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

摘要

In an electronic settlement system, a local link is established between a sales terminal and a payee terminal. The sales terminal transmits settlement information including payment data to the payee terminal, and establishes a first communication channel to a settlement center in response to receipt of a payee-terminal identifier identifying the payee terminal and transmits a first signal containing the settlement information and the identifier to the settlement center. The payee terminal transmits the payee-terminal identifier to the sales terminal when a password is entered thereto after the payee 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 payee-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.