of purchasing a product using tag information, a method of purchasing a product using tag information to receive the information of the product using the tag information and to directly order the corresponding products without a separate session connection to the mobile and It's about the system.

To this end, in the present invention, the mobile terminal 120 receives a plurality of pieces of tag information corresponding to a plurality of products by using wireless communication, and the mobile terminal 120 allows the mobile terminal 120 to order the plurality of products in one transaction. Displaying, the mobile terminal 120 receiving a user input for selecting a product to be ordered from among the plurality of products, the mobile terminal 120 ordering information on the product selected through the user input, and the It provides a product purchase method and system using the tag information, characterized in that it comprises the step of transmitting the payment information for payment of the selected product to the Payment Gateway (140).

Description

Method and system for purchasing goods using tag information}

The present invention relates to a method of purchasing a product using tag information, and more particularly, by using tag information to receive the product information using tag information and to directly order the corresponding products without a separate session connection using mobile information. The present invention relates to a method and a system for purchasing a product.

Currently, a method of transmitting tag information in a wireless form is widely used. This is a form that uses tag information as a kind of hyperlink role, and its main purpose is to provide convenience of information access.

Specifically, in the case of a traffic card, it is a method of charging by recognizing the financial information of the user of the corresponding traffic card by RF ID, and thus, an information receiving method using the RFID method is commercially available.

However, there is not yet a system in which the purchase of the corresponding product using the tag information can be directly made to the mobile terminal.

Therefore, it is necessary to build a system that tags the various products so that the purchaser can obtain the information of the corresponding products. If such a system is established, the purchaser will be able to receive the tag information of the product with the mobile terminal and obtain information about the product.

In addition, it is necessary to establish a system that enables the purchase of the product while acquiring the information of the product.

If there is no way to purchase a product directly through the mobile terminal, the buyer can check the product information of the product through the tag information, but to purchase the product again based on the information of the product Efforts are needed to make a separate purchase using online.

Therefore, even though there is an access to the product through the tag information, additional session connection is required, which causes unnecessary trouble for the buyer.

The technical problem to be achieved by the present invention is not only to the hyperlink (hyperlink) role, but also to recognize the tag information as the order information itself to enable online order transaction without additional connection of unnecessary sessions (Session) An object of the present invention is to provide a direct product purchase method using tag information to enable buyer-centered purchase.

In addition, the technical problem to be achieved by the present invention is to ensure the reliability of the tag information by allowing only the authorized person to maintain the tag information.

In addition, the technical problem to be achieved by the present invention, unlike the case of the Internet purchase site, so that the beginning and end of the purchase is made using the mobile terminal of the buyer that the buyer can be trusted media, unlike the Internet purchase site reliability problem for the site Is to prevent the occurrence of

In order to solve the above problems, the present invention is a mobile terminal receiving a plurality of tag information corresponding to a plurality of products by using a wireless communication, the mobile terminal displays a page that can order the plurality of products in a single transaction And receiving, by the mobile terminal, a user input for selecting a product to be ordered from among the plurality of products, and ordering information about the product selected by the mobile terminal through the user input and payment information for payment of the selected product. It provides a product purchase method using the tag information, characterized in that it comprises the step of transmitting to the Payment Gateway (Payment Gateway).

In addition, the present invention receives a plurality of tag information corresponding to a plurality of products by using a wireless communication, displays a page that can order the plurality of products in a single transaction, and for selecting a product to order among the plurality of products Tag information, characterized in that it comprises a mobile terminal for receiving a user input and a payment server for receiving the order information for the goods selected through the user input in the mobile terminal and payment information for the payment of the selected product (Payment Gateway) Provides a product purchase system using.

The product purchase method and system using the tag information according to the present invention described above, the tag information is not merely a hyperlink role, but by allowing the tag information to be recognized as the order information itself, Buyer-centered purchases can be made by enabling online order transactions without additional connections.

In addition, unlike the case of the Internet purchase site, the start and end of the purchase is made by the purchaser's mobile terminal, which is a buyer's reliable medium, unlike the Internet purchase site, there is an effect that does not cause reliability problems for the site. .

First, terms used in the present specification are defined as follows.

The wireless communication used in the present invention refers to a communication mode in which information such as a signal, a code, a video, a voice, and the like can be communicated through a radio wave without using a wire.

An example of wireless communication used in the present invention may be NFC.

NFC is a contactless short-range wireless communication technology that can transmit data at a speed of about 424kbps at a distance of less than 10cm by applying RFID technology using a frequency of 13.56MHz band. If two or more terminals are brought close to each other without the user's artificial manipulation, they can send and receive basic information such as a telephone number, data such as a file or photo, and information necessary for electronic commerce.

In this case, RFID (RFID) technology, which is mainly used, refers to a technology that recognizes information over a long distance by using radio waves. This requires an RFID tag and an RFID reader. An RFID tag (RFID) tag consists of an antenna and an integrated circuit, which records information in the integrated circuit and transmits the information to the RFID reader via the antenna. This information is used to identify the subject to which the RFID tag is attached. In other words, it is similar to a barcode. The difference between RFID is that it uses radio waves instead of reading with light. Thus, RFID readers can read RFID tags over long distances, not only at short distances like barcode readers, but can even receive information through objects in between.

Therefore, as an embodiment of the present invention, a method and a system for receiving tag information by NFC by RFID and purchasing a product according thereto may be considered. Also, as a kind of NFC, Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), and ZigBee can be considered.

However, the wireless communication of the present invention includes not only the case of NFC but also all other cases of wireless communication, and is not limited to the case of NFC.

The terms used in the present invention have been selected as general terms widely used as possible in consideration of functions in the present invention, but may vary according to the intention or custom of the person skilled in the art, the emergence of new technologies, and the like. In addition, in certain cases, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the corresponding description of the invention. Therefore, it is intended that the terms used in the present invention should be defined based on the meanings of the terms and the general contents of the present invention rather than the names of the simple terms.

In addition, in the specification, OI (Order Information) means order information. This means information such as product number or type of the corresponding product. Therefore, it is possible to know what ordered goods by order information.

In addition, PI (Payment Infomation) means payment information throughout the specification. The payment information may include mobile card information or card information. Mobile cards represent a new type of medium used for payment, taking advantage of the mobile terminal's communication connectivity and security, away from the traditional plastic plate. Therefore, the mobile card information refers to information required for payment as information required for purchase of the product. In addition, the card refers to various types of general cards including plastic cards, MS cards or smart cards. Thus, the card information refers to information related to various cards such as credit card numbers.

In addition, throughout the specification, CI (Customer Information) means customer information. That is, information about the customer such as the customer's address or name. Such information is required in the purchase of goods because it is necessary to confirm who the parties are when the goods are delivered and when there is a problem with the purchase of the goods later.

In addition, in the specification, m (Merchant) means a merchant. Merchant is a place that sells the product and also provides the tag information. In other words, the merchant is also a place to provide the tag information for the product, but also provides a corresponding product when a purchase is made once the merchant that provided the tag information and the merchant that provided the product may not match. . This is because a request to purchase a corresponding product may not be entered online by a merchant that provides tag information.

In addition, c (Customer) means the customer throughout the specification. It is a concept that includes both the person who purchases the product and the person who receives the tag information about the product.

In addition, in the specification, b (Bank) means a bank. Banks here are not just general banks that exist as buildings, but also broadly those that provide financial services that perform business related to payment activities online.

In addition, throughout the specification, MD (Message Digest) means a message digest. Message digests are simple strings that are uniquely generated for each message. A message of arbitrary length is repeatedly applied as a one-way hash function, which is expressed as a shortened constant string of bits. Only one message digest is calculated for each message, and the same message digest cannot be calculated in different documents. That is, it means a kind of checksum that can confirm whether the original text has been tampered with. Only the original text can be checked for tampering, and it is impossible to decode the message. Therefore, if a message is digested, it is not possible to determine what the content is, but it can be checked whether the information is accurate or not damaged during transmission.

In addition, throughout the specification, CERT (Certificate) means a public certificate. The accredited certificate is electronic information issued by the accredited certification body for the purpose of verifying identity when making e-commerce transactions, preventing forgery and alteration of documents, and preventing repudiation of transaction facts. It means a seal certificate for cyber transactions.

In addition, the PUB (Public Key) means the public key throughout the specification. The public key means a key that is public among asymmetric key pairs of an entity used in public key cryptography. This is mainly used to determine authenticity in the signature system used.

The public key cryptosystem is a cryptographic key having a cryptographic method and a decryption key that decrypts the decryption. The public key is disclosed to the outside, and the other party sends information using the publicly available encryption key. It is an information encryption method to decrypt the received information by using. In this case, in the public key cryptography method, the encryption key and the decryption key are different from each other, and thus the decryption key cannot be determined by the public encryption key.

In addition, throughout the specification, a PRV (Private Key) means a private key. The private key refers to an undisclosed key used only by that entity among asymmetric key pairs of that entity. It is an encryption key that only knows each other that exchanges secret messages. If one of them loses the key, it causes a danger to the system. To solve this problem, there is a combination of secret and public keys.

In addition, the order information encrypted throughout the specification refers to information that the information about the order ordered by the customer is encrypted with the merchant's public key, which can be decrypted through the merchant's private key.

In addition, the payment information encrypted in the entire specification means information in which payment information related to the payment is encrypted with the public key of the bank, which can be decrypted through the bank's private key.

In addition, throughout the specification, MD _PI means Payment Information (PI), that is, message digested payment information.

In addition, the MD _OI means the order information (OI), that is, the message digested order information information throughout the specification.

In addition, throughout the specification, PUB _b means a public key of a financial institution server.

In addition, the PUB _m means the merchant public key throughout the specification.

In addition, PRV _c means a customer private key throughout the specification.

In addition, PRV _m means the merchant private key throughout the specification.

In addition, in the specification, CERT _c means a customer certificate.

In addition, CERT _m in the entire specification means a merchant certificate.

In addition, throughout the specification, E {A, B} means that the information A is encrypted by using a public key or a private key of B. D {C, D} means that the encryption content of C is a public or private key of D. Decoded using.

In addition, in the entire specification, a payment server is a payment server that allows a buyer to use a credit card or transfer money on the internet for payment in an electronic commerce through an internet shopping mall. It is a kind of electronic payment agency that provides a service that collects a payment from a credit card company or a bank, removes a certain fee, and pays the rest to the seller.

In addition, the entire bank statement (Bank Auth Server) is a concept that includes a card company server means a server online of the financial company associated with the payment.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment according to the present invention.

1 is a schematic configuration diagram schematically showing an example of a method of purchasing a product using tag information and a form of using the system according to the present invention.

The tag 110 is an electronic mark that can be read by an RFID, which includes corresponding product information and affiliated store identification information.

The mobile terminal 120 refers to a mobile communication terminal capable of receiving tag information on a corresponding product and transmitting and receiving information to a payment gateway 140.

Payment Gateway 140 refers to payments from a credit card company or bank with which a buyer transacts on behalf of a seller (shopping mall) in order to allow a buyer to use a credit card on the Internet or make a bank transfer in an electronic commerce transaction. It is a kind of electronic payment agency that provides a service that removes a certain fee after collecting money and pays the rest to the seller.

Merchant Order Server (130) refers to the server of the merchant associated with the product and may be a plurality.

Bank Auth Server 150 is a concept that includes a card company server means a server online of the financial company associated with the payment.

2 is a flow chart according to an example of the present invention in which an operation of a product purchase method using the tag information and the system according to the present invention are configured in order.

First, there is a step of receiving tag information (S210). In this step (S210), the mobile terminal 120 may receive an official certificate and order information including affiliate store identification information. At this time, the order information may be encrypted with the merchant private key.

At this time, the affiliated store identification information is unique information including information on where the corresponding affiliated store is, and may be an item of an accredited certificate. In addition, through the affiliated store identification information, the payment server 140 may find the affiliated store so as not to be duplicated and transmit the order related information.

Next, there is a step (S220) of displaying the order page. In the step S220, the mobile terminal displays contents related to various orders related to whether or not to confirm the purchase of the product having received the tag information. Accordingly, in this step (S220), the selected products are displayed, the items to be purchased are selected, detailed order details related to the products such as quantity and color, input of the destination of delivery and the like can be performed.

One example of such display of an order page can be considered in FIG. 3. As shown in FIG. 3, on the screen of the mobile terminal 120, it is possible to check what is present in the selected products, and by clicking on detailed product information, it is possible to confirm a detailed and detailed description of the corresponding product. It is also possible to choose whether to pay with the main card or other card, which is usually used to pay for the goods. In addition, although not represented in FIG. 3, the operation of selecting items to be purchased through screen switching, inputting detailed orders related to products such as quantity and color, and inputting destination information may be performed. can do.

After selecting the above portion, it is possible to choose whether or not to pay the corresponding amount.

Next, there is a step S230 of selecting an order product. In this step (S230), it is possible to select the products that do not want to order among the products that have received the tag information except the corresponding products. At this stage, therefore, you can finally decide which product to order.

Next, there is a step (S240) of transmitting the order information (OI) and payment information (PI) to the payment server (Payment Gateway) (140). In this step (S240), the mobile terminal 120 may transmit not only the order information (OI) received through the tag information, but also the payment information (PI) to the payment server 140.

At this time, the order information (OI) may be encrypted by the merchant's public key (E {OI, PUB _m }), the payment information (PI) is encrypted with the public key of the financial institution server (E {PI, PUB _b }) is There may be.

Next, the order information is transmitted to the affiliate server, and the payment information is transmitted to the financial institution server (S250).

In step S250, the encrypted order information E {OI, PUB _m } and the encrypted payment information E {PI, PUB _b } are classified. Thereafter, the encrypted order information (E {OI, PUB _m }), the encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), and the message digested payment information (MD _PI ) Send to server. In addition, the encrypted payment information (E {PI, PUB _b }), the encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), the message digested order information (MD _OI ) to the financial company server To send. That is, the merchant-related server (Merchant Order Server) 130 does not deliver the payment related information, and the bank Auth Server 150 does not transmit the order-related information as a whole, and the distinction for this is the payment gateway (Payment Gateway) ( 140).

The reason for encrypting the composite information (MD _OI + MD _PI ) with the customer's private key (E {(MD _OI + MD _PI ), PRV _c }) as described above is to prevent transaction denial. That is, if the encryption as described above has the effect of signing the information with the customer's private key, it is possible to prevent the buyer to deny the transaction later if there is this information. Encrypting the information with the customer's private key is possible only for the customer with the private key, so if the encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }) is found, Can prove that the customer did. Thus, if there is a transaction, the customer cannot claim that there is no transaction, thus enabling more stable commerce.

In addition, the reason for the message digest of the order information (OI) and payment information (PI) is to maintain the security of the information while the information is transmitted to the payment agent. For example, mobile card information or credit card numbers, etc., is information that requires security as personal payment information of an individual. Therefore, it is dangerous to send the information to the payment server as it is. However, it is necessary to confirm whether the information is correct. Therefore, the order information (OI) and the payment information (PI) send message digested information (MD _OI , MD _PI ) to confirm that the information is correct without error, but the contents of the information cannot be verified. I can bring it. In other words, only the message digest payment information is sent to the merchant server, and only the message digest order information is sent to the financial institution server so that the forgery of the contents can be checked and the payment transaction is normal.

Next, there is a step (S260) of notifying the customer of the payment result. In this step, the customer is notified of the result according to various situations, such as whether the corresponding extra product is out of stock and whether the payment is made normally. For example, if the order is normally received and the payment is made, the corresponding information is transmitted to the payment gateway 140. If there is a problem and the payment has not been made, the payment is not made for the reason and the goods are shipped. The number may be transmitted to the payment gateway 140.

When the payment server 140 receives such a notification from the merchant server and the financial institution server, the payment server 140 transmits the corresponding information to the mobile terminal of the customer. The method is not limited, but an example of the implementation may be a method of notifying a payment result through a text message.

3 illustrates an example of a screen implemented in a corresponding mobile terminal for selecting and paying for a corresponding product when a plurality of products are selected in the present invention.

In the example of this figure, the selected product icon 121 refers to an icon that shows the products in which the tag information is received on the mobile terminal 120 as a general overview. There may be a plurality of products, and because they represent general selection products, the contents of the specific products cannot be checked in this icon.

In the example of this figure, the detailed product information confirmation button 122 is a button for confirming detailed product information. Click this button to see more detailed information such as a list of selected products and their colors and prices.

In the example of this figure, the payment method selection icon 123 may select a payment method. You can choose whether you want to pay with your primary card or choose another card view to pay with another card. In addition, it is possible to add other payment methods such as bank transfer.

In the example of this figure, the payment selection icon 124 is for selecting whether to pay for the corresponding products. If the user wants to make a payment as displayed on the mobile terminal 120, he / she may select payment and select cancel if he / she wants to cancel the selection.

4 is a detailed configuration diagram illustrating the configuration and operation of a product purchase method and a system using tag information according to the present invention in more detail.

The tag 110 is an electronic mark that can be read by an RFID (RFID) or the like including corresponding product information and affiliated store identification information. It can be read by RF ID, etc., but is not limited to RF ID method.

In this case, the tag information may be rewritable, and when the information of the corresponding product is changed, the tag information may be modified. At this time, only authorized persons can make a signing process so that the tag information can be maintained. The recording of tag information can also be made possible to be processed by a contactless read / write (R / W) terminal. Such tag information can be maintained only by authorized persons to ensure the reliability of the tag information.

The mobile terminal 120 refers to a communication terminal capable of moving a customer for receiving tag information on a corresponding product and transmitting and receiving information to a payment gateway 140. In addition, a mobile terminal refers to a mobile device in which a user is issued a mobile card in an OTA (Over The Air) method and can be used for transactions such as purchase or payment, and includes all mobile devices equipped with a wireless communication function such as a mobile phone or a PDA. Can be.

In addition, in the present invention, the mobile terminal 120 may transmit not only the order information (OI) received through the tag information, but also the payment information (PI) to the payment server 140. At this time, the order information (OI) may be encrypted by the merchant's public key (E {OI, PUB _m }), the payment information (PI) is encrypted with the public key of the financial institution server (E {PI, PUB _b }) is There may be.

In this case, the information transmitted to the payment gateway 140 may further include message digested order information MD _OI and message digested payment information MD _PI . In addition, the information transmitted to the payment gateway 140 is synthetic information (MD _OI + MD _PI ) connecting the message digested payment information (MD _PI ) and the message digested order information (MD _OI ). It may further include the information (E {(MD _OI + MD _PI ), PRV _c }) is encrypted with the customer's private key.

In this way, the order information is message digest (MD _OI ), the payment information is message digest (MD _PI ), the order information (OI) is encrypted by the merchant's public key (E {OI, PUB _m }), or the payment information (PI). ) Is encrypted using the public key of the financial institution server (E {PI, PUB _b }), or the composite information (MD _OI + MD) connecting the message digested payment information (MD _PI ) and the message digested order information (MD _OI ). _The task of encrypting _PI (E {(MD _OI + MD _PI ), PRV _c }) with the private key of the customer may be performed in the mobile terminal 120.

In addition, the mobile terminal 120 may basically have both a customer information (CI) or a customer certificate (CERT _c ). In addition, the mobile terminal 120 may receive a notification from the payment gateway 140 about whether the corresponding order and payment were normally made.

Therefore, unlike the case of the Internet purchase site, since the start and end of the purchase is made using the buyer's mobile terminal 120, which is a reliable medium for the buyer, unlike the Internet purchase site, there is a feature that does not cause reliability problems with the site. have.

Payment Gateway 140 refers to payments from a credit card company or bank with which a buyer transacts on behalf of a seller (shopping mall) in order to allow a buyer to use a credit card on the Internet or make a bank transfer in an electronic commerce transaction. It is a kind of electronic payment agency that provides a service that removes a certain fee after collecting money and pays the rest to the seller.

The payment server 140 classifies the encrypted order information E {OI, PUB _m } and the encrypted payment information E {PI, PUB _b }. Then, the encrypted order information (E {OI, PUB _m }), the encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), and message digested payment information (MD _PI ) are transmitted to the affiliate server. do. Also, encrypted payment information (E {PI, PUB _b }), encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), and message digested order information (MD _OI ) are transmitted to the financial institution server. .

In addition, the payment server 140 may check whether the order and the payment were normally made according to the result of receiving the response from the merchant server 130 and the bank Auth Server 150. Notify the mobile terminal 120 as to whether or not. There is no restriction on the notification method, but as an example of the implementation, a payment result notification method through a text message may be used.

That is, in the present invention, the payment server 140 may be regarded as a unit that performs an intermediary role between the mobile terminal 120, the affiliate server, and the financial institution server.

Merchant Order Server (130) refers to the server of the merchant associated with the product and may be a plurality. Merchant server 130 is encrypted order information (E {OI, PUB _m }), encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), message digest payment information (MD _PI ) Received from the mobile terminal 120 to determine whether the order was made normally. And a result of whether or not the order was made normally is transmitted to the payment server (Payment Gateway) (140).

Bank Auth Server 150 is a concept that includes a card company server means a server online of the financial company associated with the payment. Bank Auth Server 150 is encrypted payment information (E {PI, PUB _b }), encrypted composite information (E {(MD _OI + MD _PI ), PRV _c }), message digest order information The MD _OI is received from the mobile terminal 120 to determine whether the corresponding payment is normally made. In addition, a determination result of whether the corresponding payment is normally made is transmitted to the payment server 140.

According to one embodiment of the present invention described above, the above-described method can be embodied as computer readable codes on a medium in which a program is recorded. The computer-readable medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes. In addition, the computer may include the controller 180 of the terminal.

In addition, the method and system for purchasing goods using the tag information described above is not limited to the configuration and method of the embodiments described above, the present invention without departing from the spirit of the invention claimed in the claims Various modifications can be made by those skilled in the art and such modifications are within the scope of the present invention. In addition, the above embodiments may be configured by selectively combining all or some of the embodiments so that various modifications may be made.

1 is a schematic configuration diagram schematically showing an example of a method of purchasing a product using tag information and a form of using the system according to the present invention.

2 is a flow chart according to an example of the present invention in which an operation of a product purchase method using the tag information and the system according to the present invention are configured in order.

3 illustrates an example of a screen implemented in a corresponding mobile terminal for selecting and paying for a corresponding product when a plurality of products are selected in the present invention.

4 is a detailed configuration diagram illustrating the configuration and operation of a product purchase method and a system using tag information according to the present invention in more detail.

<Description of Symbols for Main Parts of Drawing>

110: tag 120: mobile terminal

130: merchant server 140: payment server

150: financial company server 121: select product icon

122: Detailed product information check button 123: Payment method selection icon

124: Choose whether to pay icon

Claims (12)

Receiving, by the mobile terminal, a plurality of tag information corresponding to the plurality of products using wireless communication; Displaying a page in which the mobile terminal can order the plurality of products in one transaction; Receiving, by the mobile terminal, a user input for selecting a product to be ordered from the plurality of products; Encrypting, by the mobile terminal, order information (OI) for a product selected through the user input with a merchant public key; Encrypting, by the mobile terminal, payment information (PI) for payment of the selected product with a public key of a financial company server; The mobile terminal message digesting the order information (OI); The mobile terminal message digesting the payment information (PI); Encrypting, by the mobile terminal, the composite information connecting the message digested payment information (MD _PI ) and the message digested order information (MD _OI ) with a private key of a customer; And The encrypted order information E {OI, PUB _m }, the encrypted payment information E {PI, PUB _b }, the message digested order information MD _OI , the message digested payment information MD _PI And transmitting the encrypted composite information to a payment gateway. The method of claim 1, wherein the tag information is The product purchase method using the tag information, characterized in that it comprises an authorized certificate having items of order information and merchant identification information corresponding to the tag. The method of claim 2, wherein the order information corresponding to the tag is The product purchase method using the tag information, characterized in that encrypted with the merchant's private key. delete delete The method of claim 1 wherein after the transmission, Transmitting, by the payment server, the encrypted order information (E {OI, PUB _m }), the encrypted composite information, and the message digested payment information (MD _PI ) to a merchant server; And The payment server further comprises the step of transmitting the encrypted payment information (E {PI, PUB _b }), the encrypted composite information, the message digested order information (MD _OI ) to a financial institution server How to buy a product using tag information. Receive a plurality of tag information corresponding to a plurality of products by using wireless communication, display a page for ordering the plurality of products in a single transaction, and receives a user input for selecting a product to order among the plurality of products Encrypts the order information (OI) for the selected product through the user input with a merchant public key, encrypts the payment information (PI) for payment of the selected product with a public key of a financial company server, and message the order information (OI) A mobile terminal for digesting the message and digesting the payment information _PI and encrypting the synthesized information connecting the message digested payment information MD _PI and the message digested order information MD _{OI with} a private key of a customer; And The encrypted order information E {OI, PUB _m }, the encrypted payment information E {PI, PUB _b }, the message digested order information MD _OI , and the message digested payment in the mobile terminal. And a payment server for receiving the information (MD _PI ) and the encrypted composite information. The method of claim 7, wherein the tag information is The product purchase system using the tag information, characterized in that it comprises an authorized certificate having items of order information and merchant identification information corresponding to the tag. The method of claim 8, wherein the order information corresponding to the tag is A product purchase system using tag information, which is encrypted with a merchant private key. delete delete 8. The payment gateway of claim 7, wherein the payment server The encrypted order information (E {OI, PUB _m }), the encrypted composite information, the message digested payment information (MD _PI ) is transmitted to a merchant server, and the encrypted payment information (E {PI, PUB _b) }), Commodity purchase system using the tag information, characterized in that for transmitting the encrypted composite information, the message digested order information (MD _OI ) to a financial institution server.

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