MOBILE SECURITY PAYMENT SYSTEM AND METHOD BASED ON SMARTPHONE OFFLINE

摘要

The present invention relates to a mobile security payment system and method based on smartphone offline. According to the present invention, the mobile security payment system based on smartphone offline comprises: a mobile device for generating one-time payment information on the basis of limited bound key (LUK) and authentication key information received from a card company after authentication verification in a terminal, and paying for an amount of goods or services purchased by using a payment application; a member store terminal for performing a corresponding payment agency task according to a payment performed by the mobile device, and requesting payment approval to an upper hierarchy; a payment relay server for receiving a payment request signal from the member store terminal, processing information included in the payment request signal, and requesting payment approval to the upper hierarchy; and a card company system for storing user authentication information registered from the mobile device, generating an authentication key corresponding to the user authentication information, configuring NFC or MST payment card information and profiles, transmitting an LUK and an authentication key to the mobile device, and approving or rejecting payment by comparing AC generated in an internal approval system with AC included in a payment full text according to a payment approval request from the member store terminal or the payment relay server.;COPYRIGHT KIPO 2019