| 摘要 |
Disclosed by an embodiment of the present invention are an electronic wallet, a user terminal, and an operating method thereof. The electronic wallet includes: a communication unit which receives a payment request signal from the user terminal; at least one financial micro secure digital (SD) card which respectively includes at least one financial card (the financial card includes at least one among a credit card, a debit card, a check card, and a prepaid card); and a control unit which selects at least one payment card of the financial cards included in the financial micro SD card in order to perform a payment by the payment request signal. The communication unit transmits encoded card information of a payment card and encoded user certification information to the user terminal or an affiliated store server/terminal in order to request an approval of a payment, wherein the encoded card information includes encoded information of at least one among the card number of the payment card, a card security code, and a card expiration date. And the encoded user certification information includes encoded information of at least one among identification information of the electronic wallet, identification information of the user terminal, identification information of an electronic payment application of the user terminal, a communication subscriber identification number of the user terminal, and electronic signature information of a user. |
