| 摘要 |
The present invention relates to an online/offline payment system and an online/offline payment method, and more specifically, to a mobile payment system and a mobile payment method using a mobile communication terminal, which are capable of improving user convenience while minimizing exposure of security information by using unique identification information of the mobile communication terminal. The payment system comprises: a service server which transmits a payment approval request signal including terminal identification information when a payment event occurs, and receives a payment processing result in response thereto; an authentication terminal which includes unique terminal identification information, performs verification by comparing service subscription information included in the payment approval request signal with prestored service subscription information, acquires user authentication information when the verification is passed, and transmits a user authentication response signal including the acquired user authentication information; and a payment approval server which requests a user authentication by transmitting the payment approval request signal to the authentication terminal, verifies the user approval response signal by the prestored service subscription information, performs payment with respect to card information of the user authentication information, and provides the payment result to the service server and the authentication terminal. |
