KR101268602B1 - System and method for paying using smart card, and smart card applied to the same - Google Patents

Abstract

The present invention discloses a payment system using a smart card with a built-in smart card web server (SCWS) function, a method thereof, and a smart card applied thereto. That is, the mobile terminal includes a user terminal for transmitting the payment related information through an embedded browser and a smart card for performing a payment process by driving an embedded payment application based on the payment related information transmitted from the user terminal. All processes can be executed from the smart card mounted in the user terminal.

Smart Card, Smart Card Web Server (SCWS), Payment

Description

Payment system using smart card and its method, and smart card applied thereto {SYSTEM AND METHOD FOR PAYING USING SMART CARD, AND SMART CARD APPLIED TO THE SAME}

The present invention relates to a payment method using a smart card, and more particularly, a payment related process that was executed online by using a smart card with a smart card web server (SCWS) function is mounted on a user terminal. The present invention relates to a payment system using a smart card and a method thereof, and a smart card applied thereto.

With the increase of credit card users in Internet online shopping malls and offline stores, credit cards are becoming an important payment method along with cash.

However, when paying with a credit card in an online online shopping mall, there is a risk of personal information leakage by entering information such as a credit card number or social security number. And because you have to enter the resident registration number, expiration date, etc., it is quite cumbersome and there is a problem that an input error may occur during number input.

Accordingly, as the online shopping mall market expands, new methods of using a mobile communication terminal as a micro payment method are being developed. As a smart card used in a mobile communication terminal has been developed, a remote credit card payment method using a terminal is newly emerging. .

Furthermore, as smart cards installed in mobile communication terminals have recently become larger, and the concept of a smart card web server (SCWS) has been accommodated inside the card, payment related services performed on the existing web can be executed in the smart card. New solutions are needed.

The present invention was created to solve the problems inherent in the prior art as described above, an object of the present invention, the purchase target server for providing payment-related information in response to a payment request of the user terminal connected through a wired or wireless communication network; A smart card for performing a payment process by driving a built-in payment application based on the payment related information transmitted from the user terminal, a user terminal for transmitting the payment related information through an embedded browser, and the user terminal. The present invention provides a payment system and a method using a smart card including a payment interworking server that processes payment in connection with the smart card, thereby preventing user personal information from being exposed on the web.

Another object of the present invention, in response to a payment request of a user terminal connected through a wired or wireless communication network, requesting the operation of the built-in payment application based on the payment related information transmitted from the purchase target server through the user terminal to request the payment request Built-in the payment application issued for each credit card company based on the payment processing unit and EMV (Europay, Master Card and VISA) for processing the, and including an applet (Applet) driving unit for driving the payment application in response to the driving request It provides a smart card and a driving method thereof characterized in that the authentication / security technology according to the payment can be implemented in a single card.

According to an aspect of the present invention for achieving the above object is provided a payment system using a smart card with a built-in Smart Card Web Server (SCWS) function: This system, a user terminal connected through a wired or wireless communication network A purchase target server for providing payment related information according to a payment request of the server; A user terminal for transmitting the payment related information through an embedded browser; A smart card for performing a payment process by driving a built-in payment application based on the payment related information transmitted from the user terminal; And a payment interworking server which processes payment by interworking with the smart card through the user terminal.

According to another aspect of the present invention, there is provided a smart card that provides a payment service interoperating with a user terminal equipped with a browser through a smart card web server (SCWS; Smart Card Web Server) function. A payment processing unit processing a payment request by requesting a driving of an embedded payment application based on payment related information transmitted from a purchase target server through the user terminal according to a payment request of a user terminal connected through the payment terminal; And embedding the payment application issued for each credit card company based on EMV (Europay, Master Card and VISA), and including an applet driver for driving the corresponding payment application according to the driving request.

Preferably, the payment processing unit generates a list of payment applications embedded in the applet driver in response to a payment page request of the user terminal based on URL information included in the payment related information, and includes the created payment application list. The payment page is provided to the user terminal.

Preferably, the payment processing unit, characterized in that the request to the applet driver to drive the specific payment application included in the payment application list according to the selection of the user terminal based on the provided payment page.

Preferably, the applet driving unit, according to the specific payment application driving request, to drive the built-in corresponding payment application to create a payment request message, characterized in that for providing the created payment request full text to the payment processing unit.

Preferably, the payment processing unit transmits the provided payment request message using a browser of the user terminal and based on the payment response message received from a payment interworking server that provides a payment service according to the payment request message transmission. The applet driver is characterized in that the request for approval confirmation.

Preferably, the payment processing unit transmits a payment approval confirmation result of the applet driver based on the payment response message to the purchase target server, and URL information received from the purchase target server according to the payment approval confirmation result transmission. Based on the characterized in that the access to the order completion confirmation page provided by the purchase target server through a browser of the user terminal.

Preferably, the payment processing unit, running in the EMV Kernel (Kernel) environment, the application interworking module for performing the transfer of the payment request message and payment response message in conjunction with the payment application embedded in the applet driver; A management module for calling the application interworking module according to the payment related message and providing a user interface (UI) interworking with the user terminal; A first interface module for providing an interface with the payment interworking server; And a second interface module for providing an interface with the purchase target server.

According to another aspect of the present invention, there is provided a payment method using a smart card with a built-in Smart Card Web Server (SCWS) function: This method, in the user terminal, according to a payment request through a wired or wireless communication network; A payment start page receiving step of receiving a payment start page including payment related information from a purchase target server; A payment page request step of requesting a payment page to a smart card based on URL information included in the payment related information; And a payment processing step of receiving, at the user terminal, a payment processing result according to driving of a built-in payment application from the smart card according to the payment page request.

Preferably, the payment processing step, the payment page receiving step of receiving a payment page including a list of payment applications embedded from the smart card in response to the payment page request; A payment application driving request step of requesting the smart card to drive a specific payment application included in the payment application list; A payment request message transmission step of receiving the payment request message from the smart card according to a driving request and transmitting the specific payment application to a payment interworking server providing a payment service; A payment approval confirmation request step of requesting payment approval confirmation by transmitting a payment response message received from the payment interworking server to the smart card according to the payment request message transmission; And a payment approval confirmation result transmitting step of receiving a payment approval confirmation result based on the full payment response message from the smart card according to the payment approval confirmation request and transmitting the result to the purchase target server.

Preferably, the payment processing step, the URL information providing step of providing URL information for accessing the order completion confirmation page received from the purchase target server according to the payment approval confirmation result transmission to the smart card; And a page access step of accessing an order completion confirmation page provided by the purchase target server in response to a page access request received from the smart card according to the URL information.

According to yet another aspect of the present invention, there is provided a method of operating a smart card that provides a payment service interoperating with a user terminal equipped with a browser through a smart card web server (SCWS) function. A payment request receiving step of receiving a payment page request of the user terminal based on payment related information received from a purchase target server through a wired or wireless communication network; A list creation step of creating a list of embedded payment applications according to the payment page request; A payment page providing step of providing a payment page including the created payment application list to a user terminal; And a payment processing step of processing a payment by driving a specific payment application included in the payment application list according to the selection of the user terminal according to the selection received from the user terminal based on the payment page. .

Preferably, the payment request receiving step, characterized in that for receiving the payment page request based on the URL information included in the payment related information.

Preferably, the payment processing step, the payment request message creation step for creating a payment request full text by driving the specific payment application; A payment response message receiving step of receiving a payment response message received from a payment interworking server providing a payment service according to the created payment request message transmission through the user terminal; And a payment approval confirmation step of performing a payment approval confirmation based on the full payment response message.

Preferably, in the payment processing step, the order completion confirmation page provided to the user terminal to the user terminal on the basis of the URL information received from the server to purchase in response to the payment approval confirmation result transmitted through the user terminal The method may further include a page access request step of requesting access to.

The payment system and method using the smart card according to the present invention, and the smart card applied thereto, the user's personal information is exposed on the web as the payment related process executed on the online web in the smart card mounted on the user terminal Can be prevented. In addition, the authentication / security technology can be implemented in one card by executing all payment related processes executed on the online web in a smart card implemented based on a smart card web server (SCWS) function.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a schematic configuration diagram of a payment system using a smart card according to an embodiment of the present invention.

As shown in FIG. 1, the system includes a purchase target server 100 that provides payment related information according to a payment request of a user terminal connected through a wired or wireless communication network, and a user who delivers payment related information through a built-in browser. A terminal 200 and a smart card web server (SCWS) function are built-in, and a smart for performing a payment process by driving a built-in payment application based on the payment related information transmitted from the user terminal 200. It has a configuration that includes a card 300, and the payment interlock server 400 to process the payment in conjunction with the smart card (300).

The purchase target server 100 refers to a seller server selling goods to be purchased on a web (WEB) or a WAP (WAP) of the user terminal 200. In general, the purchase target server 100 purchases through a browser mounted on the user terminal 100. Start the payment process by providing a payment page on your site. At this time, the purchase target server 100 may provide purchase information (Amount, currency, date, time .., etc.), selectable payment method information, and own access information (IP, Port .., etc.) to receive payment information. The payment related information to be provided is provided to the connected user terminal 200. Here, when the user terminal 200 selects smart card payment as a payment method, the purchase target server 100 pays payment related information including URL information and purchase information for requesting a payment page from the smart card 300. Provided in the form of a start page. On the other hand, the purchase target server 100 when the payment approval is completed in the smart card 300 and the approval result is received through the user terminal 200, the URL information for accessing the payment result page after processing the approval result Is provided to the smart card 300 mounted on the user terminal 200 to induce connection of the user terminal 200.

The user terminal 200 transmits payment related information transmitted and received between the purchase target server 100, the smart card 300, and the payment interworking server 400 through an embedded browser. In addition, the user terminal 200 provides the user with UI information provided according to the payment processing operation of the smart card 300, and receives user input information based on the UI information to receive the smart card 300. ) Function.

The smart card 300 prepares the embedded payment application list according to the payment page request of the user terminal 200 based on the URL information, and provides the user terminal 200 with a payment page including the created payment application list. do. Here, the payment application refers to a general applet as part of a credit card program provided to a bank or a card company, and the payment page includes not only a list of payment applications but also purchase information received from the purchase target server 100. This would be desirable.

In addition, the smart card 300 processes a payment by driving a specific payment application included in the payment application list according to the selection of the user terminal 200 based on the payment page. Here, in the payment application selection operation of the user terminal 200, it is preferable that the necessary payment information such as the number of installment months is additionally input and transmitted to the smart card 300.

More specifically, the smart card 300 writes a payment request message by driving a specific payment application, and confirms payment approval based on the payment response message received from the payment interworking server 400 according to the created payment request message transmission. To perform. In addition, the smart card 300 transmits the payment approval confirmation result to the purchase target server 100 through the user terminal 200, and thereafter, the URL received from the purchase target server 100 according to the payment approval confirmation result transmission. The order completion confirmation page is accessed through the browser of the user terminal 100 based on the information.

Meanwhile, the payment interworking server 400 refers to a server disposed in a bank or credit card company. As described above, the payment interworking server 400 interlocks with the smart card 300 in response to a payment processing, that is, a payment request message. Write and provide.

As described above, according to the payment system using the smart card according to the present invention, as the user-related information is executed on the web by executing the payment related process executed on the online web in the smart card 300 mounted on the user terminal 200. Can be prevented.

Hereinafter, a detailed configuration of the smart card 300 will be described with reference to FIG. 2. The smart card 300 has a configuration in which a Universal Subscriber Identify Module (USIM) is basically built-in, and a user interface (UI) of a web environment based on a smart card web server (SCWS) function. The payment processing unit 310 and EMV (Europay, Master Card and VISA) to provide a built-in payment application issued for each credit card company has a configuration including an applet (Applet) driving unit for driving.

The payment processor 310 based on the payment related information transmitted from the purchase target server 100 through the user terminal 200 in response to a payment request from the user terminal 200 connected through a wired or wireless communication network for a built-in payment application. By requesting activation, a series of payment processes are relayed.

To this end, the payment processing unit 310 is driven in the EMV kernel (Kernel) environment, as shown in Figure 3, in conjunction with the payment application embedded in the applet drive module 320, the payment request professional and payment response specialist An application interworking module 311 that performs delivery; The application interworking module 311 is called according to the payment related message, and the management module 312 providing a UI (User Interface) interworking with the user terminal and the interface with the payment interworking server 200 are encrypted. A first interface module 313 for transmitting and receiving a payment request message and a payment response message, and a second interface module 314 for transmitting and receiving a payment approval result by providing an interface with the purchase target server 100. Can have

Based on such a configuration, the payment processor 310 creates a list of payment applications embedded in the applet driver 320 according to a payment page request of the user terminal 200 based on URL information, and includes the created payment application list. The provided payment page to the user terminal 200.

In addition, the payment processor 310 requests the applet driver 320 to drive a specific payment application included in the payment application list according to the selection of the user terminal 200 based on the provided payment page.

In connection with this, the applet driver 320 generates a full payment request by driving a corresponding payment application embedded in response to a driving request for the specific payment application of the payment processor 310, and converts the created payment request message into a payment processing unit ( Provided in 310).

In addition, the payment processing unit 310 transmits the payment request text provided from the applet driver 320 to the payment interworking server 400 using the browser of the user terminal 200, and according to the payment request text transmission server. The applet driver 320 requests approval confirmation based on the full payment response received from the 400.

Further, the payment processing unit 310 transmits the payment approval fine result of the applet driver 320 based on the full payment response to the purchase target server, and from the purchase target server 100 according to the payment approval confirmation result transmission. The order completion confirmation page provided by the purchase target server is accessed through the browser of the user terminal based on the received URL information.

As described above, according to the configuration of the smart card 300 according to the present invention, the smart card 300 implemented on the basis of the smart card web server (SCWS; Smart Card Web Server) function related to the payment process that was executed on the online web By running inside the), authentication / security techniques can be implemented on a single card.

Hereinafter, a method of interface between a terminal and a smart card according to an embodiment of the present invention will be described with reference to FIGS. 4 and 5.

First, an interface method between a terminal and a smart card according to an embodiment of the present invention will be described with reference to FIG. 4. Here, for the convenience of description, the configuration shown in FIGS. 1 and 2 will be described with reference to the corresponding reference numerals.

First, the purchase target server 100 provides payment related information according to a payment request of the user terminal 200 connected through a wired or wireless communication network (S11-S12). Preferably, the purchase target server 100, purchase information (Amount, currency, date, time .., etc.), selectable payment method information, and its connection information (IP, Port .. etc.) to receive payment information In the form of a payment start page, the user terminal 200 accesses payment related information including URL information for requesting a payment page. In this case, when the user terminal 200 selects smart card payment as a payment method, the purchase target server 100 pays payment related information including URL information and purchase information for requesting a payment page from the smart card 300. Provided in the form of a start page.

Thereafter, the user terminal 200 requests a payment page based on URL information included in payment related information provided from the purchase target server 100 (S13). Preferably, when the user terminal 200 selects smart card payment as a payment method, the user terminal 200 is a corresponding on the smart card web server (SCWS) embedded in the smart card 300 based on the URL information. Request a payment page.

Then, the smart card 300 creates a list of payment applications embedded in response to the payment page request, and provides a payment page including the created payment application list to the user terminal 200 (S14-S15). Here, the payment application refers to a general applet as part of a credit card program provided to a bank or a card company, and the payment page includes not only a list of payment applications but also purchase information received from the purchase target server 100. This would be desirable.

Next, according to the selection of the user terminal 200 based on the payment page, a specific payment application included in the payment application list is driven to create a full payment request and provide the same to the user terminal 200 (S16-). S19). At this time, in the payment application selection operation of the user terminal 200, it is preferable that additional payment information, such as the installment months, is additionally input and transmitted to the smart card 300.

Then, the user terminal 200 transmits the created payment request message to the payment interworking server 400, and receives the payment response message received from the payment interlocking server 400 in response to the payment request message to the smart card. Provided to (S20-S23).

Then, the smart card 300 confirms the payment approval based on the full payment response, and provides the payment approval confirmation result to the purchase target server 100 through the browser of the user terminal 200 (S24-S26).

Thereafter, the smart card 300 requests the user terminal 200 to access the order completion confirmation page based on the URL information received from the purchase target server 100 according to the payment approval result transmission, and receives the user terminal ( 200 through the browser, accesses the order completion confirmation page provided by the purchase target server 100 (S27-S30). That is, when the payment approval confirmation is received from the smart card 300 and the payment approval confirmation result is received through the user terminal 200, the purchase target server 100 checks the corresponding approval result and then accesses the payment result page. The URL information is provided to the smart card 300 mounted in the user terminal 200 to induce connection of the user terminal 200.

As described above, according to the payment method using the smart card according to the present invention, the user-related information is executed on the web by executing the payment related process executed on the online web within the smart card 300 mounted on the user terminal 200. Can be prevented.

Hereinafter, a method of operating a smart card according to an embodiment of the present invention will be described with reference to FIG. 5.

First, a payment page request of a user terminal based on payment related information included in a payment start page received from a purchase target server 100 through a wired / wireless communication network is received (S110, corresponding to S13 of FIG. 4). Preferably, the payment processing unit 310 receives the payment page request based on the URL information included in the payment related information.

Next, a built-in payment application list is created according to the payment page request (S120, corresponding to S14 of FIG. 4). Preferably, the payment processor 310 creates a list of payment applications embedded in the applet driver 320 according to the payment page request of the user terminal 200 based on the URL information.

Then, a payment page including the created payment application list is provided to the user terminal 200 (S130, corresponding to S15 of FIG. 4). Preferably, the payment processing unit 310 provides the user terminal 200 with a payment page including a list and purchase information about the payment application embedded in the applet driver 320.

Thereafter, according to the selection of the user terminal based on the provided payment page, a request for driving of a specific payment application included in the payment application list is performed (S140-S150). Preferably, the payment processing unit 310 requests the applet driver 320 to drive a specific payment application included in the payment application list according to the selection of the user terminal 200 based on the payment page.

Next, the specific payment application is driven to create a full payment request (S160-S170). Preferably, the applet driving unit 320 in response to a driving request for the specific payment application of the payment processing unit 310, to drive the corresponding payment application embedded to create a payment request full text, and the written payment request full text payment processing unit And S310-S170 of FIG. 5 corresponds to S17-S18 of FIG. 4.

Then, the request for approval based on the response to the written payment request text (S180-S200). Preferably, the payment processing unit 310 transmits the full text of the payment request provided from the applet driver 320 to the payment interworking server 400 using a browser of the user terminal 200, and makes a payment according to the full text of the payment request. The applet driver 320 requests the approval confirmation based on the full payment response received from the companion server 400 (S180 and S190 of FIG. 5 correspond to S19 and S23 of FIG. 4).

Thereafter, request to access the order completion confirmation page based on the payment approval result (S210-S250). Preferably, the payment processing unit 310 transmits the payment approval confirmation result of the applet driver 320 based on the full payment response to the purchase target server 100, and the purchase in response to the payment approval confirmation result transmission. Requests for access to the order completion confirmation page provided to the user terminal 200 in the purchase target server 100 based on URL information received from the target server 100 (S210, S230, S240, and S250 of FIG. 5). Corresponds to S24, S25, S28 and S29 in FIG.

As described above, according to the configuration of the smart card 300 according to the present invention, the smart card 300 implemented on the basis of the smart card web server (SCWS; Smart Card Web Server) function related to the payment process that was executed on the online web By running inside the), authentication / security techniques can be implemented on a single card.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

The payment system and method using the smart card according to the present invention, and the smart card applied thereto exceeds the limitations of the existing technology in that the payment related processes that were executed online are all performed inside the smart card mounted on the user terminal. According to the present invention, there is not only the use of the related technology but also the possibility of marketing or sales of the applied device as well as the degree to which it can be clearly realized in reality.

1 is a schematic configuration diagram of a payment system using a smart card according to an embodiment of the present invention.

2 is a schematic structural diagram of a smart card according to an embodiment of the present invention;

3 is a schematic configuration diagram of a payment processing unit according to an embodiment of the present invention.

4 is a flowchart illustrating a payment method using a smart card according to an embodiment of the present invention.

5 is a flowchart illustrating a method of operating a smart card according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: purchase target server 200: user terminal

300: smart card

310: payment processing unit

311: application interworking module 312: management module

313: First interface module 314: Second interface module

320: applet drive unit

400: payment interworking server

Claims (17)

In a payment system using a smart card with a smart card web server (SCWS) function, A purchase target server providing payment related information according to a payment request of a user terminal connected through a wired or wireless communication network; A user terminal for transmitting the payment related information through an embedded browser; A smart card for performing a payment process by driving a built-in payment application based on the payment related information transmitted from the user terminal; And It includes a payment interlock server for processing payments in conjunction with the smart card through the user terminal, The smart card, Create a payment request message by driving a built-in payment application based on the payment related information, and transmit the created payment request message to the payment interworking server using the user terminal; The payment interworking server processes the payment using the payment request message transmission to transmit a payment response message corresponding to the payment request message to the smart card through the user terminal. The smart card checks the payment approval confirmation result based on the payment response message corresponding to the payment request message, and transmits the payment approval confirmation result to the purchase target server. In a smart card that provides a payment service in conjunction with a user terminal equipped with a browser through a smart card web server (SCWS) function, A payment processing unit processing a payment request by requesting a driving of an embedded payment application based on payment related information transmitted from a purchase target server through the user terminal according to a payment request of a user terminal connected through a wired or wireless communication network; And Built-in the payment application issued for each credit card company based on EMV (Europay, Master Card and VISA), and includes an applet driver for driving the payment application according to the driving request, The applet drive unit, In response to the driving request, the corresponding payment application is driven to create a payment request message, and the prepared payment request message is provided to the payment processing unit. The payment processing unit, Send the provided payment request telegram to the payment interlock server using the user terminal, and use the payment request telegram to respond to the payment request telegram received from the payment interwork server providing a payment service. Requesting confirmation of approval from the applet driving unit The payment processing unit, Smart card, characterized in that for transmitting the payment approval confirmation result of the applet drive unit based on the full payment response server to the purchase target server. The method of claim 2, wherein the payment processing unit, In response to a request for a payment page of the user terminal based on the URL information included in the payment related information, a list of payment applications embedded in the applet driver is created, and a payment page including the created payment application list is provided to the user terminal. Smart card characterized in that. The method of claim 3, wherein the payment processing unit, And requesting the applet driver to drive a specific payment application included in the payment application list according to selection of the user terminal based on the provided payment page. delete delete The method of claim 2, wherein the payment processing unit, The payment approval confirmation result of the applet driver based on the full payment response message is transmitted to the purchase target server, and the URL is received from the purchase target server according to the payment approval confirmation result transmission through the browser of the user terminal. Smart card, characterized in that for accessing the order completion confirmation page provided by the purchase target server. The method of claim 7, wherein the payment processing unit, Run in the EMV Kernel environment, An application interworking module configured to transfer the payment request message and the payment response message in association with a payment application built in the applet driver; A management module for calling the application interworking module according to the payment related message and providing a user interface (UI) interworking with the user terminal; A first interface module for providing an interface with the payment interworking server; And And a second interface module for providing an interface with the purchase target server. In the payment method using a smart card with a built-in smart card web server (SCWS; A payment start page receiving step of receiving, at a user terminal, a payment start page including payment related information from a purchase target server according to a payment request through a wired or wireless communication network; A payment page request step of requesting a payment page to a smart card based on URL information included in the payment related information; And In the user terminal, a payment processing step of receiving a payment processing result of driving the embedded payment application from the smart card in response to the payment page request, The payment processing step, A payment application driving request step of requesting the smart card to drive the payment application; A payment request message transmission step of receiving the payment request message from the smart card according to a driving request and transmitting the payment request message to a payment interworking server providing a payment service; A payment approval confirmation request step of requesting payment approval confirmation by transmitting a payment response message received from the payment interworking server to the smart card according to the payment request message transmission; And And receiving a payment approval check result of receiving a payment approval check result based on the full payment response message from the smart card according to the payment approval check request and transmitting the result to the purchase target server. Way. delete The method of claim 9, wherein the payment processing step, Providing URL information for accessing the order completion confirmation page received from the purchase target server to the smart card according to the payment approval confirmation result transmission; And And a page access step of accessing an order completion confirmation page provided by the purchase target server in response to a page access request received from the smart card according to the URL information. delete In the smart card web server (SCWS; Smart Card Web Server) function to provide a payment service in conjunction with a browser-enabled user terminal in the smart card operating method, A payment request receiving step of receiving a payment page request of the user terminal based on payment related information received from a purchase target server through a wired or wireless communication network; A list creation step of creating a list of embedded payment applications according to the payment page request; A payment page providing step of providing a payment page including the created payment application list to a user terminal; And A payment processing step of processing a payment by driving a specific payment application included in the payment application list according to the selection of the user terminal according to the selection received from the user terminal based on the payment page; The payment processing step, A payment request message creation step of creating a payment request message by driving the specific payment application; A payment response message receiving step of receiving a payment response message received from a payment interworking server providing a payment service according to the created payment request message transmission through the user terminal; And And a payment approval confirmation step of performing a payment approval check based on the full text of the payment response. The method of claim 13, wherein the payment request receiving step, And operating the payment page request based on the URL information included in the payment related information. delete The method of claim 13, wherein the payment processing step, A page access request step of requesting the user terminal to access the order completion confirmation page provided by the purchase target server based on the URL information received from the purchase target server according to the transmission of the payment approval confirmation result through the user terminal; Method of operation of a smart card further comprising. A computer readable medium comprising instructions for performing each step of the method according to any one of claims 9, 11, 13, 14 and 16.

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