NFC RF Method of providing deposit-based integrated-processing of electronic cash transaction for multiple formats of RF cards using NFC function of smart terminals and computer-readable recording medium for the same

摘要

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention generally relates to a technology for integrally processing electronic money transactions (charge charging, payment settlement) for RF cards (plastic RF cards) of various electronic money formats using the NFC function of smart terminals. More particularly, the present invention relates to an electronic payment server that includes a security module (SAM) of a plurality of electronic money companies and installs an online charge server that mediates electronic money and an RF card, and after an online charge server deposits a predetermined amount from each electronic mortician, It is possible to manage the charging of the electronic money of the RF card within the limit, identify the electronic money format of each payment event, and perform the payment processing corresponding thereto, so that the various RF cards adopting different electronic money formats The present invention relates to a technology for integrally processing electronic money transactions such as electronic money charging and electronic money payment settlement.