Mobile direct approval payment system and method

摘要

The present invention relates to a mobile direct payment system and method. The mobile direct approval payment system according to the present invention receives payment information about a product purchased or a service provided by a merchant, requests a payment from the user, and receives payment from the user to confirm the payment. terminal; It is equipped with an application that can execute a mobile app card, and sends payment information and payment terminal information to the card company through a wired/wireless network to request payment and approve payment from the card company according to the payment request from the payment terminal. A mobile terminal receiving the result and transmitting it to the payment terminal; A payment AP system that receives payment information from the mobile terminal and payment terminal information, transmits payment information to the approval part, requests payment approval, and receives an approval result from the approval part and responds to the mobile terminal; And an approval system that verifies the validity and ARQC of the credit card (mobile app card) based on the payment information from the payment AP system, and then responds the approval result to the payment AP system.