| 摘要 |
PROBLEM TO BE SOLVED: To provide an electronic payment system which evade problems of credit of banks and credit card companies to member retailers and problems of utilization value of networks of the banks and credit card companies by interposing an agent payment institution between them. SOLUTION: The agent payment institution is interposed between communication networks connecting consumers, the member retailers of unlimited business, and the banks and credit card companies, and this agent payment institution provides plural password codes for a consumer in advance; and the consumer purchases an article from a member retailer through the agent payment institution with a proper password code, the member retailer confirms the identity of the consumer with the said password code through the agent payment institution and bills the agent payment institution for the sale, and the agent payment institution confirms the identity of the consumer with the said password code and bills the bank or credit card company for the sale. Then, the bank or credit card company bills the consumer to receive the money from the consumer, and the bank or credit card company pays the money to the member retailer through the agent payment institution. |
