- 专利标题： SETTLEMENT SYSTEM, USER TERMINAL AND METHOD EXECUTED THEREBY, SETTLEMENT DEVICE AND METHOD EXECUTED THEREBY, AND PROGRAM
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申请号： US16065210申请日： 2016-11-04
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公开(公告)号： US20190236580A1公开(公告)日： 2019-08-01
- 发明人: Takatoshi NAKAMURA
- 申请人： NTI, Inc.
- 优先权： JP2015250700 20151222
- 国际申请： PCT/JP2016/082872 WO 20161104
- 主分类号： G06Q20/32
- IPC分类号： G06Q20/32 ; G06Q20/38 ; G06Q20/10 ; G06Q20/36 ; G06Q20/40
摘要：
A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and upper limit amount information identifying an amount are inputted in a user terminal 100 (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device, the settlement device allows a user's payment (S928).