A payment information input method and mobile commerce system using symmetric cipher system

Financial information input method and a mobile communication commerce system using a symmetric key security algorithm is to built-in to increase the security of the financial information in the portable mobile communication terminal of the optical transceiver attached to a payment by using this commerce. The present invention provides card issuers apply when using an encryption key to electronic purse control number of the client terminal to encrypt financial information such as account number and expiration date as the symmetric key algorithms, direct the encrypted financial information to the customer's electronic purse terminals for input or inputs via a communication network. Further, (group or card reference) The present invention is of the type for for when commerce using the encrypted financial data embedded mobile terminal payment their electronic wallet management number encrypted financial information and the management number, the merchant POS terminal light transmitted by, and by using an electronic wallet for the control number received from the POS terminal (or a group card reference) which receives this, it decrypts the encrypted financial information to the management number. Thus, the effect of which would make the present invention alahdo the encryption algorithm management number for the customer's e-wallet does not leak can not be used for customer financial information, can be used to fundamentally replication as compared with conventional magnetic or plastic in the form of cards It represents. In addition, by the collection of the role of electronic wallet, place the device where the personal financial information of increasing consumer convenience, providing an effect that can be employed in all areas where the presence of the card, such as credit card or bank payment cards, access cards apply do. Financial information, mobile communication terminals, electronic purses, managed code, encryption, decryption, security, symmetric keys, e-commerce, phone number,