User equipment for reverse NFC payment, terminal, system and control method

Provided are user equipment for reverse NFC payment, an NFC payment terminal, a reverse NFC payment system including the same, and a control method thereof. That is, according to the present invention, since user equipment operates as a reader/writer and an NFC payment terminal (or POS terminal) operates as a card so as to execute a payment function, it is possible to simplify a payment process and thus possible to improve satisfaction of a user. Further, it is possible to autonomously provide a mobile card service without making an alliance or settling costs with a mobile carrier or mobile phone manufacturer. Thus, it is possible to unify customer management and also reduce costs required to issue cards. 本发明公开反向NFC支付用户装置及终端、系统及控制方法。即，本发明中，用户装置作为读写装置(reader/writer)进行动作，NFC支付终端(或POS终端)作为卡而进行动作，从而执行支付功能，从而能够简化支付功能处理步骤而提高用户的满意度，并且在没有与通信公司或手机制造商之间的关联或成本核算的情况下能够自主地提供移动卡服务，能够将客户管理统化，并减少卡发布所需的费用。