KR20030094912A - Electronic Payment System and its Method using Contactless IC Card for Electronic Money - Google Patents

Abstract

The present invention relates to an electronic payment system and method using a plurality of different contactless electronic money IC cards issued by different electronic money companies and different card issuers, and in particular, only one SAM (Secure Application Module) The present invention relates to an electronic payment system and method using a plurality of contactless electronic money IC cards capable of performing a payment transaction with a plurality of different contactless electronic money IC cards issued by different electronic money companies and different card issuers. . To this end, the present invention, a plurality of different non-contact electronic money IC card issued by a plurality of different electronic money company and a plurality of different card issuers; A reader for recognizing the contactless electronic money IC card and communicating with the contactless electronic money IC card; And storing the corresponding keysets separately for each of the plurality of different electronic money companies, and performing mutual authentication with the non-contact type electronic money IC card using the keysets, and for each of the separated electronic money companies. SAM, which stores and manages corresponding transaction amount information by dividing by a plurality of other card issuers, respectively.

Description

Electronic Payment System and its Method using Contactless IC Card for Electronic Money}

The present invention relates to an electronic payment system and method using a plurality of different contactless electronic money IC cards issued by different electronic money companies and different card issuers.

Recently, due to the development of the Internet, the concept of electronic commerce has been introduced, and a new concept of payment method is required beyond the traditional payment method in the real transaction, and such a payment method includes an electronic card with a credit card and an electronic chip. Currency is attracting attention. In other words, with the establishment of the information age, various types of cards have been diversified, and from simple recording media such as magnetic stripe cards, electronic cards (IC cards), which are integrated with electronic chips, are now provided.

Such electronic money has become active in the financial industry, especially in recent years, and the application range of the non-contact type electronic money IC card is gradually increasing. Such a card can be used semi-permanently, and the amount of the card is reduced according to the amount of use of the card.

Figure 1 shows a schematic diagram of an electronic payment system using a conventional contactless electronic money IC card. As shown in FIG. 1, a conventional electronic payment system is a reader 20 for recognizing access of an IC card 30 for a non-contact electronic money, the IC card 30 and communicating with the IC card 30. And a Secure Application Module (SAM) 10 for performing the authentication procedure of the card 30. In a conventional electronic payment system, when a user pays using the IC card 30 for contactless electronic money, when the IC card 30 is approached to the reader 20, the reader 20 causes the IC. Recognizing the approach of the card 30, communication with the chip embedded in the IC card 30 is performed. Subsequently, the SAM 10 performs an authentication procedure of the IC card 30 corresponding to each electronic money company and each card issuer, and finally a payment transaction is performed.

However, the conventional electronic payment system as described above is contactless in order to perform a payment transaction with a plurality of different contactless electronic money IC cards 30 and 31 issued by different electronic money companies and different card issuers. Inside the type electronic money IC card reader 20, a plurality of different SAMs 10 and 11 are required for each electronic money company.

Therefore, when the electronic payment system is configured as described above, SAM is required for each electronic money company, so that the cost of manufacturing a card reader increases, and as the number of electronic money companies increases, the space for attaching the SAM 10 to the reader 20 is insufficient. There was a problem.

Accordingly, the present invention has been made to solve the above problems, the payment transaction with a plurality of different contactless electronic money IC card issued by one SAM, different electronic money company and different card issuer. Its purpose is to provide an electronic payment system and method.

1 is a schematic diagram of an electronic payment system using a conventional contactless electronic money IC card.

2 is a schematic diagram of an electronic payment system using an IC card for contactless electronic money according to the present invention.

Figure 3 illustrates one embodiment of a SAM configuration for storing the keyset and transaction amount information according to the present invention.

4 is a flowchart illustrating a card payment transaction procedure in an electronic payment system using a contactless electronic money IC card according to the present invention.

5 is a flowchart illustrating a card payment re-transaction procedure in an electronic payment system using a contactless electronic money IC card according to the present invention.

6 is a detailed operation flowchart of a contactless electronic money IC card performing a payment transaction procedure in the electronic payment system according to the present invention.

7 is a detailed operation flowchart of a SAM performing a payment transaction procedure in an electronic payment system according to the present invention.

8 is a detailed operation flowchart of a contactless electronic money IC card for performing a payment re-transaction procedure in the electronic payment system according to the present invention.

9 is a detailed operation flowchart of a SAM performing a payment retransaction procedure in an electronic payment system according to the present invention.

Explanation of symbols on the main parts of the drawings

100: SAM (Secure Application Module) 200: reader

300,301: IC card for non-contact electronic money 110: Electronic money company ID

111: actual mode keyset 112: test mode keyset

113: card issuer ID 114: transaction amount information

1141: total transaction collection counter 1142: individual transaction collection

1143: Cumulative transaction total

Electronic payment system according to the present invention for achieving the above object, a plurality of different non-contact type electronic money IC card issued by a plurality of different electronic money company and different card issuers; A reader for recognizing the contactless electronic money IC card and communicating with the contactless electronic money IC card; And storing the corresponding keysets separately for each of the plurality of different electronic money companies, and performing mutual authentication with the non-contact type electronic money IC card using the keysets, and for each of the separated electronic money companies. SAM, which stores and manages corresponding transaction amount information by dividing by a plurality of other card issuers, respectively.

When the non-contact type electronic money IC card receives a card payment transaction request from the reader, the card authentication information and the card authentication signature are transmitted to the SAM through the reader to request authentication of the IC card. When receiving the authentication request of the transaction price payment signature is sent to the SAM through the reader to send a transaction amount payment command.

In addition, when the SAM receives the authentication request of the IC card transmitted from the contactless electronic money IC card, the SAM authentication information and SAM authentication information signature are transmitted to the IC card through the reader to authenticate the SAM. And upon receipt of the transaction amount payment command of the card, transmits the individual transaction history and the individual transaction history signature of the card to the reader.

In this case, the keyset includes a real mode keyset used in a real transaction with the contactless electronic money IC card and a test mode keyset used in a test transaction between the contactless electronic money IC card and the transaction. Amount information is a total transaction collection counter that records the number of times of reading the transaction amount information stored in the SAM, the individual transaction collection number recording the number of times the SAM received the transaction amount from the IC card for contactless electronic money and the SAM The cumulative total transaction amount accumulated from the transaction amount received from the non-contact electronic money IC card is included.

In addition, the electronic payment method according to the present invention for achieving the above object, in the electronic payment method using a non-contact type electronic money IC card, a non-contact type electronic reader issued from different electronic money companies and different card issuers A first step of requesting a card payment transaction by transmitting data including a transaction amount to the contactless electronic money IC card when the IC card for money is recognized; The non-contact type electronic money IC using the key set of the non-contact type electronic money IC card matching the key set divided by the plurality of electronic money companies and the same with the key set classified by the plurality of electronic money companies in the SAM. A second step of performing mutual authentication between the card and the SAM; And a third step of, after the mutual authentication is completed, the non-contact type electronic money IC card subtracts the balance by the transaction amount, and the SAM increases the transaction amount information divided into the electronic money company and the card issuer by the transaction amount. .

Further, the electronic payment method may include: requesting a payment retransaction to the contactless electronic money IC card that performed the previous payment transaction procedure when the reader receives a payment retransaction request from the SAM; The non-contact electronic money IC card receiving the payment re-transaction start request transmits the card authentication information, the previous transaction log, and the payment re-transaction signature to the SAM through the reader to the SAM by recognizing the payment re-transaction with the reader. Requesting; The SAM receiving the authentication request of the IC card transfers the SAM authentication information and the SAM authentication information signature to the contactless electronic money IC card through the reader to request authentication of the SAM from the contactless electronic money IC card. Doing; After receiving the authentication request of the SAM, the non-contact electronic money IC card maintains the balance as much as the transaction amount, and then transfers the transaction value payment signature to the SAM through the reader to pay the transaction amount to the SAM. Requesting; After receiving the request for payment of the retransaction amount of the IC card, the SAM increases the transaction amount information having the electronic money company ID and the card issuer ID of the IC card for the non-contact electronic money that is currently performing the payment re-transaction procedure. Transmitting the individual transaction details and individual transaction details signatures including the received card authentication information, SAM ID, and transaction amount information to the reader; And storing, by the reader, the individual transaction details and the individual transaction history signatures in a storage device inside the reader.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in detail the present invention.

2 is a schematic diagram of an electronic payment system using an IC card for contactless electronic money according to the present invention. Referring to Figure 2, the electronic payment system according to the present invention, a plurality of different non-contact type electronic money IC cards (300,301) issued by different electronic money companies and different card issuers, for the non-contact electronic money A reader 200 for recognizing IC cards 300 and 301 and communicating with the IC cards 300 and 301 for contactless electronic money and the different electronic money companies store keysets and store the keysets using the stored keysets. It consists of a SAM (100) for performing mutual authentication with the IC card (300.301) for money and for storing transaction value information of the IC card (300,301).

Figure 3 illustrates one embodiment of a SAM configuration for storing the keyset and transaction amount information according to the present invention. As shown in FIG. 3, in the SAM 100 according to the present invention, each ID is assigned to a plurality of electronic money companies to be divided by the electronic money company IDs 110 and 120, and the actual mode keysets used for authentication in actual transactions. (111,121) and test mode keysets 112,122 used for authentication in test transactions.

In addition, the transaction amount information (114, 116, 124, 126) is divided into each of the card issuer ID (113, 115, 123, 125) is divided into the electronic money company ID (110, 120) as described above, the transaction amount information stored in the SAM (100) by the collection system A total transaction collection counter 1141 for recording the number of readings, the individual transaction collection number 1142 for recording the number of times the SAM 100 receives the transaction amount from the IC card 300,301 for contactless electronic money), and The SAM 100 includes data including a cumulative transaction total amount 1143 accumulated in a transaction amount received from an IC card 300 or 301 for a non-contact electronic money.

4 is a flowchart illustrating a card payment transaction procedure in an electronic payment system using a contactless electronic money IC card according to the present invention. Referring to FIG. 4, first, the reader 200 recognizes the approach of the non-contact type electronic money IC card 300 issued from different electronic money companies and different card issuers (401), and the contactless type. The card payment transaction is requested to start by transmitting data including the transaction amount to the IC card 300 for electronic money (402). Upon receiving the card payment transaction start request, the IC card 300 for contactless electronic money performs card balance check, card transaction counter increase, session key generation, and signature generation for card authentication using the session key (403). .

Subsequently, the non-contact type electronic money IC card 300 uses encryption algorithm information, keyset version information, card balance information, electronic money company ID, card issuer ID, card ID, transaction counter of the card, transaction amount, etc. used for authentication. The card authentication information and the card authentication signature made to include a transmission to the reader 200 (404), the reader 200 for the card authentication transmitted from the contactless electronic money IC card 300 By transmitting the information and the signature for card authentication to the SAM 100, the SAM 100 is requested to authenticate the IC card 300 (405). Upon receiving the authentication request of the IC card 300, the SAM 100 confirms algorithm information, keyset version information, and electronic money company ID, generates a payment transaction key and a session key, and uses the session key to sign a card for authentication. It verifies the SAM transaction counter, increments the SAM transaction counter, generates a signature for SAM authentication, records the transaction log, and performs a change of the SAM state information with information that determines whether the SAM is in normal termination or in transaction (406).

Subsequently, the reader 100 receives the SAM authentication information and the SAM authentication information signature including SAM status information including a SAM ID, a SAM transaction counter, and information for determining whether the SAM is normally terminated or in transit. And the reader 200 transmits the transmitted SAM authentication information and SAM authentication information signature back to the contactless electronic money IC card 300, thereby transmitting the contactless electronic money IC. The card 300 requests authentication of the SAM 100 (408). Upon receiving the authentication request from the SAM 100, the IC card 300 for a non-contact electronic money performs signature verification for SAM authentication, card balance reduction, transaction amount payment signature, and transaction log recording (409).

Subsequently, the contactless electronic money IC card 300 transmits a transaction amount payment signature to the reader 200 (410), and the reader 200 transmits the transaction amount payment signature to the SAM 100. As a result, a transaction amount payment command is transmitted to the SAM 100 (411). Upon receiving the transaction amount payment command of the card, the SAM 100 verifies the transmitted transaction amount payment signature and performs the electronic payment company ID and card of the IC card 300 for contactless electronic money, which is currently performing a payment transaction procedure. The transaction amount information having the issuer ID is incremented, an individual transaction history is generated, and the individual transaction history signature is generated (412). Thereafter, the SAM 100 transmits the individual transaction history and the individual transaction history signature including the received card authentication information, the SAM ID, and the transaction amount information to the reader 200 to respond to the normal termination of the transaction ( 413, the reader 200 stores the individual transaction details and individual transaction history signatures in a storage device inside the reader 200 (414).

5 is a flowchart illustrating a card payment re-transaction procedure in an electronic payment system using a contactless electronic money IC card according to the present invention. Referring to FIG. 5, first, the reader 200 receiving the payment re-transaction procedure start request 501 from the SAM 100 pays the IC card 300 for the non-contact electronic money 300, which performed the previous payment transaction procedure. Request to start a re-transaction (502). The IC card 300 for the non-contact electronic money received the payment re-transaction start request increases the card transaction counter, generates a session key, and generates a signature for payment re-transaction using the generated session key (503). ). Subsequently, the non-contact type electronic money IC card 300 uses encryption algorithm information, keyset version information, card balance information, electronic money company ID, card issuer ID, card ID, transaction counter of the card, and transaction amount used for authentication. The card transaction information, including the SAM ID, the transaction amount immediately before the current transaction with the current card, the previous transaction log including the last card transaction counter, and the signature for repayment of the transaction. The reader 200 transmits the card authentication information, the previous transaction log, and the payment re-transaction signature to the SAM 100, by sending it to the reader 200 (504). Request payment re-transaction authorization (505).

Upon receiving the payment re-transaction authentication request of the card, the SAM 100 checks the usage algorithm information, the keyset version information and the electronic money company ID, and checks the status information of the SAM having information for determining whether the SAM is normally terminated or in transaction. Create a payment transaction key and session key, use the session key to verify the signature for payment re-transaction, verify the previous transaction log match, increment the SAM transaction counter, generate the signature for SAM authentication, record the transaction log, Change the state information (506). Subsequently, the reader (100) receives the SAM authentication information and SAM authentication information signature including SAM status information including a SAM ID, a SAM transaction counter, and information for determining whether the SAM is normally terminated or in transit. In step 507, the reader 200 transmits the SAM authentication information and the SAM authentication information signature to the contactless electronic money IC card 300, thereby transmitting the contactless electronic money IC card 300. Request the authentication of the SAM 100 to the 508.

Subsequently, the non-contact electronic money IC card 300 receiving the authentication request of the SAM 100 verifies the signature for SAM authentication, maintains the balance without deducting the balance by the transaction amount, generates a transaction amount payment signature, and performs a transaction. After recording the log (509), by sending the re-transaction amount payment signature to the reader 200 (510), the reader 200 then forwards the re-transaction amount payment signature to the SAM (100), The retransaction amount payment command is transmitted to the SAM (511).

Subsequently, the SAM 100 receiving the re-transaction amount payment command of the card verifies the re-transaction amount payment signature and performs the current payment re-transaction procedure. After increasing the transaction amount information having a card issuer ID, generating an individual transaction history and generating an individual transaction history signature (512), the received card authentication information, SAM ID, and transaction amount information are made. Responding to normal termination of the transaction by sending an individual transaction history and an individual transaction history signature to the reader 200 (513), the reader 200 sends the individual transaction history and individual transaction history signatures to a storage device within the reader. Store (514).

6 is a detailed operation flowchart of a contactless electronic money IC card performing a payment transaction procedure in the electronic payment system according to the present invention. When the contactless electronic money IC card 300 receives a card payment start request (601), the IC card 300 compares the card balance with the transaction amount (602) and an error if the card balance is smaller than the transaction amount. Processing (612), on the contrary, if the card balance is greater than or equal to the transaction amount, increase the transaction counter of the IC card 300 (603), generate a session key for use in the current payment transaction procedure; 604, a card authentication signature for card authentication information is generated using the session key (605), and a card authentication request command is transmitted to the SAM 100 through the reader 200 (606). If a SAM authentication request is not received from the reader 200 (607), error processing is performed (612). However, when the SAM authentication request is received from the reader 200 (607), it is determined whether the received SAM authentication signature matches the self-generated SAM authentication signature, that is, the SAM authentication signature is verified (608). ). If the two signatures do not match as a result of the determination in the step 608, error processing is performed (612). If the two signatures match in the determination of the match in the step 608, the card balance is reduced by the amount of the transaction. In operation 609, a transaction value payment signature including data including a SAM ID, a SAM transaction counter, and card balance information is generated using the session key (610), and a transaction log is recorded (S611).

As shown in FIG. 6, the process of the card balance verification step 602, the SAM authentication request reception step 607, or the SAM signature verification step 608, to perform the error processing step 612 is described above. It indicates that an error has occurred without performing the normal procedures 602 to 611, and the performance of the error processing is out of the technical scope of the present invention, and thus description thereof is omitted.

7 is a detailed operation flowchart of a SAM performing a payment transaction procedure in an electronic payment system according to the present invention. When the SAM 100 receives the card authentication request (701), it is determined whether the received usage algorithm information, the keyset information, and the electronic money company ID information match the information stored in itself (702). Perform 718. However, if the result of the determination matches, a payment transaction key is generated from the unique key of the SAM that matches the value held by the counterpart card performing the current payment transaction procedure (703), and the session key used in the current payment transaction procedure is generated. In operation 704, the session key determines whether the signature for the card authentication generated by the SAM matches the signature for the received card authentication using the session key (705). If it is determined in step 705 that the two signatures do not match, error processing is performed (718). On the contrary, if the two signatures match, the SAM transaction counter is incremented (706), and the SAM ID, Generate a signature for the SAM authentication information consisting of data including SAM transaction counters and SAM status information (707), record transaction logs (708), change SAM status information (709), and issue SAM authentication request commands Transfer to the card via the reader (710).

Thereafter, it is determined whether a transaction amount payment command transmitted from the IC card 300 is received through the reader 200 (711). If the transaction amount payment command has not been received in step 711, a payment re-start transaction request is transmitted (717). However, if the transaction amount payment command is received in step 711, the transaction amount payment signature for determining whether or not the transaction value payment signature that is generated and the received transaction amount payment signature is verified is verified (712). If the two signatures do not match, the payment retransmission start request is transmitted (717). If the two signatures match, on the contrary, the transaction amount information having the electronic money company ID and the card issuer ID of the corresponding card. Increase 713, generate individual transaction details (714), generate signatures for individual transaction details (715), and transmit the individual transaction details and individual transaction history signatures (716).

Here, in step 717, a payment re-start transaction request is performed to the IC card 300 through the reader 200.

8 is a detailed operation flowchart of a contactless electronic money IC card for performing a payment re-transaction procedure in the electronic payment system according to the present invention. When the non-contact electronic money IC card 300 according to the present invention receives a payment re-transaction request (801), the transaction counter of the IC card 300 is incremented (802) and used during the current payment re-transaction procedure. A session key is generated (803), a signature for payment re-transaction information is generated using the generated session key (804), and a payment re-transaction request command is transmitted to the reader (200) (805). Subsequently, it is determined whether a SAM authentication request is received from the reader 200 (806). If not, error processing is performed (811). If it is received, the received SAM authentication signature and a self-generated SAM authentication request are received. The signature for SAM authentication, which determines whether the signature matches, is verified (807). If the two signatures are inconsistent as a result of the verification in step 807, error processing is performed (811), and if the two signatures match in the verification result in step 807, the card balance is maintained (808). Data including a SAM ID, SAM transaction counter, and card balance information is generated using the session key to generate a re-transaction amount payment signature (809), and a transaction log is recorded (810).

9 is a detailed operation flowchart of a SAM performing a payment retransaction procedure in an electronic payment system according to the present invention. When the SAM 100 according to the present invention receives the payment re-transaction authentication request (901), it checks whether the status information of the SAM is an error in the transaction (902), and if the error is not an error in the transaction, the payment re-transaction procedure In operation 921, if the check result is an error during the transaction, it is determined whether the received usage algorithm information, the keyset information, and the electronic money company ID information coincide with the values stored therein (903). If the matching result of the step 903 does not match, error processing is performed (921). On the contrary, if the matching result of the step 903 matches, the counter card performing the current payment transaction procedure from the SAM's unique key is executed. A payment transaction key that matches the held value is generated (904), and a session key used in the current payment re-transaction procedure is generated (905).

Subsequently, the SAM determines whether the payment re-transaction signature generated by the SAM coincides with the received payment re-transaction signature using the generated session key (906). If the two signatures do not match as a result of the determination of conformity of the step 906, error processing is performed (921). In operation 907, the transaction log match checker 907 determines whether the card performing the transaction is the card that performed the immediately preceding transaction procedure. If it is determined that the match in step 907 does not match, error processing is performed (921). If the match is reversed, the SAM transaction counter is incremented (908), and the SAM key, SAM transaction counter, and SAM state are used by using the session key. Create a signature for the SAM authentication information consisting of data including information (909), record transaction logs (910), change SAM status information (911), and send SAM authentication request commands to the card via the reader (912).

Thereafter, it is determined whether a re-transaction amount payment command received from the IC card 300 is received through the reader 200 (913). If the result of the determination is not received, the number of re-transaction attempts is attempted. If it is less than or equal to the threshold, the payment retransmission start request is transmitted to the IC card 300 through the reader 200 (920). If the number of retransaction attempts exceeds the threshold, error processing is performed (921). However, when the determination result of the step 913 receives the re-transaction amount payment command, it is determined whether the re-transaction amount payment signature that is generated and the received re-transaction amount payment signature match (914), and the determination result. If the two signatures do not match, the process proceeds to step 919. If the two signatures match, the transaction value information having the electronic money company ID and the card issuer ID of the card is increased. (915) Generates individual transaction details (916), generates signatures for individual transaction details (917), and transmits a transaction normal response that transmits the individual transaction details and individual transaction history signatures (918).

It will be easily understood by those skilled in the art that the above detailed description and the contents of the drawings are disclosed as one embodiment of the present invention, and the changes, substitutions, or modifications can be made without departing from the technical spirit of the present invention. .

Therefore, the scope of the present invention should be determined by the appended claims rather than being limited to the above description and drawings.

As described above, according to the present invention, in the electronic payment transaction of a plurality of different contactless electronic money IC cards issued by different electronic money companies and different card issuers, only one SAM can be used for various types of contactless electronic money. There is an advantage that a payment transaction procedure with an IC card can be performed.

In addition, since a plurality of SAMs are not required for each electronic money company, when configuring an electronic payment system using a non-contact type electronic money IC card, the reader does not need a separate space for attaching a plurality of existing SAMs. There is an advantage that can reduce the cost required to configure.

Claims (19)

A plurality of different contactless electronic money IC cards issued by a plurality of different electronic money companies and a plurality of different card issuers; A reader for recognizing the contactless electronic money IC card and communicating with the contactless electronic money IC card; And Each of the different electronic money companies is stored separately, and the corresponding keyset is stored, and mutual authentication with the non-contact type electronic money IC card is performed using the keysets, and the different electronic money companies are different from each other. SAM for classifying each card issuer and storing and managing corresponding transaction amount information; Electronic payment system using a non-contact type electronic money IC card comprising a. The IC card of claim 1, wherein the contactless electronic money IC card comprises: When the card payment transaction request is received from the reader, the card authentication information and the card authentication signature are transmitted to the SAM through the reader to request authentication of the IC card. Electronic payment system using a non-contact electronic money IC card, characterized in that for transmitting the transaction amount payment signature to the SAM to transmit a transaction amount payment command. The method of claim 1, wherein the SAM, Upon receiving the authentication request of the IC card transmitted from the contactless electronic money IC card, SAM authentication information and SAM authentication information signature are transmitted to the IC card through the reader to request authentication of the SAM. The electronic payment system using the contactless electronic money IC card, characterized in that for receiving a transaction amount payment command, the individual transaction details and individual transaction history signatures of the card are transmitted to the reader. The method of claim 1, wherein the keyset, And a test mode keyset used for a test transaction between the real mode keyset used for an actual transaction with the contactless electronic money IC card and the contactless electronic money IC card. Electronic payment system using IC card. The method of claim 1, wherein the transaction amount information, Total transaction collection counter that records the number of reading transaction amount information stored in the SAM, individual transaction collection number that records the number of times that the SAM received the transaction amount from the IC card for contactless electronic money and the SAM contactless electronic Electronic payment system using a non-contact electronic money IC card, characterized in that it comprises a cumulative total transaction amount accumulated in the transaction amount received from the money IC card. In the electronic payment method using an IC card for contactless electronic money, When the reader recognizes a contactless electronic money IC card issued by a plurality of different electronic money companies and a plurality of different card issuers, a card payment transaction is performed by transmitting data including a transaction amount to the contactless electronic money IC card. Requesting first step; The non-contact type electronic money IC using the key set of the non-contact type electronic money IC card matching the key set divided by the plurality of electronic money companies and the same with the key set classified by the plurality of electronic money companies in the SAM. A second step of performing mutual authentication between the card and the SAM; And A third step of, after the mutual authentication is completed, the non-contact type electronic money IC card subtracts the balance by the transaction amount and the SAM increases the transaction amount information divided into the electronic money company and the card issuer by the transaction amount; Electronic payment method using a non-contact type electronic money IC card comprising a. The method of claim 6, If the balance of the contactless electronic money IC card is deducted due to a communication error in the third step and the transaction amount information divided into the electronic money company and the card issuer in the SAM is not increased, the contactless electronic money for And maintaining the balance of the IC card in the deducted state and retrying the increase of the transaction amount information divided into the electronic money company and the card issuer in the SAM. Electronic payment method using a card. The method of claim 6, wherein the keyset, An IC card for contactless electronic money, comprising: a real mode keyset used for an actual transaction with an IC card for a contactless electronic money; and a test mode keyset for a test transaction with an IC card for a contactless electronic money. Electronic payment method using. The method of claim 6, wherein the second step, The contactless electronic money IC card generates a card authentication signature using a keyset of the IC card, and transmits the generated card authentication signature and card authentication information to the SAM through the reader to request card authentication. A fifth step of doing; The SAM verifies the signature for card authentication, generates the signature for SAM authentication using the key set of the SAM, and generates the generated SAM authentication signature and SAM authentication information through the reader for the contactless electronic money IC. Transmitting the card to the card to request SAM authentication; And The seventh step of verifying the SAM authentication signature by the contactless electronic money IC card; Electronic payment method using a non-contact type electronic money IC card comprising a. The method of claim 9, wherein the fifth step, Before the contactless electronic money IC card transmits the card authentication information and the card authentication signature, Checking whether the card balance is greater than the transaction amount received through the reader; Incrementing a card transaction counter for a card payment transaction if the balance of the card is greater than the transaction amount; Generating a session key used in a current payment transaction procedure; And Generating the card authentication signature using the generated session key; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 9, wherein the sixth step is Before the SAM sends the SAM credentials and SAM credentials signature, Checking the received card authentication information and confirming whether the received card authentication information including the received usage algorithm information, the keyset information, and the electronic money company ID information matches the information stored in the SAM; Generating a payment transaction key from the unique key of the SAM by matching with a value held by the counterpart card performing the current payment transaction procedure; Generating a session key used in the current payment transaction procedure; Verifying the card authentication signature by checking whether the SAM self-generated signature for card authentication and the received card authentication signature match using the session key; Incrementing the transaction counter of the SAM; Generating a SAM authentication signature for SAM authentication information including a SAM ID, a SAM transaction counter, and SAM status information using the session key; Recording a transaction log; And Changing SAM state information having information for determining whether the SAM is normally terminated or in transaction; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 6, wherein the third step, An eighth step of, when the mutual authentication is completed, the contactless electronic money IC card subtracting the balance of the card by the transaction amount and generating a transaction amount payment signature to request payment of the transaction amount to the SAM through the reader; The SAM verifies the transmitted transaction value payment signature, increments transaction value information, generates an individual transaction history and an individual transaction history signature, and responds to the transaction termination with the reader; And The reader (10) storing the individual transaction details and the individual transaction details signatures; Electronic payment method using a non-contact type electronic money IC card comprising a. The method of claim 12, wherein the eighth step is Before the contactless electronic money IC card transmits a transaction value payment signature, Verifying the SAM authentication signature by checking whether the received SAM authentication signature and the IC card's self-generated SAM authentication signature match; Reducing the card balance by the transaction amount if the signature for SAM authentication is verified; Generating a transaction value payment signature consisting of data including SAM ID, SAM transaction counter, and card balance information using the session key; And Recording a transaction log; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 12, wherein the ninth step is Before the SAM sends the individual transaction history and individual transaction history signature, Verifying the transaction value payment signature by checking whether the received transaction value payment signature and the SAM-generated transaction value payment signature match; Increasing transaction amount information having an electronic money company ID and a card issuer ID of a contactless electronic money IC card that is currently performing a payment transaction procedure; Generating individual transaction details including card authentication information, SAM ID, and transaction amount information; And Generating an individual transaction history signature; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 6, When the reader receives a payment retransaction request from the SAM, An eleventh step of requesting a payment re-transaction to a contactless electronic money IC card that has performed a previous payment transaction procedure; The non-contact electronic money IC card receiving the payment re-transaction start request transmits the card authentication information, the previous transaction log, and the payment re-transaction signature to the SAM through the reader to the SAM by recognizing the payment re-transaction with the reader. Requesting a twelfth step; The SAM receiving the authentication request of the IC card transfers the SAM authentication information and the SAM authentication information signature to the contactless electronic money IC card through the reader to request authentication of the SAM from the contactless electronic money IC card. A thirteenth step; After receiving the authentication request of the SAM, the non-contact electronic money IC card maintains the balance as much as the transaction amount, and then transfers the transaction value payment signature to the SAM through the reader to pay the transaction amount to the SAM. Requesting a fourteenth step; After receiving the request for payment of the retransaction amount of the IC card, the SAM increases the transaction amount information having the electronic money company ID and the card issuer ID of the contactless electronic money IC card that is currently performing the payment re-transaction procedure. A fifteenth step of transmitting individual transaction details and individual transaction history signatures including the received card authentication information, SAM ID, and transaction amount information to the reader; And A sixteenth step of the reader storing the individual transaction details and the individual transaction details signatures in a storage device inside the reader; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 15, wherein the twelfth step, Before the contactless electronic money IC card transmits the card authentication information, the previous transaction log and the signature for payment re-transaction, Incrementing a card transaction counter for payment transactions and retransactions; Generating a session key used in a current re-transaction procedure; And Generating a signature for payment retransmission authentication using the session key; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 15, wherein the thirteenth step is Before the SAM sends the SAM authentication information and the SAM authentication signature, Checking whether the state information of the SAM is an error during a transaction; Verifying the card authentication information by checking whether the card authentication information including the received usage algorithm information, the keyset information, and the electronic money company ID information matches the value stored in the SAM; Generating a payment transaction key from the unique key of the SAM that matches the value held by the counterpart card performing the current payment re-transaction procedure; Generating a session key used in a current payment retransaction procedure; Verifying the payment retransaction signature by checking whether the SAM self-generated payment retransaction signature and the received payment retransaction signature match using the session key; Checking whether the current transaction log matches the current transaction card by checking whether the current SAM transaction card is a previous transaction procedure card; Incrementing a SAM transaction counter if the last transaction log matches; Generating a signature for SAM authentication information including data including SAM ID, SAM transaction counter, and SAM status information using the session key; Recording a transaction log; And Changing SAM state information with information determining whether the SAM is normally terminated or in transit; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 15, wherein the fourteenth step is Before the IC card for contactless electronic money transmits the recurring payment payment signature, Verifying a signature for SAM authentication by checking whether the received SAM authentication signature and the IC card have a self-generated SAM authentication signature; Maintaining the balance of the IC card in a subtracted state; Generating a retransaction amount payment signature including data including SAM ID, SAM transaction counter and card balance information using the generated session key; And Recording a transaction log; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises. The method of claim 15, wherein the fifteenth step is Before the SAM sends the individual transaction history and individual transaction history signature, Verifying a re-transaction amount payment signature by confirming that the received re-transaction amount payment signature matches the retransaction amount payment signature generated by the SAM; Increasing transaction amount information having an electronic money company ID and a card issuer ID of a contactless electronic money IC card that is currently performing a payment re-transaction procedure; Generating individual transaction details including the received card authentication information, SAM ID, and transaction amount information; And Generating an individual transaction history signature; Electronic payment method using a non-contact type electronic money IC card, characterized in that it further comprises.