| 摘要 |
PURPOSE: An Internet cash card, cash purse and automatic teller machine(ATM) for Internet cash, and method for paying, inquiring and transferring money over Internet is provided to allow users to purchase products and pay money for such purchase over both real environment and network environment. CONSTITUTION: An Internet cash card(2) is authenticated by an authentication algorithm compatible with a cash card in accordance with the account database stored in an Internet cash bank(8) and a real bank(14), and operations of payment, inquiry and money transfer are carried out by the approval of the Internet cash bank and real bank. An Internet cash purse(24) stores Internet cash and Internet cash card, and is authenticated by an authentication algorithm compatible with a credit card/cash card in accordance with the account database stored in the Internet cash bank and real bank. An automatic teller machine(4) for Internet cash is connected to an Internet cash bank, real bank and credit card company, and issues Internet cash cards authenticated in accordance with the compatible authentication algorithm of a credit card/cash card. The automatic teller machine for Internet cash requests an approval for payment, inquiry and money transfer for the Internet cash card, to the Internet cash bank and real bank, and performs such operations as payment, inquiry and money transfer over a network environment in accordance with the result of the request for approval.
|
