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    • 49. 发明授权
    • Card settlement method and system using mobile information terminal
    • 卡结算方法和系统使用移动信息终端
    • US07424732B2
    • 2008-09-09
    • US09810437
    • 2001-03-19
    • Tsutomu MatsumotoHiroki MitsumotoTakeshi Kamata
    • Tsutomu MatsumotoHiroki MitsumotoTakeshi Kamata
    • H04L9/32
    • G06Q20/24G06Q20/02G06Q20/04G06Q20/20G06Q20/32G06Q20/3226G06Q20/3227G06Q20/3229G06Q20/327G06Q20/341G07F7/0886G07F7/1008G07F7/1025G07F7/122
    • A card settlement method using a mobile information terminal provided with an IC card read/write function and a wireless communication function for the settlement of a transaction in a business establishment, comprising a step of having a customer using a business establishment wirelessly connect to an authorization server through a network by the mobile information terminal, a step of having the customer load his or her IC card in the mobile information terminal, read the information stored in this IC card, and send it to the authorization server, a step of having the authorization server decide on the authorization of the current transaction from authentication information stored in the IC card and proving the legitimacy of the card, settlement information containing at least a card number, and personal identification information input from the customer and proving the legitimacy of the customer, a step of sending a temporary password issued from a settlement server to the mobile information terminal for display after the authorization of the current transaction, a step of inputting the temporary password and the current transaction information from a business establishment side settlement terminal and sending it to the settlement server, and a step of having the settlement server settle the transaction with the password and the transaction information satisfying the settlement conditions.
    • 一种使用具有IC卡读/写功能的移动信息终端的卡结算方法和用于结算业务机构中的交易的无线通信功能,包括使客户使用业务机构无线连接到授权的步骤 服务器通过移动信息终端通过网络,将客户将他或她的IC卡加载到移动信息终端中的步骤,读取存储在该IC卡中的信息,并将其发送到授权服务器, 授权服务器根据存储在IC卡中的验证信息来决定当前交易的授权,并证明卡的合法性,至少包含卡号的结算信息和从客户输入的个人识别信息,并证明客户的合法性 将从结算服务器发出的临时密码发送到移动终端的步骤 在当前交易授权之后进行显示的候选终端,从企业侧结算终端输入临时密码和当前交易信息并将其发送到结算服务器的步骤,以及使结算服务商结算交易的步骤 密码和交易信息满足结算条件。