Abstract: Disclosed is a method for controlling a financial chip of a payment device, in which information for multiple cards is stored in a single USIM chip, to enable the payment device to use credit cards from multiple card companies as a payment means. The method includes: dividing storage of the memory of the financial chip into multiple sections and allocating a turn to each storage section; allocating a first turn to the first card company server and recording information on the credit card issued by the first card company server, an application for financial transactions, and an identifier for the application when the first card company server and the second card company server sequentially make a request for the record of credit card information to the financial chip; and providing card arrangement information including information on the first turn and a second turn to the second card company server.

Abstract: A method for processing a transaction using a dynamic PAN (Primary Account Number), performed by a payment device that provides a card reader with ISO (International Standardization Organization) standards of track 2 information. A PAN area of the track 2 information is divided into a first area, in which a BIN (Bank Information Number) is included, and a second area, in which the BIN is not included. A dynamic area is formed by encrypting the second area and a dynamic PAN area is formed by combining the first area with the dynamic area. Track 2 information (which includes the dynamic PAN area) is provided to the card reader.

Abstract: Provided is a payment method using one-time information, which is performed by a payment system network-connected to a relay server and a payment device and having actual card information, the method including: receiving a payment schedule message from the payment device; publishing a Bank Information Number in response to the payment schedule message, generating one-time card information not including the actual card information, and providing the generated one-time card information to the payment device; judging validity of a message for approval request transmitted from the relay server according to whether or not a difference between a first time when the one-time card information is returned through the relay sever and a second time when the one-time card information is provided to the payment device satisfies a predetermined reference time; and determining whether or not the message for approval request is approved according to a judgment result of the validity.

Abstract: Disclosed is a method for controlling a financial chip of a payment device, in which information for multiple cards is stored in a single USIM chip, to enable the payment device to use credit cards from multiple card companies as a payment means. The method includes: dividing storage of the memory of the financial chip into multiple sections and allocating a turn to each storage section; allocating a first turn to the first card company server and recording information on the credit card issued by the first card company server, an application for financial transactions, and an identifier for the application when the first card company server and the second card company server sequentially make a request for the record of credit card information to the financial chip; and providing card arrangement information including information on the first turn and a second turn to the second card company server.

Abstract: The present invention proposes a method for automatically selecting a payment method using a payment device, in which the payment device and a payment processing terminal automatically determine a mutual payment method so as to thereby conveniently change a mobile payment environment when the payment device and the payment processing terminal approach (or contact) each other, and in which card information with improved security is acquired from a card company server and provided to the payment processing terminal so as to thereby enable mobile transactions with improved security while using existing payment processing networks.

Abstract: Disclosed is a mutual authentication method for a payment device, in which location information of track 2 information is hidden when a credit card faces an inappropriate payment processing terminal, thus improving security of the credit card. To this end, the method, performed by a payment processing terminal processing the payment of the payment device, comprises: generating a first random value and a first hash value for the random value; and providing the random value to the payment device, and comparing a second hash value returned by the payment device and the first hash value. The payment processing terminal authenticates the payment device when the first hash value is identical to the second hash value. The payment device recognizes the payment processing terminal as a normal terminal when receiving a request for generating the second hash value for the random value, and provides card information to the payment processing terminal.

Abstract: Disclosed is a method for processing the issuance of a mobile credit card, which is capable of shortening the time taken to issue a mobile credit card and in which card information transmitted from a card company server to a financial chip is processed by a one-time transmission. Thus the frequency of stoppages in the issuance of a credit card, which are caused by disconnections or interferences in a wireless communication, is reduced and stability of issuing a credit card is improved.

Abstract: The present invention relates to a method for processing a transaction using a dynamic primary account number (PAN), which can minimize changes of existing infrastructures such as a card reader, a VAN server, and a card company server; reduce burdens relating to such changes; and can improve the security of a transaction of payment devices such as a magnetic strip card, an IC card, and a portable terminal.

Abstract: The present invention relates to a mobile payment method using dynamic track 2 information, which provides a mobile payment environment having improved security by: enabling a card company server to process all encoding and decoding steps for track 2 information; and preventing a payment device, a card reader, and a relay server from being involved in the encoding and decoding steps.

Abstract: Provided is a payment method using one-time information, which is performed by a payment system network-connected to a relay server and a payment device and having actual card information, the method including: receiving a payment schedule message from the payment device; publishing a Bank Information Number in response to the payment schedule message, generating one-time card information not including the actual card information, and providing the generated one-time card information to the payment device; judging validity of a message for approval request transmitted from the relay server according to whether or not a difference between a first time when the one-time card information is returned through the relay sever and a second time when the one-time card information is provided to the payment device satisfies a predetermined reference time; and determining whether or not the message for approval request is approved according to a judgment result of the validity.

Abstract: Provided is a method of generating one-time code that can enable credit payment with improved security to be carried out by enabling one-time code to be generated in a such a way that the one-time code issued to a payment device cannot be inferred or expected by other persons. The method of generating one-time code, which is performed by a card company server providing one-time codes to payment devices when one-time codes are requested by the payment devices, the method, comprising steps of: allocating the payment devices to an index table according to an order of one-time codes being requested when the one-time codes are requested from the payment devices; obtaining digit strings from a one-time code table having one-time codes using target addresses non-sequentially provided in an index table; and generating the one-time codes including the digit strings and a Bank Identification Number (BIN) in a published state.