| 摘要 |
PURPOSE: A payment system of the internet electronic commerce is provided to improve a credit card user's safety, to reduce the circulation of cash, and to allow quick payments by approving credit card payments, allowing electronic currency payments, and transferring a payment amount from a user's bank account to a retailer's account if a sufficient account balance exists in the user's bank account. CONSTITUTION: A user connects to an internet electronic shopping mall, chooses a product, and selects a desired payment method through a card reader which is installed on a PC(S10). The card reader transmits the transaction information, which includes the card and the product purchase informations, to the electronic shopping mall and then to an agency system(S11). The agency system records the transaction information and classifies the card as a credit card, a debit card, or an electronic currency IC card(S12¯S14). If the card is a debit card, the agency system creates the card information, the card transaction information, and the account transfer information and transmits them to a bank's operation processing system. The bank's operation processing system determines that the bank account balance is sufficient for the payment and the account transfer for the requested amount is processed(S14¯S16). The agency system transmits the card payment information to the electronic shopping mall and the shopping mall sends completion information to the PC(S24).
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