Payment module, payment method, program, and information recording medium

A payment method to perform contactless payment between an external source and user terminal, the user terminal comprising at least one memory operable to store a plurality of applications, and at least one processor operable to read program code in the plurality of applications and operate as instructed by the program code, wherein the at least one processor is a hardware processor, the payment method comprising:

• providing a plurality of electronic value applications (EV-Apps) and a utility electronic value application (UEV-App) in the plurality of applications;
• accessing, by an external source, any one of the EV-Apps to perform contactless payment between the external source and the accessed EV-App;
• and
• if a balance of the accessed EV-App is insufficient for the contactless payment,
• accessing, by the accessed EV-APP, first information relating to an electronic value of an EV-App, wherein the accessed EV-App comprises the first information and a first encryption key for accessing the UEV-App;
• executing, by the accessed EV-APP, first authentication based on the first encryption key to access the UEV-App;
• performing the UEV-App to access second information relating to an electronic value of the UEV-App, wherein the UEV-App comprises the second information and second encryption keys for accessing the plurality of EV Apps;
• and
• executing, by the UEV App, second authentication based on the second encryption keys to access at least one EV-App from among the plurality of EV-Apps except the accessed EV-App, referring and/or updating the first information of the at least one EV-App, and reloading a balance of the UEV-App,
• wherein if the first authentication and second authentication are successful, the balance of the accessed EV-App is reloaded by the UEV-App, and
• wherein the contactless payment is executed after the balance of the accessed EV-App is reloaded.