Electronic settlement system using separate communication channels for settlement between sales and payer terminals

摘要

In an electronic settlement system, a local link is established between a sales terminal and a Payer-terminal. The sales terminal transmits settlement information including payment data to the Payer-terminal, and establishes a first communication channel to a settlement center in response to receipt of a Payer-terminal identifier identifying the Payer-terminal and transmits a first signal containing the settlement information and the identifier to the settlement center. The Payer-terminal transmits the Payer-terminal identifier to the sales terminal when a password is entered thereto after the Payer-terminal has received the settlement information, establishes a second communication channel to the settlement center and transmits the password and a second signal containing the settlement information and the Payer-terminal identifier to the settlement center. The settlement center performs a settlement process if the password is a registered password and the first and second signals are identical to each other.