| 摘要 |
Disclosed is a card reader, and a settlement/authentication system and method using the same. The card reader reads a pseudo number stored in an IC card, decrypts it, and generates a one-use user number on the basis of the decrypted pseudo number and the password input through an input unit. The card reader is connected to an agency terminal (e.g., a PC), and the agency terminal provides the user number provided by the car reader to the settlement/authentication system on the network so as to request a transaction settlement or user authentication on the network. The settlement/authentication system compares a current user number with a user number transmitted from the agency terminal according to an order, and performs settlement or authentication. Hence, the present invention settles or authenticates the transactions via the IC card, and allows a different user number in the next transaction to fundamentally protect the IC card user. |
