Payment System by Using App Traffic Card Installed at Smart Terminal and Method thereof

摘要

The present invention relates to a payment method using an application traffic card installed in a smart terminal. The payment method includes: a step in which a payment terminal generates payment information; a step in which if a smart terminal is tagged on the payment terminal, an affiliated e-money company application installed in the smart terminal is activated to receive the payment information from the payment terminal; a step in which the affiliated e-money company application transmits payment request information including the payment information to a traffic card application installed in the smart terminal; a step in which the traffic card application installed in the smart terminal transmits the payment request information to a traffic card application server; a step in which the traffic card application server transmits payment amount information to an affiliated e-money company server to request whether the payment can be made; a step in which the affiliated e-money company server determines whether a charged amount is equal to or larger than the payment amount; a step in which if the charged amount is equal to or larger than the payment amount, the affiliated e-money company server deducts the payment amount from the charged amount and transmits payment Yes information to the traffic card application server; and a step in which the traffic card application server completes the payment based on the payment request information and transmits payment result information to the affiliated e-money company server and the traffic card application module of the smart terminal. Therefore, the present invention is capable of reducing time for payment through a simple payment process.