Patent Publication Number: US-2019172051-A1

Title: Electronic device and method for processing remote payment

Description:
CROSS-REFERENCE TO RELATED APPLICATION(S) 
     This application is based on and claims priority under 35 U.S.C. § 119(a) of a Korean patent application number 10-2017-0163987, filed on Dec. 1, 2017, in the Korean Intellectual Property Office, the disclosure of which is incorporated by reference herein in its entirety. 
     BACKGROUND 
     1. Field 
     The disclosure relates to a technology for processing a remote payment. 
     2. Description of Related Art 
     Due to the development of an information technology (IT) technology, an electronic device has significantly superior functions and provides a user with various functions. Nowadays, financial technology (hereinafter referred to as “Fin-tech”) that is a combination of a finance technology and the IT technology gets attention. The Fin-tech evaluated as the financial paradigm shift is extending its boundary to the provision of the financial/payment service and the establishment of a finance/payment platform in an off-line, as well as an on-line financial service of the related art. 
     For example, manufacturers of electronic devices make various efforts to the establishment of a payment system platform, the spread of a mobile payment service, and the like through the cooperation of a credit card issuer or a bank. 
     The above information is presented as background information only to assist with an understanding of the disclosure. No determination has been made, and no assertion is made, as to whether any of the above might be applicable as prior art with regard to the disclosure. 
     SUMMARY 
     Aspects of the disclosure are to address at least the above-mentioned problems and/or disadvantages and to provide at least the advantages described below. Accordingly, an aspect of the disclosure is to provide an electronic device and a payment method for making a payment even though the electronic device is not connected to a host electronic device through a short range communication network. 
     The payment function using a wearable electronic device is being provided for a convenient mobile payment service. However, the payment function using the wearable electronic device of the related art has been required to make a Bluetooth communication connection with a connectable host electronic device for the purpose of security and the like. 
     As a result, a user needs to carry the host electronic device to use the payment function of the wearable electronic device. 
     Additional aspects will be set forth in part in the description which follows and, in part, will be apparent from the description, or may be learned by practice of the presented embodiments. 
     In accordance with an aspect of the disclosure, an electronic device is provided. The electronic device includes 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 user interface, a processor operatively connected to the first wireless communication circuit, the second wireless communication circuit, and the user interface, and a memory operatively connected to the processor. The memory stores instructions that, when executed, cause the processor to, when a payment request occurs while the first wireless connection is interrupted, receive a user input through the user interface, in response to receiving the user input, perform a user authentication, when the user authentication is successful, transmit a first request for an authentication token to a first external server through the second wireless communication circuit, receive a first response including the authentication token from the first external server through the second wireless communication circuit, after receiving the first response, transmit a second request for a transaction token to the external mobile device through the second wireless communication circuit, and receive a second response including the transaction token from the external mobile device through the second wireless communication circuit. 
     In accordance with another aspect of the disclosure, a method in which an electronic device makes a payment is provided. The method includes 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. 
     In accordance with another aspect of the disclosure, an electronic device is provided. The electronic device includes 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. 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. 
     In accordance with another aspect of the disclosure, an electronic device may receive transaction data by using an Internet network, and thus the electronic device radiating a payment signal may make a payment even though being far away from a host electronic device. 
     In accordance with another aspect of the disclosure, transaction data may be transmitted or received securely even through the electronic device uses an Internet network. 
     Besides, a variety of effects directly or indirectly understood through the disclosure may be provided. 
     Other aspects, advantages, and salient features of the disclosure will become apparent to those skilled in the art from the following detailed description, which, taken in conjunction with the annexed drawings, discloses various embodiments of the disclosure. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The above and other aspects, features, and advantages of certain embodiments of the disclosure will be more apparent from the following description taken in conjunction with the accompanying drawings, in which: 
         FIG. 1  is a block diagram of an electronic device in a network environment according to an embodiment of the disclosure; 
         FIG. 2  illustrates an environment in which a payment transaction is made according to an embodiment of the disclosure; 
         FIG. 3  illustrates a block diagram of an electronic device according to an embodiment of the disclosure; 
         FIG. 4  is a flowchart illustrating a procedure of performing a payment according to an embodiment of the disclosure; 
         FIG. 5  is a flowchart illustrating a procedure in which a first electronic device and a second electronic device establish a second wireless communication according to an embodiment of the disclosure; 
         FIG. 6  is a flowchart illustrating a procedure in which a communication scheme of a second electronic device is changed according to an embodiment of the disclosure; 
         FIG. 7  is a flowchart illustrating an operation performed by a first electronic device to make a payment according to an embodiment of the disclosure; 
         FIG. 8  is a flowchart illustrating an operation performed by a second electronic device to make a payment according to an embodiment of the disclosure; 
         FIG. 9  illustrates a screen for setting an electronic device, a transaction token request of which is to be approved, according to an embodiment of the disclosure; and 
         FIG. 10  illustrates a screen displayed when an electronic device receives a transaction token request according to an embodiment of the disclosure. 
     
    
    
     Throughout the drawings, it should be noted that like reference numbers are used to depict the same or similar elements, features, and structures. 
     DETAILED DESCRIPTION 
     The following description with reference to the accompanying drawings is provided to assist in a comprehensive understanding of various embodiments of the disclosure as defined by the claims and their equivalents. It includes various specific details to assist in that understanding but these are to be regarded as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the various embodiments described herein can be made without departing from the scope and spirit of the disclosure. In addition, descriptions of well-known functions and constructions may be omitted for clarity and conciseness. 
     The terms and words used in the following description and claims are not limited to the bibliographical meanings, but, are merely used by the inventor to enable a clear and consistent understanding of the disclosure. Accordingly, it should be apparent to those skilled in the art that the following description of various embodiments of the disclosure is provided for illustration purpose only and not for the purpose of limiting the disclosure as defined by the appended claims and their equivalent. 
     It is to be understood that the singular forms “a,” “an,” and “the” include plural referents unless the context clearly dictates otherwise. Thus, for example, reference to “a component surface” includes reference to one or more of such surfaces. 
       FIG. 1  is a block diagram of an electronic device in a network environment according to an embodiment of the disclosure. 
     Referring to  FIG. 1 , an electronic device  101  may communicate with an electronic device  102  through a first network  198  (e.g., a short-range wireless communication) or may communicate with an electronic device  104  or a server  108  through a second network  199  (e.g., a long-distance wireless communication) in a network environment  100 . According to an embodiment, the electronic device  101  may communicate with the electronic device  104  through the server  108 . According to an embodiment, the electronic device  101  may include a processor  120 , a memory  130 , an input device  150 , a sound output device  155 , a display device  160 , an audio module  170 , a sensor module  176 , an interface  177 , a haptic module  179 , a camera module  180 , a power management module  188 , a battery  189 , a communication module  190 , a subscriber identification module  196 , and an antenna module  197 . According to some embodiments, at least one (e.g., the display device  160  or the camera module  180 ) among components of the electronic device  101  may be omitted or other components may be added to the electronic device  101 . According to some embodiments, some components may be integrated and implemented as in the case of the sensor module  176  (e.g., a fingerprint sensor, an iris sensor, or an illuminance sensor) embedded in the display device  160  (e.g., a display). 
     The processor  120  may operate, for example, software (e.g., a program  140 ) to control at least one of other components (e.g., a hardware or software component) of the electronic device  101  connected to the processor  120  and may process and compute a variety of data. The processor  120  may load a command set or data, which is received from other components (e.g., the sensor module  176  or the communication module  190 ), into a volatile memory  132 , may process the loaded command or data, and may store result data into a non-volatile memory  134 . According to an embodiment, the processor  120  may include a main processor  121  (e.g., a central processing unit or an application processor) and an auxiliary processor  123  (e.g., a graphic processing device, an image signal processor, a sensor hub processor, or a communication processor), which operates independently from the main processor  121 , additionally or alternatively uses less power than the main processor  121 , or is specified to a designated function. In this case, the auxiliary processor  123  may operate separately from the main processor  121  or embedded. 
     In this case, the auxiliary processor  123  may control, for example, at least some of functions or states associated with at least one component (e.g., the display device  160 , the sensor module  176 , or the communication module  190 ) among the components of the electronic device  101  instead of the main processor  121  while the main processor  121  is in an inactive (e.g., sleep) state or together with the main processor  121  while the main processor  121  is in an active (e.g., an application execution) state. According to an embodiment, the auxiliary processor  123  (e.g., the image signal processor or the communication processor) may be implemented as a part of another component (e.g., the camera module  180  or the communication module  190 ) that is functionally related to the auxiliary processor  123 . The memory  130  may store a variety of data used by at least one component (e.g., the processor  120  or the sensor module  176 ) of the electronic device  101 , for example, software (e.g., the program  140 ) and input data or output data with respect to commands associated with the software. The memory  130  may include the volatile memory  132  or the non-volatile memory  134 . 
     The program  140  may be stored in the memory  130  as software and may include, for example, an operating system (OS)  142 , a middleware  144 , or an application  146 . 
     The input device  150  may be a device for receiving a command or data, which is used for a component (e.g., the processor  120 ) of the electronic device  101 , from an outside (e.g., a user) of the electronic device  101  and may include, for example, a microphone, a mouse, or a keyboard. 
     The sound output device  155  may be a device for outputting a sound signal to the outside of the electronic device  101  and may include, for example, a speaker used for general purposes, such as multimedia play or recordings play, and a receiver used only for receiving calls. According to an embodiment, the receiver and the speaker may be either integrally or separately implemented. 
     The display device  160  may be a device for visually presenting information to the user of the electronic device  101  and may include, for example, a display, a hologram device, or a projector and a control circuit for controlling a corresponding device. According to an embodiment, the display device  160  may include a touch circuitry or a pressure sensor for measuring an intensity of pressure on the touch. 
     The audio module  170  may convert a sound and an electrical signal in dual directions. According to an embodiment, the audio module  170  may obtain the sound through the input device  150  or may output the sound through an external electronic device (e.g., the electronic device  102  (e.g., a speaker or a headphone)) wired or wirelessly connected to the sound output device  155  or the electronic device  101 . 
     The sensor module  176  may generate an electrical signal or a data value corresponding to an operating state (e.g., power or temperature) inside or an environmental state outside the electronic device  101 . The sensor module  176  may include, for example, a gesture sensor, a gyro sensor, a barometric pressure sensor, a magnetic sensor, an acceleration sensor, a grip sensor, a proximity sensor, a color sensor, an infrared sensor, a biometric sensor, a temperature sensor, a humidity sensor, or an illuminance sensor. 
     The interface  177  may support a designated protocol wired or wirelessly connected to the external electronic device (e.g., the electronic device  102 ). According to an embodiment, the interface  177  may include, for example, a high-definition multimedia interface (HDMI), a universal serial bus (USB) interface, a secure digital (SD) card interface, or an audio interface. 
     A connecting terminal  178  may include a connector that physically connects the electronic device  101  to the external electronic device (e.g., the electronic device  102 ), for example, an HDMI connector, a USB connector, an SD card connector, or an audio connector (e.g., a headphone connector). 
     The haptic module  179  may convert an electrical signal to a mechanical stimulation (e.g., vibration or movement) or an electrical stimulation perceived by the user through tactile or kinesthetic sensations. The haptic module  179  may include, for example, a motor, a piezoelectric element, or an electric stimulator. 
     The camera module  180  may shoot a still image or a video image. According to an embodiment, the camera module  180  may include, for example, at least one lens, an image sensor, an image signal processor, or a flash. 
     The power management module  188  may be a module for managing power supplied to the electronic device  101  and may serve as at least a part of a power management integrated circuit (PMIC). 
     The battery  189  may be a device for supplying power to at least one component of the electronic device  101  and may include, for example, a non-rechargeable (primary) battery, a rechargeable (secondary) battery, or a fuel cell. 
     The communication module  190  may establish a wired or wireless communication channel between the electronic device  101  and the external electronic device (e.g., the electronic device  102 , the electronic device  104 , or the server  108 ) and support communication execution through the established communication channel. The communication module  190  may include at least one communication processor operating independently from the processor  120  (e.g., the application processor) and supporting the wired communication or the wireless communication. According to an embodiment, the communication module  190  may include a wireless communication module  192  (e.g., a cellular communication module, a short-range wireless communication module, or a global navigation satellite system (GNSS) communication module) or a wired communication module  194  (e.g., a local area network (LAN) communication module or a power line communication module) and may communicate with the external electronic device using a corresponding communication module among them through the first network  198  (e.g., the short-range communication network such as a Bluetooth, a Wi-Fi direct, or an infrared data association (IrDA)) or the second network  199  (e.g., a long-distance wireless communication network such as a cellular network, an internet, or a computer network (e.g., LAN or wide area network (WAN)). The above-mentioned various communication modules may be implemented into one chip or into separate chips, respectively. 
     According to an embodiment, the wireless communication module  192  may identify and authenticate the electronic device  101  using user information stored in the subscriber identification module  196  in the communication network. 
     The antenna module  197  may include one or more antennas to transmit or receive the signal or power to or from an external source. According to an embodiment, the communication module  190  (e.g., the wireless communication module  192 ) may transmit or receive the signal to or from the external electronic device through the antenna suitable for the communication method. 
     Some components among the components may be connected to each other through a communication method (e.g., a bus, a general purpose input/output (GIPO), a serial peripheral interface (SPI), or a mobile industry processor interface (MIPI)) used between peripheral devices to exchange signals (e.g., a command or data) with each other. 
     According to an embodiment, the command or data may be transmitted or received between the electronic device  101  and the electronic device  104  through the server  108  connected to the second network  199 . Each of the electronic devices  102  and  104  may be the same or different types as or from the electronic device  101 . According to an embodiment, all or some of the operations performed by the electronic device  101  may be performed by another electronic device or a plurality of external electronic devices. When the electronic device  101  performs some functions or services automatically or by request, the electronic device  101  may request the external electronic device to perform at least some of the functions related to the functions or services, in addition to or instead of performing the functions or services by itself. The external electronic device receiving the request may carry out the requested function or the additional function and transmit the result to the electronic device  101 . The electronic device  101  may provide the requested functions or services based on the received result as is or after additionally processing the received result. To this end, for example, a cloud computing, distributed computing, or client-server computing technology may be used. 
       FIG. 2  illustrates an environment in which a payment transaction is made, according to an embodiment of the disclosure. 
     Referring to  FIG. 2 , an electronic device  210  (e.g., the electronic device  101 ), according to an embodiment, may receive a transaction token from an external electronic device  230  (e.g., the electronic device  102 ) through a cloud server and may generate a transaction signal including the received transaction token. 
     The electronic device  210 , according to an embodiment, may interact with an external device  220  wirelessly. For example, the electronic device  210  may correspond to a wearable electronic device equipped with a contactless payment module, and the external device  220  may correspond to a point of sale (POS) terminal. The electronic device  210  and the external device  220  may establish, for example, a payment channel for a payment transaction process. The electronic device  210  may transmit and/or receive data (e.g., a transaction signal including the transaction token) associated with the payment transaction to and/or from the external device  220  through the established payment channel. 
     According to an embodiment, the electronic device  210  and the external device  220  may communicate with each other through a magnetic secure transmission (MST) channel. For example, when a user activates an MST module embedded in or externally coupled to the electronic device  210 , the electronic device  210  may generate and emit a magnetic field, which is modulated in a specified scheme to include payment data, by using the activated MST module. Afterward, when the electronic device  210  approaches an MST reader  221  included in the external device  220  to be closer than a specified distance (e.g., 1-5 cm), the payment data may be transmitted to the external device  220  through the emitted magnetic field. 
     Also, according to an embodiment, the electronic device  210  and the external device  220  may communicate with each other through a near field communication (NFC) channel. For example, when the user activates an NFC module embedded in or externally coupled to the electronic device  210 , the electronic device  210  may generate and emit an electric field (or electromagnetic field) of a specified frequency (e.g., 13.56 MHz) including payment data, by using the activated NFC module. Afterward, when the electronic device  210  approaches an NFC reader  222  included in the external device  220  to be closer than a specified distance (e.g., 10 cm), the payment data may be transmitted to the external device  220  through the emitted electric field (or an electromagnetic field). 
     According to an embodiment, the external device  220  may complete a payment transaction based on the received payment data received from the electronic device  210 . For example, the external device  220  may complete a payment transaction by interacting with a mobile payment service server and/or the server of a financial institution through a network (e.g., a POS system network, Internet, or the like). 
       FIG. 3  illustrates an example of each of components included in a payment environment, according to an embodiment of the disclosure. 
     Referring to  FIG. 3 , the payment environment according to various embodiments of the disclosure may include a first electronic device  310 , a second electronic device  320 , a user authentication server  330 , a connection management server  340 , a payment server  350 , and a payment device  360 . For example, the first electronic device  310  and the payment device  360  may correspond to the electronic device  210  and the external device  220  illustrated in  FIG. 2 , respectively. 
     The first electronic device  310  (e.g., the electronic device  101 ) may include a first wireless communication circuit  311 , a second wireless communication circuit  312 , a third wireless communication circuit  313 , a user interface  314 , a memory  315 , a payment circuit  316 , and a processor  317 . According to various embodiments, the first electronic device  310  may be implemented without some elements or may be implemented to further include one or more components not illustrated in  FIG. 3 . For example, the first electronic device  310  may not include an MST circuit  316   b  of the payment circuit  316 . For another example, the first electronic device  310  may further include a sensor module for user authentication. The sensor module may include a biometric sensor such as an iris sensor and a fingerprint sensor. 
     The first wireless communication circuit  311  may be configured such that the first electronic device  310  establishes the first wireless connection with the second electronic device  320 . In an embodiment, the first wireless communication circuit  311  may provide Bluetooth communication, Wi-Fi direct, or the like. For example, the first wireless communication circuit  311  may allow the first electronic device  310  to communicate with the second electronic device  320 . 
     Each of the second wireless communication circuit  312  and the third wireless communication circuit  313  may be configured to wirelessly access the Internet. 
     According to an embodiment, the second wireless communication circuit  312  may be configured to provide Wi-Fi communication, and the third wireless communication circuit  313  may be configured to provide cellular communication (e.g., long-term evolution (LTE), LTE-advanced (LTE-A), code division multiple access (CDMA), wideband DCMA (WCDMA), universal mobile telecommunications service (UMTS), wireless broadband (WiBro), or global system for mobile communications (GSM)). For another example, the first electronic device  310  may not include the third wireless communication circuit  313 . 
     According to an embodiment, when the first electronic device  310  does not include the third wireless communication circuit  313 , the second wireless communication circuit  312  may be configured to provide Wi-Fi communication or cellular communication. 
     The second wireless communication circuit  312  and the third wireless communication circuit  313  may allow the first electronic device  310  to communicate with the user authentication server  330 , the connection management server  340 , and the second electronic device  320  via Internet. 
     The user interface  314  may receive a user input. For example, the user interface  314  may include a dial, a microphone associated with a voice input, a touch screen display, or the like. 
     The memory  315  may store a command, information, or data associated with operations of the first wireless communication circuit  311 , the second wireless communication circuit  312 , the third wireless communication circuit  313 , the user interface  314 , the payment circuit  316 , and the processor  317  included in the first electronic device  310 . For example, the memory  315  may store instructions that, when executed, cause the processor  317  to perform various operations described in the disclosure. After the instructions are implemented with, for example, software such as an application program (e.g., a payment application, a substitute payment application, or the like), an OS, or firmware, the instructions may be stored in the memory  315  or may be embedded in hardware. 
     According to various embodiments, the memory  315  may include a security module. The security module may store information (or data) associated with a payment card. The security module may be implemented with, for example, a secure element (SE), an embedded SE (eSE), a universal integrated circuit (IC) card (UICC), an embedded UICC (eUICC), a micro SD card, a subscriber identifier module (SIM) card, a Trust zone being storage (or the memory  315 ) safely protected from an unauthorized access, or the like. 
     The payment circuit  316  may radiate a signal for making a payment to the outside. For example, the payment circuit  316  may transmit a signal including a transaction token to the payment device  360  (e.g., a POS device). According to an embodiment, the payment circuit  316  may further include at least one of an NFC circuit  316   a  or the MST circuit  316   b.    
     The NFC circuit  316   a  may include, for example, an NFC controller (or an NFC driver) and a radio frequency (RF) module driven by the NFC controller. The NFC controller may convert payment data into an electrical signal and may transfer the electrical signal to the RF module. For example, the RF module may transmit and receive payment data or any other data to and from a payment device in an electromagnetic induction manner, based on the electrical signal received from the NFC controller. 
     For example, the MST circuit  316   b  may include an MST controller (or an MST driver) and an inductor driven by the MST controller. The MST controller may convert the payment data into an electrical signal (e.g., a pulse stream) and may transfer the electrical signal to the inductor. The inductor may generate magnetic field fluctuations (e.g., magnetic impulses) modulated in a specified scheme based on the electrical signal received from the MST controller and may transmit payment data or any other data to the payment device through the magnetic field fluctuations. 
     According to various embodiments, the payment circuit  316  may further include various components for processing a payment by using a bar code, a quick response (QR) code, an IC chip, or the like. 
     For example, the processor  317  may be connected to the first wireless communication circuit  311 , the second wireless communication circuit  312 , the third wireless communication circuit  313 , the user interface  314 , the memory  315 , and the payment circuit  316  included in the first electronic device  310  and may execute operations or data processing associated with control and/or communication of the first wireless communication circuit  311 , the second wireless communication circuit  312 , the third wireless communication circuit  313 , the user interface  314 , the memory  315 , and the payment circuit  316  included in the first electronic device  310 . 
     According to an embodiment, the processor  317  may execute (or launch) an application for making a payment according to various embodiments of the disclosure. Various payment methods of the disclosure may be performed by the execution of the application. 
     According to an embodiment, the processor  317  may share a common ID or the like with the second electronic device  320  through the first wireless communication circuit  311  and may process user authentication through the second wireless communication circuit  312  or the third wireless communication circuit  313 . According to an embodiment, the processor  317  may transmit a request for a transaction token, to the second electronic device  320  through the second wireless communication circuit  312  or the third wireless communication circuit  313  and may receive a response including a payment token from the second electronic device  320 . According to an embodiment, the processor  317  may radiate a payment signal including the payment token through the payment circuit  316 . The above-described operations of the processor  317  are, but are not limited to, an example. 
     The second electronic device  320  (e.g., the electronic device  102  or the electronic device  104 ) may include a first wireless communication circuit  321 , a second wireless communication circuit  322 , a third wireless communication circuit  323 , a memory  324 , and a processor  325 . According to various embodiments, the second electronic device  320  may be implemented without some elements or may be implemented to further include one or more components not illustrated in  FIG. 3 . 
     The first wireless communication circuit  321  may be configured such that the second electronic device  320  establishes the first wireless connection with the first electronic device  310 . In an embodiment, the first wireless communication circuit  321  may provide Bluetooth communication, Wi-Fi direct, or the like. For example, the first wireless communication circuit  321  may allow the second electronic device  320  to communicate with the first electronic device  310 . 
     Each of the second wireless communication circuit  322  and the third wireless communication circuit  323  may be configured to wirelessly access the Internet. 
     According to an embodiment, the second wireless communication circuit  322  may be configured to provide Wi-Fi communication, and the third wireless communication circuit  323  may be configured to provide cellular communication. According to various embodiments, the second electronic device  320  may not include the third wireless communication circuit  323 . 
     According to an embodiment, when the second electronic device  320  does not include the third wireless communication circuit  323 , the second wireless communication circuit  322  may be configured to provide Wi-Fi communication or cellular communication. 
     The second wireless communication circuit  322  and the third wireless communication circuit  323  may allow the second electronic device  320  to communicate with the connection management server  340 , the payment server  350 , and the first electronic device  310  via the Internet. 
     The memory  324  may store a command, information, or data associated with the operations of the first wireless communication circuit  321 , the second wireless communication circuit  322 , the third wireless communication circuit  323 , and the processor  325  included in the second electronic device  320 . For example, the memory  324  may store instructions that, when executed, cause the processor  325  to perform various operations described in the disclosure. After the instructions are implemented with, for example, software such as an application program (e.g., a payment application, a substitute payment application, or the like), an OS, or firmware, the instructions may be stored in the memory  324  or may be embedded in hardware. 
     According to various embodiments, the memory  324  may be used to include a security module. The security module may store information (or data) associated with a payment card. The security module may be implemented with, for example, an SE, an eSE, a UICC, an eUICC, a micro SD card, an SIM card, a Trust zone being storage (or the memory  324 ) safely protected from an unauthorized access, or the like. 
     For example, the processor  325  may be connected to the first wireless communication circuit  321 , the second wireless communication circuit  322 , the third wireless communication circuit  323 , and the memory  324  included in the second electronic device  320  and may execute operations or data processing associated with control and/or communication of the first wireless communication circuit  321 , the second wireless communication circuit  322 , the third wireless communication circuit  323 , and the memory  324  included in the second electronic device  320 . 
     According to an embodiment, the processor  325  may share a common ID or the like with the first electronic device  310  through the first wireless communication circuit  321 , may receive a request for a transaction token from the first electronic device  310  through the second wireless communication circuit  322  or the third wireless communication circuit  323 , may transmit the request for the transaction token to the payment server  350 , may receive a response including the transaction token from the payment server  350 , and may transmit a response including a payment token to the first electronic device  310 . The above-described operations of the processor  325  are, but are not limited to, an example. 
     The user authentication server  330  (e.g., the server  108 ) may receive a request for user authentication from the first electronic device  310 . When the user authentication is successful, the user authentication server  330  may transmit an authentication token to the first electronic device  310 . According to an embodiment, the user authentication server  330  may perform user authentication by using at least one of a user account ID, a fast identity online (FIDO) ID, a device ID, a card member ID, a credit card issuer code, or an authentication type, which is received from the first electronic device  310 . 
     The connection management server  340  (e.g., the server  108 ) may perform an operation for connecting the first electronic device  310  and the second electronic device  320  to each other via the Internet. For example, the connection management server  340  may transmit the information of the first electronic device  310  to the second electronic device  320  and may transmit information of the second electronic device  320  to the first electronic device  310 . Hereinafter, the detailed operation of the connection management server  340  will be described with reference to  FIGS. 5 and 6 . 
     For example, the payment server  350  (e.g., the server  108 ) may receive a request for a transaction token from the second electronic device  320  and may generate the transaction token through interaction with the server of a financial institution. The payment server  350  may transmit the generated transaction token to the second electronic device  320 . 
     The payment device  360  may include, for example, a POS terminal installed in a merchant or an electronic device supporting a person-to-person payment or person-to-person remittance. The payment device  360  may receive a signal including the transaction token received from the first electronic device  310  to complete a payment transaction. 
     According to an embodiment, the payment device  360  may complete the payment transaction by interacting with the payment server  350  through a network (e.g., a cellular network, a POS system network, Internet, or the like). 
     Hereinafter, it is assumed that the devices of  FIG. 3  perform the processes of  FIGS. 4 to 6 . According to an embodiment, in  FIGS. 4 to 6 , a payment device  41  may correspond to the payment device  360 , a first external server  42  may correspond to the user authentication server  330 , first electronic devices  43 ,  51 , and  61  may correspond to the first electronic device  310 , second electronic devices  44 ,  53 , and  63  may correspond to the second electronic device  320 , a second external server  45  may correspond to the payment server  350 , and third external servers  52  and  62  may correspond to the connection management server  340 . 
     The operation described as being performed by first electronic devices  43 ,  51 , and  61  and second electronic devices  44 ,  53 , and  63  may be implemented by using instructions performed (or executed) by the processor  317  and  325  of each of first electronic devices  43 ,  51 , and  61  and second electronic devices  44 ,  53 , and  63 . The instructions may be stored in, for example, a computer-readable recording medium or the memory  315  or  324  of each of first electronic devices  43 ,  51 , and  61  and second electronic devices  44 ,  53 , and  63  illustrated in  FIG. 3 . 
       FIG. 4  is a flowchart illustrating a procedure of performing a payment, according to an embodiment of the disclosure. 
     Referring to  FIG. 4 , in operation  401 , a first electronic device  43  and a second electronic device  44  may establish a first wireless connection between each other. 
     According to an embodiment, the processor  317  of the first electronic device  43  and the processor  325  of the second electronic device  44  may establish the first wireless connection through the first wireless communication circuits  311  and  321 . For example, the first electronic device  43  and the second electronic device  44  may be paired with each other over Bluetooth communication. 
     In operation  403 , the first electronic device  43  and the second electronic device  44  may share a common ID with each other through the first wireless connection. 
     For example, the processor  325  of the second electronic device  44  may transmit a group ID to the first electronic device  43  over the first wireless communication. For another example, the processor  317  of the first electronic device  43  may transmit a group ID to the second electronic device  44  over the first wireless communication. In an embodiment, the group ID may indicate that the first electronic device  43  and the second electronic device  44  are included in one group. 
     According to an embodiment, the processor  325  of the second electronic device  44  may further transmit an account token over the first wireless communication. According to an embodiment, when the first electronic device  43  and the second electronic device  44  establish a second wireless connection, the account token may be data indicating that each of the first electronic device  43  and the second electronic device  44  is a trusted device. 
     According to an embodiment, the processor  325  of the second electronic device  44  may transmit an encryption key (e.g., a public key) to the first electronic device  43  over the first wireless communication. According to an embodiment, each of the first electronic device  43  and the second electronic device  44  may have the encryption key (e.g., the private key) corresponding to each electronic device. 
     In operation  405 , the first electronic device  43  and the second electronic device  44  may disconnect the first wireless connection. 
     According to an embodiment, the first wireless connection may be disconnected because the distance between the first electronic device  43  and the second electronic device  44  exceeds the maximum communication distance of the first wireless connection. 
     According to an embodiment, when the first wireless communication circuit  311  or  321  of at least one of the first electronic device  43  or the second electronic device  44  is turned off, the first wireless connection may be disconnected. 
     In operation  407 , the first electronic device  43  and the second electronic device  44  may establish a second wireless connection between each other. 
     According to an embodiment, the processor  317  of the first electronic device  43  and the processor  325  of the second electronic device  44  may establish the second wireless connection through the second wireless communication circuits  312  and  322 . 
     According to an embodiment, the second wireless connection may be a peer to peer (P2P) connection using an Internet network. According to an embodiment, each of the first electronic device  43  and the second electronic device  44  connected to the Internet through each of the second wireless communication circuits  312  and  322  may have an Internet protocol (IP) address. The first electronic device  43  and the second electronic device  44  may establish the second wireless connection by using the IP address of each other. 
     According to an embodiment, when the first wireless communication is interrupted, the first electronic device  43  and the second electronic device  44  may establish the second wireless connection between each other through a third external server by using the common ID. Hereinafter, the detailed method in which the first electronic device  43  and the second electronic device  44  establish the second wireless connection will be described with reference to  FIG. 5 . 
     According to various embodiments, operation  407  may be performed after an operation among operations  409 ,  411 ,  413 , and  415  before operation  417 . 
     In operation  409 , the processor  317  of the first electronic device  43  may receive a user input through the user interface  314 . 
     According to an embodiment, the user input may be a user input to request a transaction. For example, the user input may be an input to execute an application for performing the transaction such as a payment or the like and to select a means for performing the transaction. For example, the means for performing the transaction may be a credit card, a debit card, a bankbook, or the like for performing a payment transaction. 
     In operation  411 , the processor  317  of the first electronic device  43  may perform user authentication in response to the user input. 
     According to an embodiment, the processor  317  of the first electronic device  43  may use at least one authentication scheme of a password authentication scheme, a pattern authentication scheme, a fingerprint authentication scheme, or an iris authentication scheme, for the user authentication. 
     When the user authentication is successful, in operation  413 , the processor  317  of the first electronic device  43  may transmit a first request for an authentication token, to the first external server  42  through the second wireless communication circuit  312 . 
     According to an embodiment, the first request may further include at least one of a user account ID, a FIDO ID, a device ID, a card member ID, a credit card issuer code, or an authentication type. 
     According to an embodiment, before transmitting the first request, the processor  317  of the first electronic device  43  may make a request for the IP address of the first external server  42  to the second electronic device  44  through the second wireless communication circuit  312  and may receive a response including the IP address of the first external server  42  from the second electronic device  44 . 
     According to an embodiment, when making a request for the IP address of the first external server  42 , the processor  317  of the first electronic device  43  may further transmit data associated with the user input to the second electronic device  44 . For example, the processor  317  of the first electronic device  43  may further transmit data (e.g., the name of the selected credit card, the card issuer of a credit card, or the like) associated with the means for performing the transaction selected by a user, to the second electronic device  44 . According to an embodiment, the processor  325  of the second electronic device  44  may transmit a response including the address of the first external server  42  corresponding to data associated with the received user input, to the first electronic device  43 . 
     According to an embodiment, the processor  317  of the first electronic device  43  may transmit the first request to the first external server  42  with reference to the received address of the first external server  42 . 
     According to an embodiment, the memory  315  of the first electronic device  43  may store one or more addresses of the first external server  42  in advance. According to an embodiment, the processor  317  of the first electronic device  43  may transmit the first request to the first external server  42  with reference to the address of the first external server  42  stored in the memory  315 . In an embodiment, the processor  317  of the first electronic device  43  may transmit the first request to the first external server  42  with reference to the address of the first external server  42  corresponding to the means for performing the transaction selected by the user. 
     In operation  415 , the first external server  42  may transmit a first response including the authentication token to the first electronic device  43 . 
     According to an embodiment, the processor  317  of the first electronic device  43  may receive the first response including the authentication token from the first external server  42  through the second wireless communication circuit  312 . For example, the first response may further include at least one of a FIDO authentication token or a key ID. 
     In operation  417 , the processor  317  of the first electronic device  43  may transmit a second request for a transaction token to the second electronic device  44  through the second wireless communication circuit  312 . 
     According to an embodiment, the processor  317  of the first electronic device  43  may transmit a second request through the established second wireless communication. 
     According to an embodiment, the processor  317  of the first electronic device  43  may further transmit the authentication token received from the first external server  42 , to the second electronic device  44  through the second wireless communication circuit  312 . 
     According to an embodiment, before transmitting the second request, the processor  317  of the first electronic device  43  may perform an operation to change a communication scheme, which is used by the second electronic device  44 , to the predetermined communication scheme. Hereinafter, the detailed procedure of changing a communication scheme will be described with reference to  FIG. 6 . 
     In operation  419 , the processor  325  of the second electronic device  44  may transmit the third request for the transaction token to the second external server  45  through the second wireless communication circuit  322 . 
     According to an embodiment, the processor  325  of the second electronic device  44  may further transmit an authentication token received from the first electronic device  43 , to the second external server  45  through the second wireless communication circuit  322 . 
     In operation  421 , the second external server  45  may transmit a user authentication request to the first external server  42  in response to the reception of the third request. According to an embodiment, the second external server  45  may further transmit the received authentication token to the first external server  42 . 
     In operation  423 , the first external server  42  may transmit a user authentication response to the second external server  45 . 
     According to an embodiment, the first external server  42  may perform user authentication by using the received authentication token. 
     When the user authentication is successful, in operation  425 , the second external server  45  may generate the requested transaction token. 
     In operation  427 , the second external server  45  may transmit the second response including the generated transaction token to the second electronic device  44 . 
     According to an embodiment, the processor  325  of the second electronic device  44  may receive the second response including the transaction token from the second external server  45  through the second wireless communication circuit  322 . 
     In operation  429 , the processor  325  of the second electronic device  44  may transmit a third response including the transaction token received over second wireless communication, to the first electronic device  43 . 
     According to an embodiment, the processor  317  of the first electronic device  43  may receive the third response including the transaction token from the second electronic device  44  through the second wireless communication circuit  312 . 
     In operation  431 , the processor  317  of the first electronic device  43  may radiate a payment signal including the transaction token through the payment circuit  316 . 
     According to an embodiment, the radiated payment signal may be transmitted to the payment device  41 , and the payment device  41  may perform a payment transaction by using the received payment signal. 
     Hereinafter, the detailed procedure in which first electronic device  51  and second electronic device  53  establish the second wireless connection will be described with reference to  FIG. 5 . 
       FIG. 5  is a flowchart illustrating a procedure in which a first electronic device and a second electronic device establish a second wireless communication, according to an embodiment of the disclosure. 
     Referring to  FIG. 5 , in operation  501 , a second electronic device  53  may log in to a third external server  52  through the second wireless communication circuit  322  and may transmit an information request of a first electronic device  51 . 
     According to an embodiment, the processor  325  of the second electronic device  53  may transmit a common ID (e.g., a group ID) and an ID (e.g., the ID of the second electronic device  53 ) of the second electronic device  53  to the third external server  52  to log in to the third external server  52 . 
     According to an embodiment, in an operation in which the second electronic device  53  first logs in to the third external server  52 , when a user registers a user account (e.g., Samsung account) in the second electronic device  53 , the processor  325  of the second electronic device  53  may register the user account in the third external server  52  through the second wireless communication circuit  322 . In an operation in which the user account is registered, the third external server  52  may receive and store the common ID from the second electronic device  53 . According to an embodiment, the third external server  52  may perform an operation of establishing a wireless connection between electronic devices having the same user account as the registered user account. 
     According to an embodiment, the login operation may be an operation in which the processor  325  of the second electronic device  53  periodically transmits the common ID and the ID of the second electronic device  53  to the third external server  52 . 
     According to an embodiment, the second electronic device  53  may further transmit an account token to indicate that the second electronic device  53  is a trusted device. 
     In operation  503 , the third external server  52  may transmit a response to the request of the second electronic device  53 , to the second electronic device  53 . 
     According to an embodiment, the third external server  52  may accept the login of the second electronic device  53  by using a group ID and the ID of the second electronic device  53 . According to an embodiment, when the second electronic device  53  is the trusted device, the third external server  52  may accept the login by using an account token. 
     According to an embodiment, when the second electronic device  53  logs in, the third external server  52  may have information (e.g., a group ID, a device ID, or the like) of the second electronic device  53  including the IP of the second electronic device  53 . 
     According to an embodiment, when the third external server  52  receives the request of the second electronic device  53  before the first electronic device  51  logs in to the third external server  52 , the third external server  52  may not have information of the first electronic device  51 . In this case, the third external server  52  may transmit a response indicating that the information of the first electronic device  51  is absent, to the second electronic device  53 . 
     According to various embodiments, when the first electronic device  51  logs in to the third external server  52  before the second electronic device  53  logs in, the third external server  52  may have the information of the first electronic device  51 . In this case, the third external server  52  may transmit a response including the information of the first electronic device  51 , to the second electronic device  53  in response to the request of the second electronic device  53 . 
     In operation  505 , the first electronic device  51  may log in to the third external server  52  through the second wireless communication circuit  312  and may transmit the information request of the second electronic device  53 . 
     According to an embodiment, the processor  317  of the first electronic device  51  may transmit a common ID (e.g., a group ID) and an ID of the first electronic device  51  to the third external server  52  and may log in to the third external server  52 . 
     According to an embodiment, in an operation in which the first electronic device  51  first logs in to the third external server  52 , when the user registers a user account (e.g., Samsung account) in the first electronic device  51 , the processor  317  of the first electronic device  51  may register the user account in the third external server  52  through the second wireless communication circuit  312 . In an operation in which the user account is registered, the third external server  52  may receive and store the common ID from the first electronic device  51 . According to an embodiment, the third external server  52  may perform an operation of establishing a wireless connection between electronic devices having the same user account as the registered user account. 
     According to an embodiment, the login operation may be an operation in which the processor  317  of the first electronic device  51  periodically transmits the common ID and the ID of the first electronic device  51  to the third external server  52 . 
     According to an embodiment, the first electronic device  51  may further transmit an account token to indicate that the first electronic device  51  is a trusted device. 
     In operation  507 , the third external server  52  may transmit a response to the request of the first electronic device  51 , to the first electronic device  51 . 
     According to an embodiment, the third external server  52  may accept the login of the first electronic device  51  by using a group ID and the ID of the first electronic device  51 . According to an embodiment, when the first electronic device  51  is the trusted device, the third external server  52  may accept the login by using an account token. 
     According to an embodiment, when the first electronic device  51  logs in, the third external server  52  may have information (e.g., a group ID, a device ID, or the like) of the first electronic device  51  including the IP of the first electronic device  51 . 
     In an embodiment of  FIG. 5 , since the second electronic device  53  logs in to the third external server  52  before the first electronic device  51  logs in, the third external server  52  may have the information of the second electronic device  53 . According to an embodiment, the third external server  52  may transmit a response including the information (e.g., the IP address of the second electronic device  53 , the ID of the second electronic device  53 , or the like) of the second electronic device  53 , to the first electronic device  51 . 
     According to various embodiments, before the second electronic device  53  logs in to the third external server  52 , the first electronic device  51  may make a request for the information of the second electronic device  53  to the third external server  52 . In this case, the third external server  52  may transmit a response indicating that the information of the second electronic device  53  is absent, to the first electronic device  51  in response to the request of the first electronic device  51 . 
     In operation  509 , the second electronic device  53  may transmit the information request of the first electronic device  51  to the third external server  52  again. 
     According to an embodiment, since the second electronic device  53  does not receive the information of the first electronic device  51 , the second electronic device  53  may transmit the information request of the first electronic device  51  to the third external server  52  after a specific time elapses after operation  503 . 
     According to an embodiment, since the first electronic device  51  logs in to the third external server  52  before operation  509 , the third external server  52  may have the information of the first electronic device  51 . 
     In operation  511 , the third external server  52  may transmit a response including the information of the first electronic device  51  to the second electronic device  53 . 
     According to an embodiment, the response may include the IP address of the first electronic device  51 , the ID of the first electronic device  51 , or the like. 
     In operation  513 , the first electronic device  51  and the second electronic device  53  may establish a second wireless connection. 
     According to an embodiment, the first electronic device  51  and the second electronic device  53  may establish the second wireless connection by using the IP address of each other. According to an embodiment, the second wireless connection may be a P2P connection via the Internet. 
     According to an embodiment, after the second wireless connection is established, the first electronic device  51  and the second electronic device  53  may transmit and/or receive data through the second wireless connection. 
     In operation  515 , the first electronic device  51  and the second electronic device  53  may generate a security channel. 
     According to an embodiment, the first electronic device  51  and the second electronic device  53  may perform encryption communication to generate the security channel. For example, the second electronic device  53  may transmit the encryption key shared in operation  403  to the first electronic device  51  through the third external server  52 . The first electronic device  51  may verify the received encryption key by using the encryption key corresponding to the first electronic device  51 . The first electronic device  51  may transmit the encryption key shared in operation  403  to the second electronic device  53  through the third external server  52 . The second electronic device  53  may verify the received encryption key by using the encryption key corresponding to the second electronic device  53 . According to an embodiment, when the encryption key is verified, the first electronic device  51  and the second electronic device  53  may generate a security channel session key by using the shared encryption key. 
     According to an embodiment, when the security channel session key is generated, that is, when a security channel is generated, the first electronic device  51  and the second electronic device  53  may transmit and/or receive data through the security channel. For example, the second request in operation  417  and the third response in operation  429  may be transmitted through the security channel. 
     In the descriptions given with reference to  FIG. 5 , it is described that the security channel is established immediately after the second wireless connection is established. However, according to an embodiment, operations  501 ,  503 ,  505 ,  507 ,  509 ,  511 , and  513  may be performed before operation  409  described above, and operation  515  may be performed after operation  409 . 
     According to various embodiments, when at least one of first electronic device  61  or second electronic device  63  is connected to the Internet through an access point (AP), third external server  62  may identify the IP address of an electronic device connected to the AP, as the IP address of the AP. In this case, first electronic device  61  and second electronic device  63  may not make a P2P connection using an IP address. 
     According to various embodiments, when the P2P connection between first electronic device  61  and second electronic device  63  by using the IP address fails, first electronic device  61  and second electronic device  63  may transmit data (e.g., the second request in operation  417  or the third response in operation  429 ) to third external server  62 , and may receive data (e.g., the second request in operation  417  or the third response in operation  429 ) from third external server  62 . 
     According to an embodiment, it may be limited to use a specified communication scheme (e.g., cellular communication) when first electronic device  61  and second electronic device  63  transmits and/or receives an authentication token and a transaction token. Hereinafter, the detailed procedure in which a communication scheme of second electronic device  63  is changed to a predetermined communication scheme will be described with reference to  FIG. 6 . The procedure of  FIG. 6  may be performed before operation  419  described above. 
       FIG. 6  is a flowchart illustrating a procedure in which a communication scheme of a second electronic device is changed, according to an embodiment of the disclosure. 
     In an embodiment given with reference to  FIG. 6 , it is assumed that the second wireless communication circuit  322  of second electronic device  63  is a communication circuit providing Wi-Fi communication and the third wireless communication circuit  323  of second electronic device  63  is a communication circuit providing cellular communication. In an embodiment, it is assumed that the predetermined communication scheme is cellular communication. 
     Referring to  FIG. 6 , in operation  601 , the processor  317  of a first electronic device  61  may transmit a communication scheme changing request to a second electronic device  63  through the second wireless communication circuit  312 . 
     According to an embodiment, the communication scheme changing request may be a request for changing a communication scheme, which is used by the second electronic device  63 , to a cellular communication scheme. 
     In operation  603 , the processor  325  of the second electronic device  63  may change the used communication scheme. 
     According to an embodiment, the processor  325  of the second electronic device  63  may access the Internet through the second wireless communication circuit  322  providing Wi-Fi communication and may establish a second wireless communication with the first electronic device  61 . According to an embodiment, for the purpose of changing a communication scheme to a cellular communication scheme, the processor  325  of the second electronic device  63  may access the Internet through the third wireless communication circuit  323  providing cellular communication. According to an embodiment, when the processor  325  of the second electronic device  63  accesses the Internet through the third wireless communication circuit  323 , the second electronic device  63  may have a new IP address. 
     According to an embodiment, the processor  325  of the second electronic device  63  may access the Internet through both the second wireless communication circuit  322  and the third wireless communication circuit  323 . 
     In operation  605 , the processor  325  of the second electronic device  63  may log in to a third external server  62  through the second wireless communication circuit  322  and may transmit the information request of the first electronic device  61 . 
     According to an embodiment, the processor  325  of the second electronic device  63  may transmit a common ID (e.g., a group ID) and an ID (e.g., the ID of the second electronic device  63 ) of the second electronic device  63  to the third external server  62  to log in to the third external server  62 . 
     According to an embodiment, the second electronic device  63  may log in to the third external server  62  through the third wireless communication circuit  323 . Since the second electronic device  63  has a new IP address, the third external server  62  may have the new IP address of the second electronic device  63 . 
     In operation  607 , the third external server  62  may transmit a response responding to the request of the second electronic device  63 , to the second electronic device  63 . 
     According to an embodiment, the third external server  62  may transmit a response including the information of the first electronic device  61  to the second electronic device  63 . 
     According to various embodiments, while the processor  317  of the first electronic device  61  establishes a second wireless connection with the second electronic device  63  through the second wireless communication circuit  312  before operation  601 , the processor  317  of the first electronic device  61  may access the Internet through the third wireless communication circuit  313  and may have the new IP address. According to various embodiments, the processor  317  of the first electronic device  61  may log in to the third external server  62  through the third wireless communication circuit  313 , and the third external server  62  may have the new IP address of the first electronic device  61 . 
     In this case, in operation  607 , the third external server  62  may transmit a response including the new IP address of the first electronic device  61 , to the second electronic device  63 . 
     In operation  609 , the processor  317  of the first electronic device  61  may transmit the information request of the second electronic device  63  to the third external server  62 . 
     According to an embodiment, when the first electronic device  61  uses the second wireless communication circuit  312 , the processor  317  of the first electronic device  61  may transmit the information request of the second electronic device  63  to the third external server  62  through the second wireless communication circuit  312 . 
     According to an embodiment, when the first electronic device  61  uses the third wireless communication circuit  313 , the processor  317  of the first electronic device  61  may transmit the information request of the second electronic device  63  to the third external server  62  through the third wireless communication circuit  313 . 
     According to an embodiment, the information of the second electronic device  63  requested by the first electronic device  61  may include the changed IP address of the second electronic device  63 . 
     In operation  611 , the third external server  62  may transmit a response including the changed IP address of the second electronic device  63 , to the first electronic device  61 . 
     Afterward, the first electronic device  61  may use the second wireless communication circuit  312 , and the second electronic device  63  may use the third wireless communication circuit  313 , and thus may establish a new second wireless connection. In other words, the first electronic device  61  and the second electronic device  63  may establish the second wireless connection by using the IP address of the first electronic device  61  and a new IP address of the second electronic device  63 . 
     In an embodiment, when the first electronic device  61  changes a communication scheme to the communication scheme (e.g., cellular communication) provided by the third wireless communication circuit  313 , both the first electronic device  61  and the second electronic device  63  may establish the new second wireless connection by using the third wireless communication circuits  313  and  323 . In other words, the first electronic device  61  and the second electronic device  63  may establish the second wireless connection by using a new IP address of the first electronic device  61  and a new IP address of the second electronic device  63 . 
     According to various embodiments, the second electronic device  63  may transmit a communication scheme changing request to the first electronic device  61 . In this case, the operations of the first electronic device  61  described with reference to  FIG. 6  may be performed by the second electronic device  63 , and the operations of the second electronic device  63  may be performed by the first electronic device  61 . 
     Hereinafter, each of the operation of the first electronic device  310  and the operation of the second electronic device  320  will be described to make a payment described above. 
     Hereinafter, it is assumed that the devices of  FIG. 3  perform the processes of  FIGS. 7 and 8 . 
       FIG. 7  is a flowchart illustrating an operation performed by a first electronic device to make a payment, according to an embodiment of the disclosure. 
     In the descriptions given with reference to  FIG. 7 , an external mobile device may correspond to the second electronic device  320 , and a first external server may correspond to the user authentication server  330 . 
     Referring to  FIG. 7 , in operation  701 , the processor  317  of the first electronic device  310  may establish a first wireless connection with the external mobile device through the first wireless communication circuit  311 . 
     According to an embodiment, the first electronic device  310  and the external mobile device may be paired with each other over Bluetooth communication. 
     According to an embodiment, the processor  317  of the first electronic device  310  may receive and store a common ID associated with the external mobile device through the first wireless connection. 
     According to an embodiment, operation  701  may correspond to operation  401  described above. 
     In operation  703 , the processor  317  of the first electronic device  310  may disconnect the first wireless connection. 
     According to an embodiment, when the first wireless connection is interrupted, the processor  317  of the first electronic device  310  may establish a second wireless connection with the external mobile device through the second wireless communication circuit  312 . 
     According to an embodiment, operation  703  may correspond to operation  405  described above. 
     In operation  705 , the processor  317  of the first electronic device  310  may receive a user input through the user interface  314 . 
     According to an embodiment, the processor  317  of the first electronic device  310  may receive a user input in a state where the first wireless connection is disconnected. 
     According to an embodiment, the user input may be a user input to request a transaction. 
     According to an embodiment, operation  705  may correspond to operation  409  described above. 
     In operation  707 , the processor  317  of the first electronic device  310  may perform user authentication in response to the user input. 
     According to an embodiment, the processor  317  of the first electronic device  310  may use at least one authentication scheme of a password authentication scheme, a pattern authentication scheme, a fingerprint authentication scheme, or an iris authentication scheme, for the user authentication. 
     According to an embodiment, operation  707  may correspond to operation  411  described above. 
     When the user authentication is successful, in operation  709 , the processor  317  of the first electronic device  310  may transmit a first request for an authentication token, to the first external server through the second wireless communication circuit  312 . 
     According to an embodiment, the first request may further include at least one of a user account ID, a FIDO ID, a device ID, a card member ID, a credit card issuer code, or an authentication type. 
     According to an embodiment, operation  709  may correspond to operation  413  described above. 
     In operation  711 , the processor  317  of the first electronic device  310  may receive the first response including the authentication token from the first external server through the second wireless communication circuit  312 . 
     According to an embodiment, operation  711  may correspond to operation  415  described above. 
     In operation  713 , the processor  317  of the first electronic device  310  may transmit a second request for a transaction token to the external mobile device through the second wireless communication circuit  312 . 
     According to an embodiment, the processor  317  of the first electronic device  310  may transmit a second request through the established second wireless communication. According to an embodiment, the processor  317  of the first electronic device  310  may further transmit the authentication token received from the first external server, to the external mobile device through the second wireless communication circuit  312 . 
     According to an embodiment, operation  713  may correspond to operation  417  described above. 
     In operation  715 , the processor  317  of the first electronic device  310  may receive a second response including the transaction token from the external mobile device through the second wireless communication. 
     According to an embodiment, operation  715  may correspond to operation  429  described above. 
     In operation  717 , the processor  317  of the first electronic device  310  may radiate a payment signal including the transaction token through the payment circuit  316 . 
     According to an embodiment, operation  717  may correspond to operation  431  described above. 
       FIG. 8  is a flowchart illustrating an operation performed by the second electronic device to make a payment, according to an embodiment of the disclosure. 
     In the descriptions given with reference to  FIG. 8 , an external mobile device may correspond to the first electronic device  310 , and a first external server may correspond to the payment server  350 . 
     Referring to  FIG. 8 , in operation  801 , the processor  325  of the second electronic device  320  may establish a first wireless connection with the external mobile device through the first wireless communication circuit  321 . 
     According to an embodiment, the second electronic device  320  and the external mobile device may be paired with each other over Bluetooth communication. 
     According to an embodiment, the processor  325  of the second electronic device  320  may transmit a common ID through a first wireless connection. 
     According to an embodiment, operation  801  may correspond to operation  401  described above. 
     In operation  803 , the processor  325  of the second electronic device  320  may disconnect the first wireless connection. 
     According to an embodiment, when the first wireless connection is interrupted, the processor  325  of the second electronic device  320  may establish a second wireless connection with the external mobile device through the second wireless communication circuit  322 . 
     According to an embodiment, operation  803  may correspond to operation  405  described above. 
     In operation  805 , the processor  325  of the second electronic device  320  may receive a first request for a transaction token from the external mobile device through the second wireless communication circuit  322 . 
     According to an embodiment, the processor  325  of the second electronic device  320  may receive the first request through the established second wireless communication. 
     According to an embodiment, the processor  325  of the second electronic device  320  may further receive an authentication token from the external mobile device through the second wireless communication circuit  322 . 
     According to an embodiment, operation  805  may correspond to operation  417  described above. 
     In operation  807 , the processor  325  of the second electronic device  320  may transmit the second request for the transaction token to the first external server through the second wireless communication circuit  322 . 
     According to an embodiment, the processor  325  of the second electronic device  320  may further transmit an authentication token received from the external mobile device, to the first external server through the second wireless communication circuit  322 . 
     According to an embodiment, operation  807  may correspond to operation  419  described above. 
     In operation  809 , the processor  325  of the second electronic device  320  may receive the first response including a transaction token from the first external server through the second wireless communication circuit  322 . 
     According to an embodiment, operation  809  may correspond to operation  427  described above. 
     In operation  811 , the processor  325  of the second electronic device  320  may transmit a second response including the transaction token received over second wireless communication, to the external mobile device. 
     According to an embodiment, operation  811  may correspond to operation  429  described above. 
     According to various embodiments, the second electronic device  320  may establish the first wireless connection and the second wireless connection with the plurality of first electronic devices. According to various embodiments, the second electronic device  320  may be configured to approve the transaction token request of an electronic device, which is selected by a user, from among the plurality of first electronic devices. 
       FIG. 9  illustrates a screen for setting an electronic device, a transaction token request of which is to be approved, according to an embodiment of the disclosure. 
     Referring to  FIG. 9 , the second electronic device  320  may display a list  901  of the first electronic device  310  while a first wireless connection is established or has been established. According to an embodiment, the second electronic device  320  may display an object  902  for setting whether to approve the transaction token request of the first electronic device  310 . According to an embodiment, whether the transaction token request of the first electronic device  310  is approved may be set in response to a user input to select the object  902 . 
     According to various embodiments, when the second electronic device  320  is being used by a user, the second electronic device  320  may reject the transaction token request from the first electronic device  310 . 
       FIG. 10  illustrates a screen displayed when an electronic device receives a transaction token request, according to an embodiment of the disclosure. 
     According to various embodiments, when a transaction token request from the first electronic device  310  is received, as illustrated in  FIG. 10 , the processor of the second electronic device  320  may display a user interface (UI) for querying whether to approve the transaction token request. The processor of the second electronic device  320  may perform operation  419  described above or may reject the transaction token request, in response to a user input to select whether to approve  1001  or not to approve  1002 . 
     The electronic device according to various embodiments disclosed in the disclosure may be various types of devices. The electronic device may include, for example, at least one of a portable communication device (e.g., a smartphone), a computer device, a portable multimedia device, a mobile medical appliance, a camera, a wearable device, or a home appliance. The electronic device according to an embodiment of the disclosure should not be limited to the above-mentioned devices. 
     It should be understood that various embodiments of the disclosure and terms used in the embodiments do not intend to limit technologies disclosed in the disclosure to the particular forms disclosed herein; rather, the disclosure should be construed to cover various modifications, equivalents, and/or alternatives of embodiments of the disclosure. With regard to description of drawings, similar components may be assigned with similar reference numerals. As used herein, singular forms may include plural forms as well unless the context clearly indicates otherwise. In the disclosure disclosed herein, the expressions “A or B,” “at least one of A or/and B,” “A, B, or C,” or “one or more of A, B, or/and C” and the like used herein may include any and all combinations of one or more of the associated listed items. The expressions “a first,” “a second,” “the first,” or “the second,” used in herein, may refer to various components regardless of the order and/or the importance, but do not limit the corresponding components. The above expressions are used merely for the purpose of distinguishing a component from the other components. It should be understood that when a component (e.g., a first component) is referred to as being (operatively or communicatively) “connected,” or “coupled,” to another component (e.g., a second component), it may be directly connected or coupled directly to the other component or any other component (e.g., a third component) may be interposed between them. 
     The term “module” used herein may represent, for example, a unit including one or more combinations of hardware, software and firmware. The term “module” may be interchangeably used with the terms “logic,” “logical block,” “part,” and “circuit.” The “module” may be a minimum unit of an integrated part or may be a part thereof. The “module” may be a minimum unit for performing one or more functions or a part thereof. For example, the “module” may include an application-specific integrated circuit (ASIC). 
     Various embodiments of the disclosure may be implemented by software (e.g., the program  140 ) including an instruction stored in a machine-readable storage media (e.g., an internal memory  136  or an external memory  138 ) readable by a machine (e.g., a computer). The machine may be a device that calls the instruction from the machine-readable storage media and operates depending on the called instruction and may include the electronic device (e.g., the electronic device  101 ). When the instruction is executed by the processor (e.g., the processor  120 ), the processor may perform a function corresponding to the instruction directly or using other components under the control of the processor. The instruction may include a code generated or executed by a compiler or an interpreter. The machine-readable storage media may be provided in the form of non-transitory storage media. Here, the term “non-transitory,” as used herein, is a limitation of the medium itself (i.e., tangible, not a signal) as opposed to a limitation on data storage persistency. 
     According to an embodiment, the method according to various embodiments disclosed in the disclosure may be provided as a part of a computer program product. The computer program product may be traded between a seller and a buyer as a product. The computer program product may be distributed in the form of machine-readable storage medium (e.g., a compact disc read only memory (CD-ROM)) or may be distributed only through an application store (e.g., a Play Store™). In the case of online distribution, at least a portion of the computer program product may be temporarily stored or generated in a storage medium such as a memory of a manufacturer&#39;s server, an application store&#39;s server, or a relay server. 
     Each component (e.g., the module or the program) according to various embodiments may include at least one of the above components, and a portion of the above sub-components may be omitted, or additional other sub-components may be further included. Alternatively or additionally, some components (e.g., the module or the program) may be integrated in one component and may perform the same or similar functions performed by each corresponding component prior to the integration. Operations performed by a module, a programming, or other components according to various embodiments of the disclosure may be executed sequentially, in parallel, repeatedly, or in a heuristic method. Also, at least some operations may be executed in different sequences, omitted, or other operations may be added. 
     While the disclosure has been shown and described with reference to various embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the disclosure as defined by the appended claims and their equivalents.