SYSTEM FOR ISSUING DEFERRED MICRO PAYMENT USING MOBILE PHONE OF SECURE ELEMENT AND METHOD THEREFOR

摘要

The present invention relates to a system and a method for issuing a small amount deferred payment based on the secure element of a mobile terminal. The system includes: a mobile terminal (100) which transmits deferred card issue request information which includes built-in USIM chip data to a relay server (200) by receiving deferred payment subscription request data and transmits renewal result information to the relay server (200) by receiving application protocol data unit (APDU) command information which includes deferred payment card issue information from the relay server (200) and renewing mobile deferred payment credit card issue information in the elementary file (EF) area of an USIM chip; the relay server (200) which transmits deferred payment card request information which includes deferred payment ledger data (an UICC ID, a phone number, and a resident registration number) by receiving deferred payment card issue request information from the mobile terminal (100), renews deferred payment issue ledger data by receiving deferred payment card information from a communication company server (300), and renews the deferred payment issue ledger data again about the renewal result information which is received by transmitting APDU command data which includes the deferred payment card information to the mobile terminal (100); and a communication company server (300) which registers the deferred payment card information by performing a certification and a mapping about the deferred payment issue ledger data which is included in deferred payment card use request information which is received from the relay server (200) and transmits the registered deferred payment card information to the relay server (200).