KR20140038699A - Method and system for payment that used a radio communication terminal that a smart card was loaded - Google Patents

Method and system for payment that used a radio communication terminal that a smart card was loaded Download PDF

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Publication number
KR20140038699A
KR20140038699A KR1020120105113A KR20120105113A KR20140038699A KR 20140038699 A KR20140038699 A KR 20140038699A KR 1020120105113 A KR1020120105113 A KR 1020120105113A KR 20120105113 A KR20120105113 A KR 20120105113A KR 20140038699 A KR20140038699 A KR 20140038699A
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KR
South Korea
Prior art keywords
payment
information
wireless communication
communication terminal
processing
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KR1020120105113A
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Korean (ko)
Inventor
김옥곤
민주홍
이용희
김정우
송호근
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주식회사 우리은행
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Priority to KR1020120105113A priority Critical patent/KR20140038699A/en
Publication of KR20140038699A publication Critical patent/KR20140038699A/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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/351—Virtual cards
    • 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

Abstract

The present invention relates to a system and method for payment using a wireless communication terminal with a built-in smart card, the system comprising: the wireless communication terminal including a smart card that is mounted on the wireless communication terminal together with a terminal module performing wireless communication by being linked to a communication network of a communication service provider, a payment program storage unit that performs payment processing such that payment for goods can be possible both online and offline on a network, and a control unit that collectively provides payment information according as a payment program is executed and updates and controls information replied in response to the payment information; a data communication terminal which receives the payment processing information and transmits the received information to the smart card; a payment processing unit which displays payment condition information by the information received by the data communication terminal, and provides the payment processing information by performing payment processing; and a payment server which replies with payment approval information in response to an approval request for the payment processing by the payment processing unit. [Reference numerals] (110) Smart card; (140) POS system; (160) Payment service server

Description

Method and System for payment that used a radio communication terminal that a smart card was loaded}

The present invention relates to a payment system and a method using a wireless communication terminal with a smart card, comprising: a smart card mounted on a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a telecommunication company; A payment program that performs payment processing to enable payment of goods on-line, and provides payment information collectively as the payment program is executed, and updates and controls the information returned in response to the payment information to collectively It is configured to be able to process payments for goods.

In general commerce, including electronic commerce, credit cards that are easier to use and carry than cash are widely used as payment and payment methods.

However, since the credit card is released for each card company and the range and service are different depending on the type of the card, the user has to select a suitable card according to need, so that it is inconvenient to have a large number of cards at all times .

In addition, credit cards are often not recognized immediately when a user loses the card can be said to have a high risk of fraudulent use.

Therefore, it is very difficult for the user to maintain and manage the cards. Therefore, integrated systems that can process credit transactions for various payment environments by integrating these multiple cards and payment methods into a single payment method worldwide I'm researching.

The relevant industry is competitively releasing multi-use cards with integrated IC chips so that all payment methods can be embedded in one card. However, due to lack of standardization and mutual compatibility or usefulness by the issuer, It is true that the response is not good.

In addition, a new mobile phone payment method using infrared wireless transmission is also a problem that the existing mobile phone terminal holders cannot use, and additional cost to purchase a new terminal is consumed.

In order to solve the above-mentioned problems, the present invention uses a mobile phone terminal, which is now universal, as a unique recognition means for an individual, and the owner of this terminal uses a necessary authentication and payment method to a server or a personal portable terminal of a service provider. By storing and checking the information if necessary and applying it to the same payment system as various payment methods in the market, it is possible to construct and use a payment system without adding or changing new functions to existing mobile terminals, as well as to dramatically increase user convenience. The purpose is to provide a payment method using the sound that can be made.

The present invention relates to a payment system and method using a wireless communication terminal in which a smart card is embedded. In a smart card mounted on a wireless communication terminal, a payment process is performed to enable payment of goods on and off-line on a network. And a payment program storage unit, and a control unit for providing payment information collectively as the payment program is executed and updating and controlling information returned in response to the payment information.

In addition, the smart cart is mounted on a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a communication company, the payment program storage unit credit card information, debit card information, prepaid card information and electronic products available for purchase A program for processing basic payment settlement using basic information, and additional payment settlement processing using membership card information, reward card information, discount coupon information, and free coupon information is stored. Comprehensively providing the integrated payment information for the processing and the additional payment settlement process, updating the information among the basic information or the additional information according to the integrated payment processing information returned in response to the integrated payment information, and the smart card , Subscribers required for roaming user authentication and billing It further comprises a subscriber identification module USIM (Universal SIM) for storing information.

A smart card mounted in a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a telecommunication company, and a payment program storage unit for performing payment processing to enable payment of goods online and offline on a network; It is characterized in that it comprises a control unit for providing the payment information collectively as the payment program is executed, and updating and controlling the information returned in response to the payment information.

In addition, the payment program storage unit, the basic payment payment processing and membership card information, loyalty card information, discount coupon information and free coupons using the basic information of the credit card information, debit card information, prepaid card information and electronic money information available for purchase A program for performing an additional payment settlement process using the additional information of the information is stored, and the controller collectively provides integrated payment information for the basic payment settlement process and the additional payment settlement process, and responds to the integrated payment information. The information is updated among the basic information or the additional information according to the integrated payment processing information.

A smart card mounted in a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a telecommunication company, a payment program storage unit for performing payment processing to enable payment of goods online and offline on a network; As the payment program is executed, a wireless communication terminal including a control unit for providing payment information collectively and updating and controlling information returned in response to the payment information, and receiving the payment processing information to the smart card. A payment processing unit for displaying the payment condition information according to the data communication terminal to be transmitted, the information received by the data communication terminal, performing payment processing, and providing the payment processing information; and approval of payment processing by the payment processing unit. Payment form returning payment authorization information on request ; It comprises the features.

In addition, the payment processing unit is characterized in that for transmitting the authorization and impossibility message of the payment approval to the user terminal.

A payment method using a payment system using a wireless communication terminal, comprising: selecting an item purchase by a user's selection, and a smart card mounted in the wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a telecommunication company; Use basic payment payment processing and membership card information, loyalty card information, discount coupon information, and free coupon information using basic information among credit card information, debit card information, prepaid card information and electronic money information which can purchase goods from Receiving information, and collectively providing integrated payment information for payment payment processing and additional payment payment processing according to the purchase of goods, and inputting information corresponding to the integrated payment information; For payment processing and the additional payment payment processing according to the payment information Providing a sum billing information as a whole, and is characterized in that according to the integrated billing management information that is returned in response to the integrated billing information comprises the step of updating the information in the basic information or the additional information.

In addition, the step of receiving the information further comprises the step of transmitting the payment approval information to the smart card from the payment server for returning the payment approval information by the request for approval of payment processing by the payment processing unit, updating the information The step may further comprise the step of transmitting the message of the authorization and improper result of the payment approval by the payment processing unit to the terminal of the user.

As described above, the present invention does not require a customer to carry multiple credit cards by using a mobile phone that has been widely distributed over billions of the world without adding new functions or changing devices of the existing mobile phone. The mileage and electronic money that has been available has the effect of extensibility for easy use even offline.

In addition, the present invention can reduce the economic loss in many ways, such as the wireless payment system that has been developed or developed and introduced before the world standardized first, and there is no compatibility problem caused by using different card systems. It is expected to be.

In addition, the present invention has the effect of building a simple and secure transaction system because the credit information of the individual is embedded in the smart card and the subscriber identification module of the server or portable terminal of the service provider.

In addition, the present invention is able to perform a credit transaction without passing the credit card, there is an effect that can fundamentally prevent theft of credit information.

1 is a diagram showing the configuration of a wireless payment service system according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a smart card according to an embodiment of the present invention.
3 is a flowchart illustrating a wireless payment method by a wireless payment system according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description.

It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator.

Therefore, the definition should be based on the contents throughout the present invention. It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following embodiments will be used to properly modify the terms so that those of ordinary skill in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

1 is a diagram showing the configuration of a wireless payment service system according to an embodiment of the present invention.

As shown in FIG. 1, the wireless payment system includes a mobile communication terminal (User Equipment, UE) 100 equipped with a terminal module (Mobile Equipment, ME) 120 and a smart card 110, and a data communication terminal ( 130), a point of sale (POS) system 140, a value added network (VAN) 150, a payment service server 160, and the like.

The wireless communication may include at least one wireless terminal connected to a wireless network (for example, a code division multiple access (CDMA) based mobile communication network, an IEEE 802.16x based mobile Internet, or a datatac / mobitex based wireless data communication network). Through a personal communication system (PCS) or a global system for mobile (GSM) terminal or a personal digital assistant (PDA) or a smart phone (Telematics, etc.) equipped with a connection and browsing function to the mobile communication network Provide non-face-to-face financial transaction services to at least one financial transaction customer.

The wireless communication terminal 100 is a terminal having an external memory slot for fastening the smart card 120, and all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16. All communication devices connected to the x-based portable Internet and / or all devices connected to Motorola's DataTAC and / or Erricson's Mobitex-based wireless data communication network, which are personal communication terminals connected to a CDMA-based mobile communication network. System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a mobile person connected to a smart phone and / or telematics, or IEEE 802.16x based mobile Internet The net terminal, or a DataTAC / Mobitex based wireless data communication terminal connected to a wireless data network, such as may be formed including at least one

In addition, the smart card 110 mounted in the wireless communication terminal 100 is configured to further include a subscriber identification module USIM (Universal SIM) for storing subscriber information necessary for authentication and payment roaming of the user.

2 is a diagram illustrating a detailed configuration of a smart card according to an embodiment of the present invention.

Referring to FIG. 2, when the configuration of the smart card 110 mounted in the wireless communication terminal 100 is confirmed, a payment program storage unit 111 performs a payment process so that payment of goods can be performed online and offline on a network. The program storage unit has a variety of basic payment processing, membership card information, loyalty card information, discount coupon information, free coupons using basic information such as credit card information, debit card information, prepaid card information, electronic money information, etc. Various additional payment settlement processing using additional information such as information is performed.

By executing the program stored in the payment program storage unit 111, the integrated payment information for the basic payment payment processing and the additional payment payment processing is collectively provided to the POS system 140, and the payment is executed as the payment program is executed. Provides information collectively, and the payment control unit for updating and controlling the information returned in response to the payment information, the basic information and / according to the integrated payment processing information returned by the POS system 140 in response to the integrated payment information; Or update additional information and include subscriber identification module 110a.

That is, the payment control unit 112 collectively provides the integrated payment information for the basic payment settlement processing and the additional payment settlement processing, and according to the integrated payment processing information returned in response to the integrated payment information, the basic information or the It is configured to update the information among the additional information.

The data communication terminal 130 is connected to the smart card 110 mounted in the wireless communication terminal 100 through a non-contact wireless communication, from the smart card 110 to payment information and authentication and payment roaming of the user. Receive identification information of a subscriber identification module USIM (Universal SIM) that stores necessary subscriber information.

Afterwards, when the identification information and subscriber information are transmitted to the POS system 140, a barcode containing distribution information is recognized at the point of sale of the goods or services in an offline store by using a automatic reading device to analyze and utilize the distribution information. Receive the integrated payment processing information corresponding to the integrated payment information from the POS system 140 made to be delivered to the smart card 110.

The POS system 140 as described above obtains relevant information according to the purchase of goods and services through the automatic reading device, and the smart card 110 mounted on the wireless communication terminal 100 through the data communication terminal 130. Integrated payment information is received from the user to display payment payment processing and payment condition information corresponding to the purchase on the screen.

When the selection information on the payment condition information is input through a screen input device or the like, basic payment payment processing and / or additional payment payment processing is performed according to the input payment condition selection information to provide the integrated payment processing information to the smart card 110. Send it.

The VAN 150 is a type of communication network providing a communication environment between the POS system 140 and the payment service server 160, and the payment service server 160 communicates with the POS system 140 through the VAN 150. In accordance with the request for approval of the basic payment settlement processing using basic information such as credit card information, debit card information, prepaid card information, electronic money information, and the like, the payment approval information for the basic payment settlement processing is provided.

In addition, the payment approval information for the additional payment settlement process is provided through an approval process in accordance with an approval request for the additional payment settlement process using additional information such as point card information, membership card information, discount coupon information, and free coupon information.

The payment service server 160 may include a credit card server that supports credit card authorization and a debit card server that supports debit card authorization, as well as prepaid card authorization, membership card authorization, and point card authorization. Each server that supports processing and approval processing of discount coupons or free coupons can be implemented.

3 is a flowchart illustrating a wireless payment method by a wireless payment system according to an embodiment of the present invention.

When the user of the wireless communication terminal 100 requests the purchase of goods, the POS is made to recognize and use the distribution information by using the automatic reading device at the point of sale of the goods or services in the offline store to recognize the barcode containing the distribution information. The system 140 acquires information on the purchase request item by recognizing a barcode including distribution information of the purchase request goods or services (301).

When the user of the wireless communication terminal 100 selects a payment item using the smart card 110 mounted on the wireless communication terminal 100 (303), the wireless communication terminal 100 is connected to the data communication terminal 130. The wireless communication terminal is located in close proximity to enable wireless communication.

As described above, if the wireless communication terminal 100 is located within a short range to enable wireless communication with the data communication terminal 130, wireless communication is performed between the smart card 110 and the data communication terminal 130 ( 305, integrated payment information is transmitted from the smart card 110 to the POS system 300 via the data communication terminal 200 (307).

During the above process, the smart card 110 mounted in the wireless communication terminal 100 is supplied with a driving power from a subscriber identification module that stores subscriber information necessary for authentication and payment roaming of the user. The payment control unit 123 operates, executes the payment specification applet 110c and the integrated payment applet 110b of the payment program storage unit 111, and each card information stored by the payment specification applet 110c is integrated. It is included in the payment information and delivered in a batch.

Analyzing distribution information by recognizing a barcode including distribution information by using the automatic reading device POS system 140 acquires information on a purchase request item by recognizing a barcode including the distribution information. Basic payment settlement processing based on the integrated payment information obtained in the step of transferring the information of the purchased goods and the integrated payment information from the smart card 110 to the POS system 140 via the data communication terminal 130 and Generate integrated payment condition information for additional payment payment processing.

When the integrated payment condition information is generated as described above, it is displayed on the screen of the wireless communication terminal (309). In this state, the POS system 140 waits for input of selection information on the integrated payment condition information, and the POS system ( The operator of step 140 inputs the integrated payment selection information to reflect payment intention by the user of the mobile communication terminal 100 (311). For example, when a user wishes to make an electronic money payment, a membership discount, and accumulate points, a corresponding condition may be selected and input.

As described above, when the integrated payment selection information is input, the POS system 140 performs the basic payment payment processing and the additional payment payment processing according to the integrated payment selection information input, and the integrated payment processing generated according to the payment payment processing. The information is provided to the smart card 110 (329).

Here, the POS system 140 waits for the integrated payment processing (319) when the payment payment processing itself is possible without a separate external approval process such as electronic money payment, and then performs the goods payment processing by the wireless communication terminal 100. When the identification information of the smart card 110 mounted on the wireless communication terminal 100 is transmitted (323) and transmitted (325) according to the selection (321), the integrated payment approval is completed (327), together with the integrated payment processing information. Send it.

When the integrated payment processing information is transmitted, the integrated payment processing information is transmitted to the smart card 110 mounted in the wireless communication terminal 100, and the payment control unit 112 executes the payment standard applet 110c. The electronic money information is updated (333).

In addition, when the payment of the goods is possible through the approval of the card company such as the credit card payment of the card company (311), the payment service server through the VAN 150, which is a communication network providing a communication environment with the payment service server 500. Request 313 the approval of the basic payment settlement process or the additional payment settlement process.

Thereafter, the payment approval information may be returned from the payment service server 160 (315) and the integrated payment processing information may be transmitted, and the payment service server 160 which has returned the payment approval information through the payment approval reply may return the payment approval information. Save it separately so you can claim or figure out your use later (317),

After the completion of the integrated payment approval 327, the POS system 140 outputs the integrated payment evidence including the integrated payment processing information to terminate the series of processes.

100: wireless communication terminal 110: smart card
120: terminal module 111: payment program storage unit
112: payment control unit 130: data communication terminal
140: POS system 160: payment service server

Claims (13)

In the smart card mounted in the wireless communication terminal,
A payment program storage unit configured to perform payment processing to enable payment of goods on and off-line in a network; And
And a payment control unit for collectively providing payment information as the payment program is executed and updating and controlling information returned in response to the payment information. The smart card according to claim 1, wherein the smart cart is mounted on a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a communication company. The payment program storage unit of claim 1, wherein the payment program storage unit purchases basic payment information, membership card information, point card information, discount coupon using basic information among credit card information, debit card information, prepaid card information, and electronic money information. Smart card, characterized in that the program for performing the additional payment payment processing using the additional information of the information and free coupon information is stored. The method of claim 1, wherein the payment control unit collectively provides the integrated payment information for the basic payment settlement processing and the additional payment settlement processing, the basic information or according to the integrated payment processing information returned in response to the integrated payment information; Smart card, characterized in that for updating the information from the additional information. The smart card according to claim 1 or 2, wherein the smart card further comprises a subscriber identification module (USIM) for storing subscriber information necessary for roaming authentication and payment of a user. A smart card mounted in a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a communication company;
A payment program storage unit configured to perform payment processing to enable payment of goods on and off-line in a network; And
And a controller for collectively providing payment information as the payment program is executed and updating and controlling information returned in response to the payment information.  The payment program storage unit of claim 6, wherein the payment program storage unit provides basic payment payment processing, membership card information, point card information, discount coupon using basic information among credit card information, debit card information, prepaid card information, and electronic money information that can be purchased. And a program for performing an additional payment settlement process using the additional information of the information and the free coupon information. The method of claim 6, wherein the controller collectively provides the integrated payment information for the basic payment settlement processing and the additional payment settlement processing, and according to the integrated payment processing information returned in response to the integrated payment information; The wireless communication terminal, characterized in that for updating the information from the additional information. A smart card mounted in a wireless communication terminal together with a terminal module for performing wireless communication in connection with a communication network of a telecommunication company, a payment program storage unit for performing payment processing to enable payment of goods online and offline on a network; A wireless communication terminal including a controller for collectively providing payment information as the payment program is executed and updating and controlling information returned in response to the payment information;
A data communication terminal receiving the payment processing information and transmitting the received payment information to the smart card;
A payment processing unit which displays payment condition information according to the information received by the data communication terminal and performs payment processing to provide the payment processing information; And
And a payment server for returning payment approval information in response to an approval request for payment processing by the payment processing unit. The payment system of claim 9, wherein the payment processing unit transmits an authorization and a disapproval message of the payment approval to the user's terminal. In the payment method by a payment system using a wireless communication terminal,
Selecting an item purchase by a user's selection;
Basic payment using basic information among credit card information, debit card information, prepaid card information and electronic money information that can purchase goods from smart card mounted in wireless communication terminal together with terminal module that performs wireless communication in connection with communication network of telecommunication company Receiving information using additional information of payment processing, membership card information, point card information, discount coupon information, and free coupon information;
Collectively providing integrated payment information for payment payment processing and additional payment payment processing according to the purchase of goods, and inputting information corresponding to the integrated payment information; And
Comprehensively providing integrated payment information for payment payment processing and additional payment payment processing according to the input payment information, and among the basic information or the additional information according to the integrated payment processing information returned in response to the integrated payment information. Updating information; Payment method using a wireless communication terminal comprising a. The method of claim 11, wherein the receiving of the information further comprises: transmitting the payment approval information to the smart card from a payment server that returns the payment approval information by the request for approval of the payment processing by the payment processing unit. Payment method using a wireless communication terminal, characterized in that. The payment method of claim 11, wherein the updating of the information further comprises: transmitting, by the payment processing unit, a message indicating the authorization and the impossible result of the payment approval to the terminal of the user. .
KR1020120105113A 2012-09-21 2012-09-21 Method and system for payment that used a radio communication terminal that a smart card was loaded KR20140038699A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019031761A1 (en) * 2017-08-09 2019-02-14 주식회사 센스톤 Screen output method and program for virtual code generated from payment card, and payment card for generating virtual code

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019031761A1 (en) * 2017-08-09 2019-02-14 주식회사 센스톤 Screen output method and program for virtual code generated from payment card, and payment card for generating virtual code

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