| 摘要 |
A virtual account (110) is opened in a mobile phone firm (10) for each user (12) of a mobile phone (13). A user (12) deposits advance payment in a virtual account (110) using a mobile phone (13). Advance payment is paid in combination with telephone charges or by means of a credit card or a debit card. A balance of a virtual account is stored in a mobile phone (13). When shopping at a virtual store on the Internet, the phone number of a mobile phone (13) is transmitted, and , when shopping at a real store, the phone number is sent to a POS terminal. Each store bills a settlement amount to a mobile phone firm. Therefore, settlement can be made with high security and simplicity by using a mobile phone. |
