| 摘要 |
PURPOSE: A mobile payment method and a system thereof are provided to establish a mobile payment means even at a store without a payment terminal. CONSTITUTION: Mobile commerce is used which is supplied by an online-commerce server (150) by executing the mobile commerce application of a user smart phone (110) (S205). If a mobile credit card is selected to pay a bill generated by mobile commerce (S210), a mobile payment application of the user smart phone is summoned and executed (S215). Payment amount information is transmitted from the mobile commerce application to the mobile payment application (S220). After the user identifies the payment amount and selects a mobile credit card to pay (S225), a user authentication is performed by verifying the password of the mobile payment application (S230). The mobile payment application transmits the mobile payment information required for payment to a mobile payment management server (140) (S235). The mobile payment management server transmits the mobile payment information to a relevant credit card company server (170) and requests a mobile payment authorization (S240). If a mobile payment authorization is received (S245), the mobile payment management server transmits the received mobile payment authorization to the user smart phone (S250). After the mobile payment application of the user smart phone informs the user of a mobile payment authorization result by indicating the result on a display, the mobile payment application is terminated (S255). [Reference numerals] (1)) Mobile credit card information; (110) User smart phone; (140) Mobile payment management server; (150) Online-commerce server; (170) Credit card company server; (2)) Online-commerce company information; (3)) Payment money; (S205) Mobile commerce by a mobile commerce application; (S210) Select mobile credit card as a payment unit; (S215) Call/execute a mobile payment application; (S220) Transmit payment money information from a mobile commerce application to a mobile payment application; (S225) Select a mobile credit card to confirm payment money; (S230) Confirm a password; (S235) Mobile payment information; (S240) Mobile payment approval request; (S245,S250,S265) Mobile payment approval; (S255) Mobile payment approval notification; (S260) Purchase/reservation confirmation |
