| 摘要 |
The objective of the present invention is to a contactless payment method and a contactless payment system enabling a user to carry only a smartphone that the user always carries in daily life without carrying any card, and enabling an affiliate shop not to install expensive wireless communication equipment for recognizing a mobile card. A contactless payment method using a mobile terminal of a user entering a shop comprises the steps of: transmitting an access request signal for a contactless payment from a payment terminal through a Bluetooth channel, wherein the payment terminal is installed in the shop; receiving the access request signal by the mobile terminal and pairing with the payment terminal; transmitting a payment request signal from the payment terminal to the mobile terminal according to a payment request of the user; transmitting payment request information from the mobile terminal to a relay server according to reception of the payment request signal; receiving first authentication information by the payment terminal from the user in response to an authentication request signal received from the relay server and transmitting the same to the relay server; transmitting the payment request information from the relay server to a financial company server and requesting payment when the first authentication information is matched with previously stored second authentication information; completing the payment according to the payment request information by the financial company server. |
