certification and payment card, system using the certification and payment card and method thereof

The present invention provides a payment system and method using the same, and the authentication / payment card, the card user number that is automatically updated. First, the buyer receives provides the card user number via the payment cards, payment cards provide if the password input matches the password stored in advance only for the card PIN or card user number if there are encrypted provides decrypts the encrypted user card number using the input secret number. Next, the commerce and once the payment is requested for the certification number or the card's number above from the seller of Commerce System (shopping malls), authentication / billing system receives an authentication / billing authorization for the card PIN number sent to the Commerce System the so finally it made of. And the authentication / billing systems and so has made the certification / trading card with a new PIN during the transaction after sending the card user number to change to a new number to the buyer's payment card. Thus, the following certificates / transactions, the effect can be obtained that can fundamentally protect the card referred to a card user even if the user number to fraudulently acquire by allowing the user to use a different card number. VAN, your card number, card user's personal identification number, e-commerce, LCD