| 摘要 |
"SHIFT", is a radically different Credit Card Internet Security System that converts the current "Vendor Take From" system, to a "Cardholder Pay To" system, where purchases are made over the Internet, but where payments for the purchase are made with the use of the "SHIFT" Unit by the Cardholder over the Cardholder's home telephone line. The "SHIFT" E-Commerce Security System employs an approximately two inch by four inch by three quarter inch device that contains a numeric keypad and eight or more additional activation keys, and has a twenty or more character LCD screen. It contains a battery backup system, with low battery warning light, an "on" warning light and in and out telephone jacks. It employs a data string consisting of seven or more fields that accept DTMF (Dual Tone Multi Frequency) inputs and the cover contains instructions for making a Credit Card Purchase. The use of the disclosed "SHIFT" Internet Credit Card Security and Electronic Banking System by Credit Card issuers will drastically reduce (if not totally eliminate) Credit Card thefts and frauds, basically because no Credit Card numbers are ever given to any Vendor, on or off of the Internet. The "SHIFT" System permits the Consumer to retain total control of what funds are disbursed from their Credit Card accounts, thereby generating absolute Consumer confidence that their Credit Card or Bank Account numbers will never be stolen and misused by "Hackers". Such absolute Consumer confidence will result in virtually One Hundred Percent (100%) of Credit Card holders using their Cards on the Internet, which ought cause Internet sales to skyrocket. The use of the disclosed "SHIFT" System for electronic banking by virtually anyone having a bank account, will bring electronic banking to the fruition contemplated by the Banking Industry. Because no computer is needed, virtually anyone can begin employing electronic banking to pay their bills and do their normal banking functions immediately, thereby saving the Consumer the costs of checks, stamps and envelopes and the banking Industry the cost of processing paper checks.
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