KR20200030310A - Mobile direct approval payment system and method - Google Patents

Abstract

The present invention relates to a mobile direct approval payment system and a method thereof. According to the present invention, the mobile direct approval payment system comprises: a payment terminal which receives, from a person related to a member store, payment information for a product purchased by a user or a received service, requests payment from the user, and confirms the payment by receiving an approval result from the user; a mobile terminal which has an application installed thereon to execute a mobile application card, requests the payment by transmitting the payment information and payment terminal information to a card company through a wired/wireless network according to the payment request from the payment terminal, receives the payment approval result from the card company, and transmits the same to the payment terminal; a payment AP system which receives the payment information and the payment terminal information from the mobile terminal, requests payment approval by transmitting the payment information to an approval part, receives the approval result from the approval part, and responds to the mobile terminal; and an approval system which verifies the validity and ARQC of a credit card (mobile application card) based on the payment information from the payment AP system and then, sends the approval result to the payment AP system. Therefore, the mobile direct approval payment system and method can prevent a wrongful use of the payment terminal by using the mobile application card.

Description

Mobile direct approval payment system and method}

The present invention relates to a mobile direct approval payment system and method, and more specifically, by excluding a payment agency, it is possible to reduce the commission burden of the merchant, and personal information leakage by not storing and managing the user's card information at the merchant. It relates to a mobile direct payment system and method that can be prevented.

Information and communication (IT) services, which started with computers and the web, are developing at a faster pace thanks to the generalization of mobile terminals called smart phones, and the electronic payment business is also developing accordingly. Recently, in addition to the existing open markets and online shopping malls, social commerce has also appeared, and the market is gradually evolving and the boundary between online and offline is disappearing.

Among the electronic payment business, the offline payment method mainly uses a credit card that is easier to use and carry than cash. That is, the credit card is recognized through the magnetic reader of the credit card inquiry machine, and the recognized credit card information is transmitted to the VAN system and the card company to request payment approval.

Recently, a mobile credit card payment using a mobile terminal has also been operated. The mobile credit card payment as described above uses RF or infrared rays to transmit the credit card information stored in the mobile terminal to the merchant's wireless payment terminal (eg, “dongle”), so that the payment is made using the existing magnetic reader. There is a difference from the method, and the other payment process is the same as the payment method using a magnetic reader.

1 is a view showing a payment process by a payment system through a conventional payment agency.

Referring to Figure 1, the payment method by the payment system 100 through a conventional payment agency, first, the payment information for the goods purchased by the user or the service provided by the affiliated merchant (store or employee) payment terminal Entering in (110), the request from the payment terminal 110 to the credit card 120 of the user's side or the mobile terminal's app card (mobile credit card) 130 requests ARQC (Authorization Request Cryptogram). Then, the credit card 120 generates an ARQC by encrypting payment information with a key of the IC card and responds to the payment terminal 110. In addition, the app card 130 responds to the payment terminal 110 by generating an ARQC based on payment information including encrypted credit card information.

Accordingly, the payment terminal 110 transmits the payment information including the encrypted credit card information and ARQC to the payment agency (VAN company) 140 to request payment. Then, the payment agency 140 sends payment information to the credit card company's approval system 150 through a dedicated line to request payment approval. Accordingly, the credit card company (authorization system 150) verifies the validity of the credit card and the ARQC value, and when the verification is completed, the approval result is returned to the payment agency 140. Then, the payment agency 140 responds to the payment result from the credit card company (approval system 150) to the payment terminal 110, and the payment terminal 110 prints a receipt for the approval response and delivers it to the user.

As described above, the payment method by the payment system 100 through the conventional payment agency has a risk of leakage of personal information as the credit card information of the user is stored and managed by the merchant operating the payment terminal 110, and the payment agency As the payment is made through the company 140, there is a problem in that the fee burden is high in the merchants operating the payment terminal 110.

On the other hand, Korean Registered Patent Publication No. 10-1562034 (Patent Document 1) discloses a "mobile payment processing system and method thereof". Accordingly, a mobile payment processing method, at least one agent to be used for payment from a user terminal Receiving first payment account information and second payment account information to be paid from the seller terminal and registering first and second payment account information of the user terminal and the seller terminal, respectively; Issue the user authentication key for the first payment account information to register the payment password corresponding to the user authentication key, and issue the seller authentication key for the second payment account information to issue the first payment account information and the second Further registering each of the payment account information of the; When payment is requested from the user terminal, receiving a payment password corresponding to the first payment account information requested for payment, and first verifying the user terminal using a user authentication key; If the primary verification of the user terminal is determined to be normal, requesting payment approval from the payment approval server; When payment is approved from the payment approval server, in order to determine whether the final purchase decision has been made from the user terminal, the user terminal 2 is input using the user authentication key after receiving the payment password corresponding to the payment approved first payment account information. Primary verifying; If the second verification of the user terminal is determined to be normal, it characterized in that it comprises the step of requesting a transfer to the payment approval server to deposit the approved payment amount into the second payment account information.

In the case of patent document 1 as described above, by issuing a user authentication key and a seller authentication key in response to payment account information registered by the user and the seller, respectively, by registering the payment password in the user authentication key, the user pays for the product purchase I don't know if there is an advantage that the user can verify the payment by inputting the payment password during the user's first verification for approval of the amount and the second verification process for sending the approved payment amount to the seller, but the control unit, communication unit, and mobile payment application , A separate mobile payment processing system including a database must be built, and accordingly, there is a problem incurred by the cost of the system construction. In addition, the user has to go through the process of registering payment account information (bank account number, credit card number, etc.) for payment when purchasing a product using his terminal (user terminal). It implies the problem of personal information leakage.

Korean Registered Patent Publication No. 10-1562034 (announced on October 22, 2015)

The present invention has been created in consideration of the problems of the prior art as described above, and by excluding a payment agency, it is possible to reduce the burden on commissions of merchants, and to prevent fraudulent use of the payment terminal by using a mobile app card, the user The object of the present invention is to provide a mobile payment system and method for preventing personal information leakage by not storing and managing card information in a merchant.

In addition, another object of the present invention is to use the 3G, 4G or Wi-Fi (WiFi) Internet network to quickly process payment, without the need to build a separate additional infrastructure can utilize the existing card company system as it is, receipt It is to provide a mobile direct payment system and method that can replace processing with mobile rather than paper.

In order to achieve the above object, the mobile direct payment system according to the present invention,

It is installed in a merchant that can pay with a card, and receives payment information for the goods purchased by the user or a service provided by the user by the affiliated person of the merchant, requests payment from the user, and receives the approval result from the user to check the payment terminal;

It is carried by a user, an application that can execute a mobile app card is mounted, and the payment information and payment terminal information are transmitted to the card company through a wired / wireless network according to a payment request from the payment terminal to make payment. A mobile terminal for requesting and receiving a payment approval result from the card company and transmitting it to the payment terminal;

It is installed in the card company, receives payment information from the mobile terminal and payment terminal information, and requests payment approval by sending the payment information to the approval part according to the payment request from the mobile terminal, and the approval result from the approval part Payment AP (Application Processor) system for receiving and responding to the mobile terminal; And

It is installed in the card company and verified the validity of a credit card (mobile app card) and Authorization Request Cryptogram (ARQC) based on payment information from the payment AP system according to the payment approval request from the payment AP system. Then, it has a feature in that it includes an approval system that responds to the payment result to the payment AP system.

Here, the payment information transmitted from the mobile terminal to the card company side may include encrypted credit card information.

In addition, when the mobile terminal transmits the payment information and the payment terminal information to the card company, it may be transmitted through a public network (WEB) encryption channel.

In addition, when the payment AP system receives the approval result from the approval part and responds to the mobile terminal, the mobile receipt and the approval result may be encrypted to respond to the mobile terminal.

In addition, the mobile terminal may include a smart phone, a PDA (Personal Digital Assistant), a tablet PC, a notebook PC, and the like.

In addition, to achieve the above object, the mobile direct payment method according to the present invention is a mobile direct payment method based on a mobile direct payment system including a payment terminal, a mobile terminal, a payment AP system, and an approval system. ,

a) receiving payment information for a product purchased by the user or a service provided by the user by the payment terminal by an affiliated merchant in which the payment terminal is installed and requesting payment by the user's mobile terminal;

b) requesting payment by transmitting the payment information and payment terminal information to the payment AP system of a credit card company through a wired / wireless network according to a payment request from the payment terminal by the mobile terminal;

c) receiving payment information and payment terminal information from the mobile terminal by the payment AP system, and transmitting payment information to the authorization system of the credit card company according to a payment request from the mobile terminal to request payment approval ;

d) validity of the credit card (mobile app card) and ARQC (Authorization Request Cryptogram) based on the payment information from the payment AP system according to the payment approval request from the payment AP system by the approval system. After verifying, responding the approval result to the payment AP system;

e) receiving an approval result from the approval system by the payment AP system and responding to the mobile terminal;

f) receiving a payment approval result from the payment AP system by the mobile terminal and transmitting it to the payment terminal; And

g) The method includes receiving an approval result from the mobile terminal by the payment terminal and confirming payment.

Here, the payment information transmitted to the payment AP system by the mobile terminal in step b) may include encrypted credit card information.

In addition, in the step b), in transmitting the payment information and payment terminal information to the payment AP system by the mobile terminal, the payment information may be transmitted through a public network (WEB) encryption channel.

In addition, in step e), in response to the mobile terminal receiving the approval result from the approval system by the payment AP system, the mobile receipt and the approval result may be encrypted to respond to the mobile terminal.

At this time, the mobile terminal displays the mobile receipt received from the payment AP system on the screen to be checked by the user of the mobile terminal, and the encrypted approval result can be transmitted to the payment terminal.

In addition, in the step g), in the payment confirmation by receiving the approval result from the mobile terminal by the payment terminal, the encrypted approval result can be decrypted to confirm the payment.

According to the present invention, due to the exclusion of a payment agency (VAN company), it is possible to alleviate the commission burden of the merchant, and shorten the payment processing time by using the Internet network using 3G, 4G or Wi-Fi, and the app card. By using it, it is possible to prevent illegal use of the payment terminal.

In addition, it is possible to prevent personal information leakage by not storing and managing the user's card information at the merchant where the payment terminal is installed, and can utilize the existing card company system as it is without additional infrastructure. By replacing the processing with mobile rather than paper, the cost of issuing paper receipts can be reduced.

1 is a view showing a payment process by a payment system through a conventional payment agency.
2 is a view showing an authentication process of a general payment terminal.
3 is a view showing a payment process of a conventional reverse payment system.
4 is a view showing a payment process of the system for direct approval.
5 is a view schematically showing the configuration of a mobile payment system in accordance with the present invention.
6 is a flowchart illustrating an execution process of a mobile direct payment method according to the present invention.

The terms or words used in the present specification and claims should not be interpreted as being limited to a conventional or lexical meaning, and the inventor can appropriately define the concept of terms in order to best describe his or her invention. Based on the principles, it should be interpreted as meanings and concepts consistent with the technical spirit of the present invention.

Throughout the specification, when a part “includes” a certain component, this means that other components may be further included rather than excluding other components unless specifically stated to the contrary. In addition, terms such as “… unit”, “… group”, “module”, and “device” described in the specification mean a unit that processes at least one function or operation, which is hardware or software or a combination of hardware and software. Can be implemented as

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Here, prior to full-scale description of the embodiment of the present invention, the background or related technologies from which the present invention was born will first be described.

2 is a view showing an authentication process of a general payment terminal.

Referring to FIG. 2, the manufacturer of the credit card company (payment AP system) 260 or the payment terminal 210 transmits company information and a public key to the credit association 270 to request a certificate generation. Then, the credit association 270 generates a signature for the requested information with the credit association private key. Here, the public key of the credit association 270 should be distributed to each card company 260 and the payment terminal 210 manufacturer in advance. In addition, the card company certificate is stored in the DB of the payment AP system 260, and the payment terminal certificate is stored in the memory of the payment terminal 210 at the time of manufacture of the payment terminal 210 and installed in each affiliated store.

The payment terminal 210 installed in this way is issued a certificate to the public network through a cryptographic channel and issuing an IPK (Issuer Public Key; a public key for secure terminal authentication distributed by the card company) from the card company, and authenticates the terminal with the corresponding IPK. request. Then, the payment AP system 260 of the credit card company authenticates the terminal authentication request with an Issuer Security Key (ISK) corresponding to the IPK, and requests authentication again with the ISK. Accordingly, the payment terminal 210 authenticates with the IPK for the ISK authentication request to complete the terminal authentication.

When the terminal authentication is completed, the payment terminal 210 requests the issuing AP system 260 of the card company to issue an IPEK (Initial Pin Encryption Key, which is a seed key that encrypts the card number when the credit card is paid with the initial key). Accordingly, the credit card payment AP system 260 generates a Key Serial Number (KSN), encrypts the IPEK, and responds to the payment terminal 210 together with the KSN. Then, the payment terminal 210 decrypts the IPEK to generate a “future key” (a key that encrypts the card number when the credit card is paid, and increases the counter bit of the KSN with each use) in conjunction with the KSN.

3 is a view showing a payment process of a conventional reverse payment system.

Referring to FIG. 3, the payment method using the conventional reverse payment system 300 first inputs the payment information for the goods purchased or the service provided by the user to the payment terminal 310 by the affiliated person (the store owner or employee). By doing so, the payment information is transmitted from the payment terminal 310 to the reverse payment server 320.

Then, the reverse payment server 320 generates a payment code (QR code, barcode, etc.) based on the received payment information and transmits it to the payment terminal 310, and the payment terminal 310 transmits the received payment code to the screen. In addition to the display box, the payment code is transmitted to the app card 330 of the user terminal. Accordingly, the app card 330 transmits a payment code to the payment AP system 360 to request payment.

The payment AP system 360 makes an inquiry to the reverse payment server 320 for the received payment code, and performs a consistency check. When the consistency check is completed, the payment AP system 360 transmits the payment card information of the user of the app card 330 and the payment information to the approval system 350 to request payment approval.

The approval system 350 verifies payment card information and payment information according to a payment approval request from the payment AP system 360 and transmits the approval result to the payment agency (VAN company) 340. Accordingly, the payment agency 340 manages the merchant approval data for the approval result, and transmits the approval result to the payment terminal 310.

Then, the payment terminal 310 displays the approval result received from the payment agency 340 on the screen, prints the receipt and delivers it to the user.

On the other hand, the domestic credit card industry is in the process of partially switching to a direct approval system due to a decrease in yields and the government's policy to cut fees. Here, a description will be given of the system for the direct approval, which is the movement of the entire card company.

4 is a view showing a payment process of the system for direct approval.

Referring to FIG. 4, the payment method by the direct approval system 400 is the same as the payment method by the payment system 100 through the payment agency described above, first, payment information for the goods purchased by the user or the service provided. Is input to the payment terminal 410 by the affiliated person (store or employee) of the affiliate store, and requests an Authorization Request Cryptogram (ARQC) from the payment terminal 410 to the user's credit card 420.

Then, the credit card 420 encrypts the payment information with the key of the IC card to generate ARQC, and responds to the generated ARQC with the payment terminal 410. Accordingly, the payment terminal 410 requests payment by transmitting the payment information including the encrypted credit card information and the ARQC to the payment AP system 460 of the card company through a public network (WEB) encryption channel.

The payment AP system 460 transmits the payment information input through the encryption channel to the approval system 450 to request payment approval, and the approval system 450 credits according to the payment approval request from the payment AP system 460 The validity of the card and ARQC are verified, and when the verification is completed, the approval result is responded to the payment AP system 460.

Accordingly, the payment AP system 460 responds to the approval result received from the approval system 450 to the payment terminal 410, and the payment terminal 410 prints a receipt for the approval response and delivers it to the user.

Then, hereinafter, the embodiments of the present invention will be described based on the reverse payment system or the direct approval system as described above.

5 is a diagram schematically showing the configuration of a mobile direct payment system according to an embodiment of the present invention.

Referring to FIG. 5, the mobile direct payment system 500 according to the present invention is intended to simplify the reverse payment system 300 (see FIG. 3) based on the direct approval system 400 (see FIG. 4) described above. It comprises a payment terminal 510, a mobile terminal 530, a payment AP (Application Processor) system 560, an authorization system 550.

The payment terminal 510 is installed in a merchant capable of card payment (in this case, an app card payment), receives payment information for a product purchased by the user or a service provided by the user, and requests payment from the user by receiving the payment information by the affiliated person, Confirm the payment by receiving the approval result from the user. Here, such a payment terminal 510 may include a reader, point of sales (POS), and the like.

The mobile terminal 530 is carried by a user, an application capable of executing a mobile app card is mounted, and the payment information and payment terminal information are wired / wireless according to a payment request from the payment terminal 510. The payment is sent to the card company through the network to request payment, and the payment approval result is received from the card company and transmitted to the payment terminal 510. Here, the payment information transmitted from the mobile terminal 530 to the card company may include encrypted credit card information. In addition, when the mobile terminal 530 as described above transmits the payment information and payment terminal information to the card company, the mobile terminal 530 may transmit through the public network (WEB) encryption channel. In addition, the mobile terminal 530 as described above may include a smart phone, a personal digital assistant (PDA), a tablet PC, a notebook PC, and the like.

Payment AP (Application Processor) system 560 is installed in the card company, receives payment information and payment terminal information from the mobile terminal 530, and receives the payment information according to the payment request from the mobile terminal 530 The approval part is transmitted to the approval system 550 to request payment approval, and the approval result from the approval part (the approval system 550) is received to respond to the mobile terminal 530. Here, when the payment AP system 560 receives the approval result from the approval part (approval system 550) and responds to the mobile terminal 530, the mobile receipt and the approval result are encrypted and the mobile terminal ( 530).

The approval system 550 is installed in the card company, and the validity of the credit card (mobile app card) and ARQC (based on the payment information from the payment AP system 560 according to the payment approval request from the payment AP system 560) After verifying the Authorization Request Cryptogram (authorization request cryptogram), the approval result is responded to the payment AP system 560.

Next, a mobile direct payment method based on the mobile direct payment system according to the present invention having the above configuration will be described.

6 is a flowchart illustrating an execution process of a mobile direct payment method according to an embodiment of the present invention.

5 and 6, the mobile direct payment method according to the present invention includes a payment terminal 510, a mobile terminal 530, a payment AP system 560 and an authorization system 550 as described above. A mobile direct approval payment method based on the mobile direct approval payment system 500, wherein the payment terminal 510 receives payment information for a product purchased by a user or a service provided by the user by the payment terminal 510. It is input by the person in charge of the affiliated store (the merchant's store owner or employee) and requests payment to the user's mobile terminal 530 (step S601).

Accordingly, in response to a payment request from the payment terminal 510 by the mobile terminal 530, the payment information and payment terminal information are transmitted to the payment AP system 560 of the card company through a wired / wireless network to request payment. (Step S602). Here, the payment information transmitted to the payment AP system 560 by the mobile terminal 530 may include encrypted credit card information. In addition, in transmitting the payment information and payment terminal information to the payment AP system 560 by the mobile terminal 530, the payment information may be transmitted through a public network (WEB) encryption channel.

In this way, when payment is requested to the payment AP system 560 by the mobile terminal 530, payment information and payment terminal information from the mobile terminal 530 are received by the payment AP system 560, and the mobile terminal In response to the payment request from 530, the payment information is transmitted to the credit card company's approval system 550 to request payment approval (step S603).

Then, based on the payment information from the payment AP system 560 according to the payment approval request from the payment AP system 560 by the approval system 550, the validity and ARQC of the credit card (mobile app card) After verifying the Authorization Request Cryptogram), the approval result is responded to the payment AP system 560 (step S604).

Accordingly, the payment AP system 560 receives the approval result from the approval system 550 and responds to the mobile terminal 530 (step S605). Here, in response to the mobile terminal 530 by receiving the approval result from the approval system 550 by the payment AP system 560, the mobile receipt and the approval result is encrypted to respond to the mobile terminal 530 can do. At this time, the mobile terminal 530 displays the mobile receipt received from the payment AP system 560 on the screen to be confirmed by the user of the mobile terminal 530, and the encrypted approval result is the payment terminal 510 ).

When the response of the approval result is made from the payment AP system 560 to the mobile terminal 530, the payment terminal 510 receives the payment approval result from the payment AP system 560 by the mobile terminal 530. And transmit to (step S606).

Then, the payment is confirmed by receiving the approval result from the mobile terminal 530 by the payment terminal 510 (step S607). Here, in confirming the payment by receiving the approval result from the mobile terminal 530 by the payment terminal 510, it is possible to confirm the payment by decrypting the encrypted approval result.

As described above, the mobile direct payment system and method according to the present invention introduces a direct approval mechanism between a mobile terminal and a card company without the intervention of a payment agency (VAN company) or a reverse payment server, thereby providing the following advantages or effects. Have

First, due to the exclusion of a payment agency (VAN company), it is possible to alleviate the merchant's fee burden.

Second, it is possible to prevent fraudulent use of the payment terminal by using an app card. That is, it is possible to confirm domestic payment use by confirming the base station.

Third, as the card information of the user is not stored and managed by the merchant in which the payment terminal is installed, the leakage of personal information can be basically prevented.

Fourth, payment processing time can be shortened by using an Internet network using 3G, 4G, or Wi-Fi.

Fifth, it is possible to utilize the existing card company system without additional infrastructure. That is, it can have a comparative advantage in terms of infrastructure construction compared to the existing reverse payment system.

Sixth, by replacing receipt processing with mobile rather than paper, it is possible to reduce the cost of issuing paper receipts and contribute to the protection of the natural ecological environment.

As described above, the present invention has been described in detail through preferred embodiments, but the present invention is not limited thereto, and various modifications and applications can be made without departing from the spirit of the present invention. It is obvious to the technician. Therefore, the true scope of protection of the present invention should be interpreted by the following claims, and all technical spirits within the equivalent scope should be interpreted as being included in the scope of the present invention.

100: (conventional) payment system through payment agency
110,210,310,410,510: Payment terminal 120,420: Credit card
130,330,530: mobile terminal (app card) 140,340: payment agency
150,350,450,550: Approval system 260,360,460,560: Payment AP system
270: Credit Association 300: (conventional) reverse payment system
320: reverse payment server 400: direct approval system
500: (invention) mobile direct payment system

Claims (11)

It is installed in a merchant that can pay with a card, and receives payment information for the goods purchased by the user or a service provided by the user by a merchant affiliate, requests payment from the user, and receives payment from the user to confirm the payment. terminal;
It is carried by a user, an application that can execute a mobile app card is mounted, and the payment information and payment terminal information are transmitted to the card company through a wired / wireless network according to a payment request from the payment terminal to make payment. A mobile terminal for requesting and receiving a payment approval result from the card company and transmitting it to the payment terminal;
It is installed in the card company, receives payment information from the mobile terminal and payment terminal information, and requests payment approval by sending the payment information to the approval part according to the payment request from the mobile terminal, and the approval result from the approval part Payment AP (Application Processor) system for receiving and responding to the mobile terminal; And
It is installed in a card company and verified the validity of a credit card (mobile app card) and Authorization Request Cryptogram (ARQC) based on payment information from the payment AP system according to a payment approval request from the payment AP system. Then, a mobile direct payment system comprising an approval system that responds to the payment result AP system. According to claim 1,
The payment information transmitted from the mobile terminal to the card company is a mobile direct payment system including encrypted credit card information.
According to claim 1,
When the mobile terminal transmits the payment information and the payment terminal information to the credit card company, a mobile direct payment system that transmits through a public network (WEB) encryption channel.
According to claim 1,
When the payment AP system receives the approval result from the approval part and responds to the mobile terminal, a mobile direct payment system that encrypts the mobile receipt and the approval result and responds to the mobile terminal.
According to claim 1,
The mobile terminal is a smartphone, PDA (Personal Digital Assistant), a tablet PC, a mobile direct payment payment system comprising at least one of a notebook PC.
A mobile direct payment method based on a mobile direct payment system including a payment terminal, a mobile terminal, a payment AP system and an approval system,
a) receiving payment information for a product purchased by the user or a service provided by the user by the payment terminal by an affiliated merchant in which the payment terminal is installed and requesting payment by the user's mobile terminal;
b) requesting payment by transmitting the payment information and payment terminal information to the payment AP system of a credit card company through a wired / wireless network according to a payment request from the payment terminal by the mobile terminal;
c) receiving payment information and payment terminal information from the mobile terminal by the payment AP system, and transmitting payment information to the authorization system of the credit card company according to a payment request from the mobile terminal to request payment approval ;
d) Validation of the credit card (mobile app card) and ARQC (Authorization Request Cryptogram) based on the payment information from the payment AP system according to the payment approval request from the payment AP system by the approval system. After verifying, responding the approval result to the payment AP system;
e) receiving an approval result from the approval system by the payment AP system and responding to the mobile terminal;
f) receiving a payment approval result from the payment AP system by the mobile terminal and transmitting it to the payment terminal; And
g) A payment method for a mobile direct approval, comprising the step of confirming a payment by receiving an approval result from the mobile terminal by the payment terminal.
The method of claim 6,
In step b), the payment information transmitted to the payment AP system by the mobile terminal includes an encrypted credit card information.
The method of claim 6,
In step b), in the step of transmitting the payment information and the payment terminal information to the payment AP system by the mobile terminal, a mobile direct payment method for transmitting through a public network (WEB) encryption channel.
The method of claim 6,
In step e), in response to the mobile terminal receiving the approval result from the approval system by the payment AP system, the mobile receipt and approval result is encrypted, and the mobile direct payment method responds to the mobile terminal.
The method of claim 9,
The mobile terminal displays a mobile receipt received from the payment AP system on a screen to be checked by a user of the mobile terminal, and the encrypted approval result is transmitted to the payment terminal.
The method of claim 6,
In step g), in the payment confirmation by receiving the approval result from the mobile terminal by the payment terminal, the mobile direct payment method of decrypting the encrypted approval result to confirm the payment.

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