Electronic device and method for processing remote payment

A method in which an electronic device makes a payment, the method comprising:

• establishing a first wireless connection with an external mobile device through a first wireless communication circuit;
• storing a common identification (ID) associated with the external mobile device;
• receiving a payment request in a state where the first wireless connection through the first wireless communication circuit is disconnected;
• receiving a user input;
• in response to receiving the user input, performing a user authentication;
• when the user authentication is successful, transmitting a first request for an authentication token to a first external server through a second wireless communication circuit;
• receiving a first response including the authentication token from the first external server through the second wireless communication circuit;
• after receiving the first response, transmitting a second request for a transaction token to the external mobile device through the second wireless communication circuit;
• receiving a second response including the transaction token from the external mobile device through the second wireless communication circuit;
• and
• transmitting a payment signal including the transaction token to an external device.

An electronic device comprising:

• a first wireless communication circuit configured to establish a first wireless connection with an external mobile device;
• a second wireless communication circuit configured to wirelessly access an internet;
• a processor operatively connected to the first wireless communication circuit and the second wireless communication circuit;
• and
• a memory operatively connected to the processor,
• wherein the memory stores instructions that, when executed, cause the processor to:
• establish the first wireless connection with the external mobile device through the first wireless communication circuit,
• share a common identification (ID) with the external mobile device through the first wireless communication circuit,
• while the first wireless connection is interrupted, receive a first request for a transaction token from the external mobile device through the second wireless communication circuit,
• in response to receiving the first request, transmit a second request for the transaction token to a first external server through the second wireless communication circuit,
• receive a first response including the transaction token from the first external server through the second wireless communication circuit, and
• in response to receiving the first response, transmit a second response including the transaction token to the external mobile device through the second wireless communication circuit.