SOFTWARE CREDIT CARD SETTLEMENT SYSTEM AND METHOD USING MOBILE PHONE, AND METHOD FOR ISSUING THE SOFTWARE CREDIT CARD

摘要

A system and a method for software credit card settlement using a mobile terminal including software credit card contents, and the method for issuing a software credit card are provided to realize offline credit card settlement using the mobile terminal without additionally installing a device to a member shop terminal of the credit card and exposing a card number to the outside. A credit card application information register(110) registers application information including an account number and a mobile number from a customer. A certification authority system linker(120) verifies a wired certificate and receives a wireless certificate by linking with a certification authority system(400). A bank system linker(130) verifies the account number by linking with a bank system(410). A software credit card contents generator(150) generates the software credit card contents including credit card information and a settlement process application program, and downloads it with the wireless certificate to the mobile terminal(200). A software credit card settler(180) receives card transaction information including purchase price and a member shop number from the mobile terminal, and examines/transmits transaction approval to the mobile terminal.