| 摘要 |
PROBLEM TO BE SOLVED: To invalidate the storage medium of data in failing in user authentication and to make safely the storage medium of the data restored by a request of the user afterward in an electronic settlement system. SOLUTION: In this electronic settlement system consisting of a financial institution server P and a user client terminal C connected to an open network N, etc., the server P is provided with means Dr and Dks holding user information and a cryptographic key for communication, and the terminal C is provided with a message transmitting means Mm, an operation controlling means Me, a displaying/inputting means Mi, a message processing means Mp and a data converting means Md. Invalidation and restoration processing of settlement data is performed by using a settlement data recording medium Du and an authentication information recording medium Dkc capable of being attached and detached which are distributed as a pair from a financial institution beforehand as a means storing data to be used by the terminal C for services. |
