KR101669012B1 - System and method for payment using smart card and nfc communications - Google Patents

System and method for payment using smart card and nfc communications Download PDF

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Publication number
KR101669012B1
KR101669012B1 KR1020150049040A KR20150049040A KR101669012B1 KR 101669012 B1 KR101669012 B1 KR 101669012B1 KR 1020150049040 A KR1020150049040 A KR 1020150049040A KR 20150049040 A KR20150049040 A KR 20150049040A KR 101669012 B1 KR101669012 B1 KR 101669012B1
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South Korea
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information
user terminal
authentication
card
server
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KR1020150049040A
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Korean (ko)
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KR20160120380A (en
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김동수
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한국스마트아이디 주식회사
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Priority to KR1020150049040A priority Critical patent/KR101669012B1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a payment system using NFC communication with a smart card and a method thereof. When a user requests an on / offline payment, the user terminal receives card information and authorized certificate information from the user's smart card through NFC communication The present invention has been made in view of the above problems, and it is an object of the present invention to provide a system and method for easily receiving payment.
In order to accomplish the above object, the present invention provides a smart card communication system, which communicates with a smart card through NFC communication to receive card information and authorized certificate information from the smart card, A user terminal for transferring and performing settlement; An operation server for requesting card information and authorized authentication to the user terminal according to a payment request signal received from the merchant server and for confirming the authorized authentication based on the received information and performing payment processing; A merchant server for receiving a user terminal number from the user terminal, generating a payment request signal for the purchase target, and transmitting the generated payment request signal and the received user terminal number to the operation server; .

Description

TECHNICAL FIELD [0001] The present invention relates to a payment system using a smart card and a payment system using the same,

The present invention relates to a settlement system and a method thereof, and more particularly, to a settlement system and a method thereof, and more particularly, to a settlement system and a method thereof, in which a user terminal easily performs payment using card information and authorized certificate information received through NFC (Near Field Communication) The present invention relates to a system and a method for performing the same.

Regarding the technology for storing information in USIM or for reading stored information, there are a number of registered and disclosed in addition to Korean Patent Laid-Open No. 10-2014-0066577 (hereinafter referred to as "precedent document").

The foregoing prior art document discloses a system for providing an order and settlement service through a customer terminal equipped with an electronic wallet application for reading card information stored in a USIM, To the customer terminal and receives payment request information including order information and card information through the electronic wallet application; And a virtual point-of-sale system (POS) server for requesting settlement approval to the card issuer server based on the settlement request information and receiving payment approval according to the inquiry result, And an electronic number table for receipt and order receipt is issued to the customer terminal.

However, in the related art including the above-mentioned prior art, there is a limit in the security of the payment process as a method of transmitting a plurality of personal information through the merchant server or the merchant local terminal.

Korean Patent Publication No. 10-2014-0066577.

Disclosure of the Invention Problems to be Solved by the Invention The present invention has been made to solve the problems of the security weakness of the current online settlement system at the time of card settlement and financial transaction and the inconvenience of customers, leakage due to use of plural user IDs and passwords, A system in which a user terminal can easily receive payment information by receiving card information and authorized certificate information from a user's smart card through NFC communication when the on / offline payment request is generated, and a method thereof In order to solve the problem.

According to an aspect of the present invention, there is provided a settlement system using NFC communication with a smart card, which receives card information and authorized certificate information from the smart card by communicating with the smart card through NFC communication, A user terminal for transmitting authentication confirmation information of a user for information and public authentication to an operation server to perform settlement; An operation server for requesting card information and authorized authentication to the user terminal according to a payment request signal received from the merchant server and for confirming the authorized authentication based on the received information and performing payment processing; A merchant server for receiving a user terminal number from the user terminal, generating a payment request signal for the purchase target, and transmitting the generated payment request signal and the received user terminal number to the operation server; .

The user terminal may further include an NFC unit communicating with the smart card through NFC communication to receive card information and authorized certificate information from the smart card; And a user terminal number to the merchant server, generates an input window for reading the received card information and authorized certificate information, receives authentication confirmation information of the user for authentication, transmits the user confirmation information to the operation server, An information management unit for transmitting the received card information to an operation server; .

In addition, the NFC unit may display a smart card proximity request signal for NFC communication when card information and a push message requesting public authentication are received from the operation server.

Also, the information management unit may use the stored card information and the authorized certificate information when the card information and the authorized certificate information are stored in the USIM and the push information requesting the card information and the public authentication is re-received .

Further, the authentication information of the user is at least one of an authorized authentication PIN number, a dynamic signature, and fingerprint identification information.

The operation server may further include: a message generator for transmitting the card information and the push message requesting public authentication to the user terminal when receiving the settlement request signal from the merchant server; And transmits the authentication information and the card information received from the user terminal to the payment server when the authentication of the user is completed through the public authentication server A certificate verification unit; And a settlement processing unit for performing a settlement process by transmitting and receiving a signal relating to settlement processing including the card information and the authorized authentication completion information to and from the settlement company server; And a control unit.

The merchant server receives the user terminal number in the merchant payment request window through the terminal connected to the user terminal or the merchant server when online, and when the merchant terminal is offline, transmits the user terminal number through the NFC or P2P method with the merchant payment terminal And receives an input.

According to another aspect of the present invention, there is provided a payment method using an NFC communication with a smart card, the method comprising the steps of: (a) receiving a payment request signal and a user terminal number for an object to be purchased; (b) generating a push message for requesting card information and authorized authentication by the operating server and transmitting the generated push message to the corresponding user terminal; (c) receiving the card information and the authorized certificate information from the smart card by communicating with the smart card through the NFC communication; (d) receiving the received card information and authorized certificate information from the user terminal; (e) the user terminal generates an input window for reading the received card information and authorized certificate information, receives authentication confirmation information of the user for public authentication, and transmits the authentication confirmation information to the operation server, Transmitting the card information to the operation server; (f) verifying authentication confirmation information of a user by the operation server through the public authentication server, and transmitting the public authentication completion information and the card information to the payment server when the public authentication is completed; And (g) performing a settlement process by the operating server transmitting and receiving a signal relating to settlement processing including card information and authorized authentication completion information to and from a payment company server; .

In addition, (a) comprises: (a-1) transmitting the user terminal number to the merchant server by the user terminal; (a-2) the merchant server generating a payment request signal for a purchase target; And (a-3) transmitting the settlement request signal generated by the merchant server and the user terminal number received in the step (a-1) to the operation server; And a control unit.

Further comprising the steps of: (b) after the step (b), displaying the smart card proximity request signal for NFC communication when the user terminal receives a push message requesting card information and public authentication from the operation server; And a control unit.

Further comprising the steps of: (h) after the step (g), transmitting, by the operation server, a payment completion completion push message according to a payment process to the user terminal and simultaneously transmitting card approval information to the merchant server; And a control unit.

After step (g), (i) the user terminal determines whether or not the card information and the authorized certificate information are stored in the USIM, and the user terminal re-receives the card information and the push message requesting public authentication process; And (j) if the card information and the authorized certificate information are stored in the USIM as a result of the determination in the step (i), and the push message requesting the card information and the public authentication is received again, The process of implementing procedures; And a control unit.

According to the present invention, the user terminal can receive the card information and the authorized certificate information from the smart card of the user through the NFC communication and use the received card information and perform the financial transaction including payment.

Also, according to the present invention, the security of the settlement process can be enhanced by transmitting only the user terminal number to the merchant server.

According to the present invention, the card information and the authorized certificate information are stored in the USIM, so that payment can be easily performed using the stored card information and the authorized certificate information without NFC tagging at the next settlement.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram schematically illustrating a billing system using NFC communication with a smart card according to the present invention; FIG.
2 is a detailed configuration diagram of a user terminal according to the present invention;
3 is a detailed configuration diagram of an operation server according to the present invention;
FIG. 4 is an overall flowchart of a payment method using NFC communication with a smart card according to the present invention; FIG.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. It is to be noted that the detailed description of known functions and constructions related to the present invention is omitted when it is determined that the gist of the present invention may be unnecessarily blurred.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in detail with reference to the accompanying drawings.

A payment system using NFC communication with a smart card according to the present invention will be described with reference to FIGS. 1 to 3. FIG.

FIG. 1 is a block diagram schematically showing a payment system S using NFC communication with a smart card according to the present invention. As shown in FIG. 1, a user terminal 100, an operation server 200, 300, an authorized authentication server 400, and a payment company server 500.

The user terminal 100 is a portable terminal device such as a smart phone having an NFC function, and can perform NFC communication and can install and operate an application for card settlement and authorized authentication.

The user terminal 100 according to the present invention communicates with the smart card 10 through NFC communication to receive card information and authorized certificate information from the smart card 10 and transmits the card information and user authentication information And transmits the authentication confirmation information to the operation server 200 to perform settlement. As shown in FIG. 2, the NFC unit 110 and the information management unit 120 are included.

Specifically, the NFC unit 110 displays a smart card proximity request signal for NFC communication when the card information and the push message requesting the public authentication are received from the operation server 200, and transmits the smart card proximity request signal to the smart card 10 And receives the card information and the authorized certificate information from the smart card 10.

The information management unit 120 transmits the user terminal number to the merchant server 300, generates an input window for reading the received card information and the authorized certificate information, and generates an authorized authentication PIN number for the authorized authentication, a dynamic signature, And transmits the received authentication information to the operation server 200. The NFC unit 110 transmits the received card information to the operation server 200. [

Meanwhile, when the information management unit 120 of the user terminal 100 wants to transmit the user terminal number to the merchant server 300, the information management unit 120 can transmit the number to the merchant payment request window when the user terminal 100 is online, The number can be transmitted through the NFC or Peer to Peer (P2P) method with the terminal.

Also, the NFC unit 110 may store the received card information and the authorized certificate information in the USIM. That is, when the received card information and the authorized certificate information are stored in the USIM, it is not necessary to receive the card information and the authorized certificate information from the smart card 10 again. At this time, when the card information and the push message requesting the public authentication are re-received from the operation server 200, the information management unit 120 can use the card information previously stored in the USIM and the authorized certificate information.

On the other hand, when an online financial transaction request is generated, the user terminal 100 can perform a financial transaction using only authorized certificate information except card information.

The operation server 200 requests card information and authorized authentication to the user terminal 100 according to the payment request signal received from the merchant server 300. Upon receipt of the request, the operation server 200 confirms the authorized authentication based on the received information, And performs a message generation unit 210, a certificate verification unit 220, and a payment processing unit 230 as shown in FIG.

Specifically, when the message generating unit 210 receives the settlement request signal from the merchant server 300, the message generating unit 210 transmits the card information and the push message requesting public authentication to the corresponding user terminal 100.

The certificate verification unit 220 receives user authentication information such as a PIN number, a dynamic signature, and fingerprint identification information from the user terminal 100, verifies the authentication information through the public authentication server 400, and transmits the public authentication server 400 And transmits the authorized authentication completion information and the card information received from the user terminal 100 to the payment server 500.

The settlement processing unit 230 performs settlement processing by transmitting / receiving a signal concerning the settlement processing including the card information and the authorized authentication completion information to / from the settlement server 500. [

Thereafter, the payment processing unit 230 transmits a settlement processing completion push message to the user terminal 100, and at the same time, transmits the card approval information to the merchant server 300.

The merchant server 300 is an apparatus in which an API or an application (App) capable of transmitting a payment request signal to a purchase target to the operation server 200 is installed and operated. The merchant server 300 receives a user terminal number from the user terminal 100, Generates a settlement request signal for the object, and transmits the generated settlement request signal and the received user terminal number to the operation server 200.

As described above, the merchant server 300 can receive the user terminal number in the merchant payment request window through the other terminal connected to the user terminal 100 or the merchant server 300 when the merchant server 300 is online, The user terminal number can be inputted through the NFC or Peer to Peer (P2P) method with the merchant payment terminal.

The authorized authentication server 400 receives authorization confirmation information of a user such as a PIN number, a dynamic signature, fingerprint identification information, and the like from the operation server 200 to perform authorized authentication.

The payment company server 500 is a server such as a credit card company or a bank company, and performs settlement processing by transmitting and receiving a signal regarding settlement processing with the operation server 200. [

Meanwhile, the user terminal 100 according to the present invention can receive a public certificate from an existing repository and store the public certificate in the smart card 10 through NFC communication. It goes without saying that the newly issued authorized certificate can be stored in the smart card 10 through NFC communication. Then, the user terminal 100 can receive and use a public certificate from an existing repository via SMS communication or store it in a USIM. Also, the user terminal 100 may receive the newly issued authorized certificate through the SMS communication or use it, or may store it in the USIM.

Hereinafter, a payment method using NFC communication with a smart card using the above system will be described with reference to FIG.

4, the information management unit 120 of the user terminal 100 receives the merchant server 300 through the on / off line, as shown in FIG. 4, according to an embodiment of the present invention. (S10). The merchant server 300 generates a payment request signal for the purchase target (S20), and transmits the generated payment request signal and the user terminal number received in operation S10 to the operating server (S30).

The message generator 210 of the operation server 200 generates a push message for requesting card information and public authentication at step S40 and transmits the push message to the corresponding user terminal 100 at step S50.

Next, the NFC unit 110 of the user terminal 100 displays a smart card proximity request signal for NFC communication when the card information and the push message requesting the public authentication are received from the operation server 200 (S60) And communicates with the smart card 10 through NFC communication to receive card information and authorized certificate information from the smart card 10 (S70).

The information management unit 120 reads out the received card information and the authorized certificate information to generate an input window (S80), and obtains the authentication confirmation information of the user such as the authorized authentication PIN number for the authorized authentication, the dynamic signature, And transmits the card information received through the NFC unit 110 to the operation server 200 (S100).

Subsequently, the certificate verification unit 220 of the operation server 200 verifies the authentication information of the user received from the user terminal 100 through the public authentication server 400 (S110), and transmits the public authentication server 400 (Step S120). When the authorized authentication is completed, the authorized authentication completion information and the card information received from the user terminal 100 are transmitted to the payment server 500 (S120).

The settlement processing unit 230 performs settlement processing by transmitting and receiving a signal related to the settlement processing including the card information and the authorized authentication completion information to and from the settlement server 500 (S130). Thereafter, the payment processing unit 230 transmits a settlement processing completion push message corresponding to the settlement processing to the user terminal 100, and simultaneously transmits the card approval information to the merchant server 300 (S140).

As described above, when the received card information and the authorized certificate information are stored in the USIM and the push information requesting card authentication and authentication is re-received from the operation server 200, The controller 120 may immediately proceed to step S80 using the card information previously stored in the USIM and the authorized certificate information. That is, since the card information and the authorized certificate information are stored in the USIM through the first NFC communication, the card information and the authorized certificate information are used when the card information and the push message requesting the authentication authentication are received again at a later time.

Meanwhile, as a storage medium according to the present invention, a smart card, a SIM supporting NFC communication, a secure element (SE) of a USIM, and a trusted execution environment (TEE) embedded in a user terminal may be used.

Hereinafter, when issuing a public certificate directly to a smart card, a method of setting the expiration date of the authorized certificate and the expiration date of the smart card will be described.

When the authorized certificate is directly issued to the smart card 10, the user terminal 100 reads the card expiration date from the smart card 10 by communicating with the smart card 10 through the NFC communication, At the time of communication with the authentication server 400, the same date as the read out smart card expiration date is transmitted as the expiration date of the authorized certificate. Accordingly, the expiration date of the authorized certificate and the expiration date of the card can be set the same.

However, even if the expiration date of the authorized certificate is made equal to the expiration date of the smart card 10, the private key is securely generated and stored through OBKG (Onboard Key Generation) There is a safe effect. At this time, it is generally assumed that the validity period of the card is five years.

While the present invention has been particularly shown and described with reference to preferred embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. It will be appreciated by those skilled in the art that numerous changes and modifications may be made without departing from the invention. Accordingly, all such appropriate modifications and changes, and equivalents thereof, should be regarded as within the scope of the present invention.

100: user terminal 200: operating server
300: Merchant server 400: Authorized authentication server
500: payment server 110: NFC department
120: information management unit 210: message generation unit
220: certificate verification unit 230:
10: Smart card

Claims (13)

And communicates with the smart card through NFC communication to transmit the card information
And a user terminal for receiving the authorized certificate information and transmitting the card information and authentication confirmation information of the user for authorized authentication to the operation server to perform settlement;
An operation server for requesting card information and authorized authentication to the user terminal according to a payment request signal received from the merchant server and for confirming the authorized authentication based on the received information and performing payment processing; And
A merchant server for receiving a user terminal number from the user terminal, generating a payment request signal for the purchase target, and transmitting the generated payment request signal and the received user terminal number to the operation server; / RTI >
The user terminal communicating with the smart card through NFC communication to receive card information and authorized certificate information from the smart card; And a user terminal number to the merchant server, generates an input window for reading the received card information and authorized certificate information, receives authentication confirmation information of the user for authentication, transmits the user confirmation information to the operation server, An information management unit for transmitting the received card information to an operation server; / RTI >
The user terminal performs a financial transaction using only the authorized certificate information stored in the USIM without receiving the card information and the authorized certificate information from the smart card when an online financial transaction request is issued, And transmits the same date as the read out smart card expiration date as the expiration date of the authorized certificate.
delete The method according to claim 1,
The NFC unit includes:
And a smart card proximity request signal for NFC communication is displayed when the card information and the push message requesting the public authentication are received from the operation server.
delete The method according to claim 1,
The authentication confirmation information of the user includes:
Wherein the authentication information includes at least one of an authorized authentication PIN number, a dynamic signature, and fingerprint identification information.
The method according to claim 1,
The operating server,
A message generator for transmitting the card information and the push message requesting public authentication to the corresponding user terminal when the payment request signal is received from the merchant server;
And transmits the authentication information and the card information received from the user terminal to the payment server when the authentication of the user is completed through the public authentication server A certificate verification unit; And
A settlement processing unit for performing a settlement process by transmitting and receiving a signal relating to settlement processing including the card information and authorized authentication completion information to and from a payment company server; And a payment system using NFC communication with a smart card.
The method according to claim 1,
The merchant server,
The mobile terminal receives the user terminal number through the terminal connected to the user terminal or the merchant server when the mobile terminal is on-line, and receives the user terminal number through the NFC or P2P method with the merchant payment terminal when the mobile terminal is offline. Payment system using NFC communication with smart card.
(a) the operation server receiving a payment request signal and a user terminal number for a purchase target;
(b) generating a push message for requesting card information and authorized authentication by the operating server and transmitting the generated push message to the corresponding user terminal;
(c) receiving the card information and the authorized certificate information from the smart card by communicating with the smart card through the NFC communication;
(d) receiving the received card information and authorized certificate information from the user terminal;
(e) the user terminal generates an input window for reading the received card information and authorized certificate information, receives authentication confirmation information of the user for public authentication, and transmits the authentication confirmation information to the operation server, Transmitting the card information to the operation server;
(f) verifying authentication confirmation information of a user by the operation server through the public authentication server, and transmitting the public authentication completion information and the card information to the payment server when the public authentication is completed; And
(g) performing a payment process by the operating server transmitting and receiving a signal relating to settlement processing including card information and authorized authentication completion information to and from a payment company server; / RTI >
After step (g), (i) the user terminal determines whether or not the card information and the authorized certificate information are stored in the USIM, and the user terminal re-receives the card information and the push message requesting public authentication ; And (j) if the card information and the authorized certificate information are stored in the USIM as a result of the determination in the step (i), and the push message requesting the card information and the public authentication is received again, The process of implementing procedures; / RTI >
Wherein the step (e) comprises the steps of: the user terminal communicating with the smart card through the NFC communication to read the card expiration date from the smart card; And transmitting, when the user terminal communicates with the authorized authentication server for issuing the authorized certificate, the same date as the read out smart card expiration date as the authorized certificate expiration date. Payment method used.
9. The method of claim 8,
In the step (a)
(a-1) transmitting the user terminal number to the merchant server by the user terminal;
(a-2) the merchant server generating a payment request signal for a purchase target; And
(a-3) transmitting the payment request signal generated by the merchant server and the user terminal number received in the step (a-1) to the operation server; And a payment method using an NFC communication with a smart card.
9. The method of claim 8,
After the step (b)
(b-1) displaying a smart card proximity request signal for NFC communication when the user terminal receives a card information and a push message requesting public authentication from the operation server; And a payment method using an NFC communication with a smart card.
9. The method of claim 8,
After the step (g)
(h) transmitting, by the operation server, a payment completion completion push message according to the payment processing to the user terminal, and simultaneously transmitting the card approval information to the merchant server; And a payment method using an NFC communication with a smart card.
delete delete
KR1020150049040A 2015-04-07 2015-04-07 System and method for payment using smart card and nfc communications KR101669012B1 (en)

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Publication number Priority date Publication date Assignee Title
KR101445137B1 (en) * 2013-06-27 2014-10-06 유비벨록스(주) Method for providing smart card sevice information based near field communication

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KR20110029038A (en) * 2009-09-14 2011-03-22 사단법인 금융결제원 System and method for managing public certificate of attestation and recording medium
KR20120112927A (en) * 2011-04-04 2012-10-12 주식회사 티모넷 System for paying credit card using nfc mobile phone and method therefor
KR101486513B1 (en) 2012-11-23 2015-01-26 주식회사 신세계 System and method for food court service

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Publication number Priority date Publication date Assignee Title
KR101445137B1 (en) * 2013-06-27 2014-10-06 유비벨록스(주) Method for providing smart card sevice information based near field communication

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