| 摘要 |
The system comprises a mobile communication terminal (100) with a NFC module (110), a credit and/or debit card (200) with a NFC chip (210), a payment gateway server (300), and at least one financial server (400, 500, 600). The mobile communication terminal (100) is configured to act as a merchant terminal by activating a payment program module (120). The credit and/or debit card number of the purchaser is read from the NFC chip (210) into the NFC module (110), credit or debit is selected manually or automatically, the amount of the payment and the security code of the purchaser are inserted into the payment program module (120). The credit and/or debit card number, the amount of the payment as well as the credit and/or debit card number or account number of the merchant are sent from the mobile communication terminal (100) to the payment gateway server (300) for acceptance. The financial transaction is after acceptance executed from the purchaser to the merchant through the payment gateway server (300) or directly between the financial servers (400, 600) of the relevant financial institutions. |
