KR20160064061A - Payment system and payment method, additional service, url-nfc payable card and server - Google Patents

Abstract

A payment system which enables payment without exposing authentication information of a payment card according to the present invention includes: an URL-NFC payment card which provides card information and an URL required for the payment; a smart device which accesses the Internet site corresponding to the URL to transmit the authentication information of the URL-NFC payment card, transmit intent information on expected payment and receive main page information; a supplementary server which provides the Internet site, processes authentication in response to the authentication information, provides the main page information and provides information on expected payment in response to the intent information on expected payment; a payment terminal which provides payment request information in response to a payment request by using the card information and receives approval result information which represents an approval result of the payment; and a payment server which provides the approval result information in response to the information on expected payment and the payment request information and transceives payment related information to and from the supplementary server. The present invention also provides a method for safely making the payment by using the authentication information and a method for providing a supplementary service with the URL-NFC payment card as a unit by using the payment system.

Description

PAYMENT SYSTEM AND PAYMENT METHOD, ADDITIONAL SERVICE, URL-NFC PAYABLE CARD AND SERVER}

The present invention relates to a settlement system, a settlement method, a method of providing an additional service, a URL-NFC settlement card and a server, and more particularly to a settlement system and a settlement method for providing settlement and supplementary services using a card having a settlement function, An additional service providing method, a URL-NFC payment card, and a server.

A conventional payment system provides a payment service for paying a payment using a payment card and an additional service accompanied or helpful in using the payment card.

However, the conventional payment system and payment method have the following problems.

First, the signature of the payment card is stolen and fraudulent transactions are likely to occur, and it is difficult to structurally prevent denial of use. The method of solving the problem of signature theft is to use the authentication information (= secret information) known only to the user, but the authentication information can not be used because all information of the payment card is exposed to the payment terminal.

In order to solve the above problem, the encryption system is applied to the payment terminal to prevent the disclosure of the information, which is costly for increasing the price of the payment terminal and replacing the existing payment system. Also, the encryption system of payment terminals is likely to be decrypted sometime.

Further, there is a problem in that, in order to utilize the additional service of the payment card, the user accesses the site of the card company in a plurality of steps, logs in as a customer, and finds and uses the additional service of the payment card in several pages. This does not meet the needs of customers who want to know only those additional services by payment card.

As a result of the above problems, the credit card companies' site usage rate is low, so the value of credit card companies is very low.

A problem to be solved by the present invention is to enable settlement without exposing authentication information of a payment card.

A problem to be solved by the present invention is that a user can use an additional service in units of payment cards in a simple manner.

Another object of the present invention is to provide a payment system and a payment method for enhancing the value of a credit card company's site.

The billing system according to the present invention includes a URL-NFC payment card for providing card information and URL necessary for payment; A smart device for accessing an Internet site corresponding to the URL and transmitting the authentication information of the URL-NFC payment card, transmitting the pending schedule pseudo information indicating that the user is scheduled to make payment, and receiving the main page information; An additional server for providing the internet site, processing authentication in response to the authentication information, providing the main page information, and providing payment schedule information in correspondence with the pending pseudo information; A settlement terminal for providing settlement request information corresponding to a settlement request using the card information and receiving approval result information indicating a settlement result; And a payment server for providing the approval result information corresponding to the payment schedule information and the payment request information, and transmitting and receiving settlement related information to the supplementary server; .

A payment method according to the present invention comprises the steps of: a) providing a URL to a smart device through a URL-NFC payment card in NFC communication; b) connecting the smart device to an internet site of an attachment server corresponding to the URL; c) receiving and verifying authentication information of the URL-NFC payment card through the internet site; d) receiving, by the supplementary server, pending scheduling information; e) the providing server providing the payment schedule information to the payment server in response to the payment intention pseudo information; f) transmitting, by the payment terminal, the payment request information to the payment server in response to the payment request of the URL-NFC payment card; g) providing, by the payment server, approval result information to the payment terminal corresponding to the payment request information and the payment schedule information; And h) the payment terminal performing payment using the approval result information; .

A method of providing an additional service according to the present invention comprises the steps of: a) providing a URL to a smart device through a URL-NFC payment card in NFC communication; b) connecting the smart device to an internet site of an attachment server corresponding to the URL; c) receiving and verifying authentication information of the URL-NFC payment card through the internet site; And d) the supplementary server providing main page information to the smart device in units of the URL-NFC payment card in which the authentication information is confirmed; .

The URL-NFC payment card according to the present invention is characterized in that the card information necessary for payment and the URL that can be connected to the server of the card company can be provided to the outside by NFC communication.

The server according to the present invention can provide the card information necessary for payment and the URL that can be connected to the server of the card company to the outside through NFC communication. In the server using the URL-NFC payment card, the URL- The authentication information is registered for each payment card, and an additional service of the URL-NFC payment card is provided by logging in using the URL-NFC payment card unit.

The present invention can prevent unauthorized transaction or denial of use of the payment card by using the authentication information.

In addition, through the present invention, the additional service of the payment card can be effectively used by logging into the card company's site by a simple method.

Further, the value of the card company's site can be increased through the present invention.

In addition, it is possible to generate various profits by using the card company's site.

1 is a block diagram showing an embodiment of a payment system according to the present invention.
FIG. 2 is a block diagram showing the payment system of FIG. 1 in more detail.
3 is a flow chart of the operation of the smart device 200 in the embodiment of FIG.
4 is a flowchart of the operation of the additional server 300 in the embodiment of FIG.
FIG. 5 is a flowchart of the operation of the payment server 500 in the embodiment of FIG.
6 is a diagram showing embodiments of pages provided by the additional server 300 of FIG.
7 is a view showing an embodiment of a page including items related to the additional service provided by the supplementary server 300. FIG.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood that the terminology used herein is for the purpose of description and should not be interpreted as limiting the scope of the present invention.

The embodiments described in the present specification and the configurations shown in the drawings are preferred embodiments of the present invention and are not intended to represent all of the technical ideas of the present invention and thus various equivalents and modifications Can be.

A URL (Uniform Resource Locator) is a standard for displaying the location of a file on servers providing various services of a web document. In the present invention, the URL is used to access an Internet site providing an additional service of a payment card .

Near Field Communication (NFC) is advantageous in terms of security due to very short distance communication, and is basically applied to a smart phone, so that the URL-NFC payment card of the present invention can be practically used.

The NFC tag is composed of an NFC chip and a loop antenna. The NFC tag may be configured by fixing the NFC chip and the loop antenna, or may be constructed by attaching a terminal connected to the NFC chip and a terminal connected to the loop antenna.

In the present invention, a URL is stored in an NFC chip and is stored so as to be able to communicate with the outside through NFC communication.

1 is a block diagram showing an embodiment of a payment system according to the present invention.

Referring to FIG. 1, the present invention may include a URL-NFC payment card 100, a smart device 200, an additional server 300, a payment terminal 400, and a payment server 500.

The URL-NFC payment card 100 is a payment card that can provide a URL that can be connected to an additional server and card information (card number, etc.) necessary for payment. The URL may be stored in an NFC chip, and the card information may be stored in a magnetic or dedicated IC.

The URL serves as an ID when an additional service is provided as a unit of a URL-NFC payment card. If the URL is divided into URL-NFC payment cards, the URL can be used as an ID, Only one authentication information needs to be stored. If the authentication information is not classified by the URL-NFC payment card, the user must store two pieces of authentication information.

In general, since the web server can know the connected path, the additional server 300 can distinguish the case of accessing by using a URL and the case of accessing by using a web browser, so that the URL is divided into an ID Can be used. A window for inputting authentication information is transmitted to the smart device 200 only when the access path is divided using the URL and accessed using the URL of the URL-NFC payment card. The URL stored in the URL-NFC payment card is configured to allow easy access to the Internet site.

The smart device 200 is an electronic device including an NFC communication function, a function of exchanging information with a user, and a function of accessing the Internet. Typically, a smart phone may be exemplified, and an electronic device such as a computer may be an auxiliary And can operate as the smart device 200 by connecting the devices. The smart device 200 receives the URL from the URL-NFC payment card by NFC communication, accesses the Internet site provided by the supplementary server 300, and transmits the authentication information or the payment due intention information of the URL-NFC payment card from the user And delivers it to the attachment server 300. In addition, the smart device 200 delivers the Internet page received from the supplementary server 300 to the user, and transmits the request and the intention of the user to the supplementary server 300. [ The smart device 200 can transmit the device identification information to the outside and store the device identification information of the first smart device 200 in the appending server 300, Can be used to check for variability.

The authentication information of the URL-NFC payment card is managed by the attachment server 300 as an ID and confidential information set for each URL-NFC payment card. The additional server 300 transmits a page including a window for inputting the authentication information of the URL-NFC payment card 100 to the smart device 200 only when the connection is made using the URL of the URL-NFC payment card 100. [ When the authentication information of the URL-NFC payment card 100 transmitted by the user via the smart device 200 matches the information registered in the supplementary server 300, the additional server 300 is logged in.

The payment-scheduled doctor information is information for notifying the payment terminal 400 that the user intends to settle the payment within the payment-allowed time with the URL-NFC payment card 100. [

The payment allowable time is a time during which the settlement of the URL-NFC payment card 100 is permitted from the time when the payment server 500 notifies the payment server 500 of the payment intention information of the URL-NFC payment card 100. [

The main page information is information provided through the main pages after the initial page provided to the smart device 200 for the first time among the pages communicated between the smart device 200 and the additional server 300, Can be provided through the main page.

The additional server 300 provides an Internet site corresponding to the URL of the URL-NFC payment card 100, processes the authentication information of the URL-NFC payment card, divides it into URL-NFC payment cards 100, And a function of providing payment schedule information corresponding to the payment due to doctor information and transmitting and receiving payment related information and managing an additional database.

The additional server 300 can receive and process the authentication information through the Internet site.

The additional server 300 may receive the device identification information of the smart device 200 and may manage the URL-NFC payment card 100 and the smart device 200 in association with each other. If the device identification information of the smart device 200 used by the URL-NFC payment card 100 is different from the device identification information of the smart device 200 that has been used previously, You can take action by receiving a response from the user by noting that the device identification information is different.

The supplementary server 300 may further include an advertisement on an Internet page, or may provide an additional service for providing a list of URLs accessible to other sites.

In addition, the attachment server 300 may provide a function of setting temporary authentication information to be temporarily used. By using the provisional authentication information, the URL-NFC payment card 100 can be temporarily rented to another person while preventing the leakage of the authentication information of the URL-NFC payment card 100.

In addition, the supplementary server can provide the function of simultaneously providing the authentication information and the pending schedule pseudo information.

The additional service of the URL-NFC payment card 100 includes an additional service (hereinafter referred to as a dedicated supplementary service) classified according to the rating and type of the URL-NFC payment card 100, (Hereinafter referred to as a common additional service) provided in common with the card 100, and an additional service refers to all the services provided by the additional server 300. The additional server 300 provides the additional service in units of the URL-NFC payment card 100 in such a manner that the dedicated additional service and the common additional service of the logged-in URL-NFC payment card 100 are provided.

The dedicated supplementary service may include usage details, terms, merchant information, discount information, etc. of the URL-NFC payment card 100, and the common additional service may be an advertisement.

The payment schedule information is data that includes card information of the URL-NFC payment card 100 logged into the additional server 300 as information generated by the supplementary server 300 in correspondence with the payment intention information, to the payment server 500 .

The settlement related information is transmitted and received between the settlement server 500 and the supplementary server 300 with the data necessary for the supplementary server 300 to provide the supplementary service of the URL-NFC payment card 100. [

The use history of the URL-NFC payment card performed by the payment server 500 may be illustrated as payment related information, and the card information of the URL-NFC payment card registered in the supplementary server 300 may be illustrated as payment related information have.

The payment terminal 400 delivers the payment request information to the payment server 500 in response to the payment request of the URL-NFC payment card 100 and receives the approval result information from the payment server 500.

The payment terminal 400 may include various terminals capable of processing a payment request of the URL-NFC payment card 100. [ For example, in the case of online, a smart phone, a PC, a tablet, a notebook, and the like that can directly input information of the URL-NFC payment card 100 required for payment can be exemplified. In the case of offline, A POS (Point of Sales) terminal may be exemplified. In the present invention, the payment terminal 400 has an advantage that the existing terminal can be used as it is.

The payment request includes requesting payment for a predetermined amount of money by the URL-NFC payment card 100 communicating with the payment terminal 400. [

The payment request information is information required for the payment terminal 400 to request payment approval generated in response to the payment request.

The payment server 500 manages the payment of the URL-NFC payment card 100, generates approval result information in response to the payment request information and the payment schedule information, receives the payment related information, and manages the payment database It is the server of the card company.

The approval result information is information that includes contents in which the payment server 500 approves or rejects payment in response to payment schedule information and payment request information.

The supplementary database 310 includes data for processing the authentication by the supplementary server, data for providing the payment schedule information, and data for providing the supplementary server in response to the request of the supplementary server, It is a storage device that stores data.

The settlement database 510 is a storage device for storing data to be provided to the settlement server in response to a request from the settlement server, including data for providing settlement result information and data for transmitting and receiving settlement related information .

A method of using the payment service of the URL-NFC payment card 100 using the payment system of FIG. 1 is as follows.

The URL-NFC payment card provides the URL to the smart device by NFC communication, the smart device connects to the Internet site of the supplementary server corresponding to the URL, and the supplementary server receives the authentication information of the URL-NFC payment card through the Internet site And the supplementary server receives the payment-scheduled doctor information, the supplementary server provides the payment schedule information to the payment server in response to the payment-scheduled doctor information, and in response to the payment request of the URL-NFC payment card, The settlement server transmits the settlement request information to the settlement server, the settlement server provides the settlement result information to the settlement terminal in correspondence with the settlement request information and the settlement schedule information, .

A method of using an additional service in units of URL-NFC payment cards using the payment system of FIG. 1 is as follows.

The URL-NFC payment card 100 provides the URL to the smart device by NFC communication, the smart device connects to the internet site of the supplementary server corresponding to the URL, and the supplementary server transmits the URL-NFC payment card 100), and the additional server provides the main page information to the smart device in units of the URL-NFC payment card 100 in which the authentication information is confirmed, Service.

1, the common additional service can be used without logging into the URL-NFC payment card.

2 is a detailed block diagram of the payment system of FIG.

Referring to FIG. 2, a network for connecting a server and another apparatus in service of the settlement service of the URL-NFC payment card 100 is additionally described. The payment system of the present invention can settle the payment using the authentication information of the URL-NFC payment card 100 using the payment network and the Internet. The payment network may be the Internet or a Public Switched Telephone Network (PSTN). When the payment network is used as the Internet, when providing the authentication information and the payment schedule information of the URL-NFC payment card 100, the smart device 200 accesses the additional server, It is possible to access the payment server by using the authentication information and settle the payment.

Referring to FIG. 2, a processing procedure between the smart device 200 and the supplementary server 300 through the Internet can be known.

The smart device 200 provided with the URL-NFC payment card 100 and the URL through NFC communication makes a connection request to the additional server 300 through the URL. The supplementary server 300 requests authentication information in response to the server connection request of the smart device 200. [

When the smart device 200 transmits the authentication information, the supplementary server 300 determines whether the authentication information matches the information stored in the additional database 310. [

In addition, a page including a window for transmitting the payment-scheduled pseudo-information is transmitted to receive the payment-scheduled pseudo-information from the user or provide the main page information.

The user can surf the web using the supplementary service through the main page information. When the user completes the necessary action, the user can request the log-out to the supplementary server 300 through the smart device 200, In response, the supplementary server 300 can notify that the log-out has been performed.

3 is a flow chart of the operation of the smart device 200 in the embodiment of FIG.

3, the smart device 200 receiving the URL from the URL-NFC payment card 100 receives a connection request (S301) from the supplementary server 300 corresponding to the URL, Receives the page (S302), and receives a page for selecting the authentication information input or the main page movement transmission of the URL-NFC payment card 100 (S303). In step S303, if the user selects transfer to main page, the main page is received from the additional server 300 in step S304, the user uses the unauthorized main page in step S305, and if the URL- If the authentication information of the URL-NFC payment card is identical with the authentication information registered in the attachment server 300, the main page is moved (step S306) Or the payment schedule information transmission (S308), and if the page does not match, the flow returns to the step of receiving the initial page (S302) (S307). Step S307 is substantially performed in the additional server. If it is determined in step S308 that the pseudo-payment pseudo information is selected and the pseudo-payment intention information is transmitted to the attachment server in step S311, a page for selecting the transfer or termination of the main page transfer is received (S312) The main page is received (S309), and the user uses the logged-in main page (S310). If the main page transfer is selected on the page of step S312, the main page is received (S309) and the user uses the logged in main page. If the user selects termination, the smart device logs out from the appenders. In the flowchart of FIG. 3, the content of each step may include content other than the content shown in the flowchart.

4 is a flowchart of the operation of the additional server 300 in the embodiment of FIG.

4, a connection request is received from the smart device 200 (S401), and an initial page is provided to the smart device 200 (S402) to select authentication information reception or main page movement reception of the URL-NFC payment card (S403). In step S403, when main page movement reception is selected, the main page is provided to the smart device (S404), the user uses the main page that is not logged in (S405), authentication information of the URL-NFC payment card is received (S406) If the authentication information registered in the server 300 is identical to the authentication information registered in the server 300, a page for selecting main page movement reception or receipt of pending reservation pseudo information (S408) is transmitted to the smart device (S408) . In step S408, when the payment plan information is received, the payment schedule information is provided to the payment server in step S411, while the page S412 for selecting the main page movement reception or termination is transmitted to the smart device 200, The main page is provided to the smart device (S409) so that the user can use the login main page (S410). If main page movement reception is selected in step S412, the main page is provided to the smart device (S409) so that the user can use the login main page. If the end is selected, the smart device 200 logs out from the sub server . In the flowchart of FIG. 4, the content of each step may include contents other than those shown in the flowchart.

FIG. 5 is a flowchart of the operation of the payment server 500 in the embodiment of FIG.

5, the payment server 500 receives payment schedule information from the supplementary server 300 (S501) and receives payment request information from the payment terminal 400 (S502) (S506). If it is determined that the payment request information is not matched, the payment is approved (S505) if the payment request information is received within the payment allowable time (S505) S506). In step S507, the approval result information is transmitted to the payment terminal 400 according to the contents received in the payment approval step (S505) or the payment approval rejection step (S506).

In the flowchart of FIG. 5, the payment approval condition may include other conditions, and the contents of each step may include contents other than those shown in the flowchart.

6 is a diagram illustrating embodiments of an initial page provided by the supplementary server 300. As shown in FIG.

The initial page 610 includes an authentication information window 611 for inputting authentication information of a URL-NFC payment card, an advertisement window 612 for displaying an advertisement, a phone mode window 613 for switching to a telephone mode, A point window 614 for displaying the points of the NFC payment card, a main page window 615 for moving to the main page without logging in, and an end window 616 for disconnecting the connection.

The advertisement window 612 may include advertisements of other companies, and may use revenue from the advertisement for the annual fee exemption or distribute advertisement revenue to the customer.

In the present invention, the transmission of the pending pseudo information needs to be as simple as possible. For this purpose, a method different from the method of transmitting the pending pseudo information after logging in is described as an initial page 620 The initial page 630 is shown by way of example.

In the initial page 620, the payment authentication information 621 inputs the authentication information of the URL-NFC payment card and transmits it to the additional server 300 simultaneously transmitting the authentication request and the payment due pseudo information, When the confirmation is made, the payment schedule information is directly transmitted to the payment server. The main authentication information 622 simultaneously requests the authentication request and the movement to the main page. When the authentication information is confirmed, the supplementary server transmits the main page information to the smart device do. By doing so, the user can notify the supplementary server 300 that he / she intends to make a settlement within a payment allowable time at a time or can receive a main page from a smart device.

In the initial page 630, the authentication information 631 inputs the authentication information of the URL-NFC payment card and selects the payment 632 together and transmits it to the supplementary server, and simultaneously transmits the authentication request and the payment- 633 are selected together and transmitted to the additional server 300, And simultaneously requests the movement of the image.

When the initial page 620 or the initial page 630 is used, the authentication process and the pending intention pseudo information are simultaneously transmitted in the flowcharts of FIGS. 3 and 4, or a request for the authentication process and the movement to the main page are simultaneously transmitted.

In addition, in the case of the initial page 620 and the initial page 630, network traffic between the smart device 200 and the additional server 300 can be reduced because there is no advertisement.

7 is a view showing an embodiment of a page including items related to the additional service provided by the supplementary server 300. FIG.

7, a supplementary service 700 provided only when a user is logged in, an additional service 720 that can be used even if the user does not log in, An additional service 730 that can be used in conjunction with a smart phone of the type, and an additional service 740 for generating revenue of the card company.

The supplementary service 700 providing only information on the URL-NFC payment card that is logged in includes card information 701 for confirming the information of the URL-NFC payment card 100, a usage history 702 for confirming the usage history, Provisional authentication information 703 for setting temporary authentication information, log information 704 for confirming details of login and activity, phone number / ID registration 705 for registering a phone number or ID, confirmation of payment related points, and shopping (707) for changing the authentication information of the URL-NFC payment card, an alarm application (708) for requesting various alarms, an affiliate information (709) for confirming the affiliate, An additional service of the application view 710 that can access the site of the applications from the URL list of the application may be included.

The alarm notifies the user when an abnormal case occurs (when the identification information of the smart device is different from the existing information). The alarm method searches the telephone registered in the additional server by text, currency or e-mail.

In addition, the additional service 720 that can be used by a user who has not logged in may include an additional service of the portal / news view 721 for confirming various portals / news.

An additional service 730 that can be used in conjunction with a smart phone that is a kind of the smart device 200 includes a telephone dialer 731 using a smart phone, a text sending 732, an SNS connection 733, ) May be included. Location Finder is an additional service that searches the location of an affiliate by locating the location of the user by operating the GPS provided in the smartphone.

An additional service 740 capable of generating revenue of a card company may include a method of providing a third party advertisement to the advertisement area.

100: URL-NFC payment card 200: Smart device
300: Additional server 400: Payment terminal
500: Payment server

Claims (14)

When a payment request is made, the card information necessary for payment is provided to the payment terminal. When accessing the URL-NFC payment card by using the URL-NFC payment card on the internet site of the credit server of the card company of the URL-NFC payment card, A URL-NFC payment card for providing a URL to the smart device to access the Internet site immediately after NFC communication with the smart device;
When the NFC communication is performed with the URL-NFC payment card, accesses to the Internet site of the supplementary server corresponding to the URL and transmits the authentication information of the URL-NFC payment card stored and input by the user of the URL- To the additional server, and for receiving the main page information, which is transmitted by the URL-NFC payment card, or transmits the pseudo-payment information indicating that the user intends to pay using the URL-NFC payment card;
Providing the Internet site to the smart device for each URL-NFC payment card corresponding to the URL, accepting login for each URL-NFC payment card by checking the authentication information, and transmitting the main page information to the smart device The additional server of the card company providing the payment schedule information to the payment server of the card company of the URL-NFC payment card in response to the payment schedule information;
The settlement server providing the settlement request information corresponding to the settlement request using the card information to the settlement server of the card company of the URL-NFC settlement card, wherein the settlement server transmits the settlement request information received via the settlement terminal, A settlement terminal for receiving approval result information indicating an approval result for the settlement request generated using the settlement schedule information from the settlement server; And
The payment server may provide the approval result information generated using the payment schedule information received from the supplementary server and the payment request information received from the payment terminal to the payment terminal, Payment server; . The method according to claim 1,
An additional database storing the data for processing the authentication, the data for providing the payment schedule information, and the data constituting the main page information, and providing the corresponding data in response to the request of the supplementary server; And
A payment database for storing data for providing the approval result information and data for transmitting and receiving the payment related information, and providing the corresponding data in response to a request from the payment server; Further comprising: 2. The method according to claim 1,
And is transmitted to the additional server through the Internet site. The method according to claim 1,
And identifies the smart device attempting to connect using the URL. The method of claim 1, wherein the main page information
And the advertisement information is included in a page of the Internet site. The method of claim 1, wherein the main page information
And a page of the Internet site includes a list of URLs of other Internet sites. The method of claim 1, wherein the main page information
And a window for registering temporary authentication information of the URL-NFC payment card is provided on a page of the Internet site. The method according to claim 1,
And a window for simultaneously transmitting the input of the authentication information of the URL-NFC payment card and the pending schedule pseudo information through a page of the internet site. 2. The method according to claim 1,
Wherein the payment server is generated in response to a time point when the payment server requests approval of the payment request information and a payment time limit of the URL-NFC payment card. The method according to claim 1,
And the additional server is generated in response to the pending schedule pseudo information and provided to the payment server. a) providing a URL to a smart device via an NFC communication with a URL-NFC payment card;
b) connecting the smart device to an internet site of an attachment server corresponding to the URL;
c) receiving and verifying authentication information of the URL-NFC payment card through the internet site;
d) receiving, by the supplementary server, pending scheduling information;
e) the providing server providing the payment schedule information to the payment server in response to the payment intention pseudo information;
f) transmitting, by the payment terminal, the payment request information to the payment server in response to the payment request using the card information of the URL-NFC payment card;
g) providing, by the payment server, approval result information to the payment terminal corresponding to the payment request information and the payment schedule information; And
h) the payment terminal performing the payment using the approval result information; Lt; / RTI > a) providing a URL to a smart device via an NFC communication with a URL-NFC payment card;
b) connecting the smart device to an internet site of an attachment server corresponding to the URL;
c) receiving and verifying authentication information of the URL-NFC payment card through the internet site; And
d) the supplementary server providing main page information to the smart device in units of the URL-NFC payment card in which the authentication information is confirmed; The method comprising the steps of: NFC payment cards are divided into the URL-NFC payment card and the smart card and the NFC card when accessing the card information necessary for payment at the time of payment request and the URL-NFC payment card to the Internet site of the additional server of the card company of the URL- And a URL capable of accessing the Internet site immediately upon communication is provided to the outside. Wherein the server is capable of providing card information necessary for payment and a URL capable of accessing a server of a card company to the outside through NFC communication,
Wherein the server manages authentication information for each of the URL-NFC payment cards and logs in the unit of the URL-NFC payment card to provide an additional service for each of the URL-NFC payment cards.

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