公开(公告)号：US20130036052A1

公开(公告)日：2013-02-07

申请号：US13564565

申请日：2012-08-01

申请人： Cheol-Ju Hwang ,  Do-Jun Yang ,  Jin-Goo Seo

发明人： Cheol-Ju Hwang ,  Do-Jun Yang ,  Jin-Goo Seo

IPC分类号： G06Q20/40

CPC分类号： G06Q20/027

摘要： A credit transaction system, apparatus, and method are capable of grading credit to other people. The credit transaction system includes a relay unit, a user terminal, and a seller terminal. The relay unit stores credit information including at least one of credit card information and account information of a credit owner, user information and terminal information on a user designated by the credit owner, and credit limit information on a limit usable by the user. The user terminal transmits the user's terminal information to a seller terminal corresponding to the seller. The seller terminal transmits billing records on the goods or service purchased by the user in response to the received user's terminal information. Here, the relay unit performs an authentication process for the user corresponding to the user terminal, and then relays to process payment regarding the billing records via the credit information within the credit limit information.

摘要翻译： 信用交易系统，仪器和方法能够对其他人进行评级。 信用交易系统包括中继单元，用户终端和卖方终端。 中继单元存储信用信息，包括信用卡信息的信用卡信息和信用所有者的帐户信息，用户信息和信用所有者指定的用户的终端信息，以及关于用户可使用的限制的信用限额信息。 用户终端将用户终端信息发送给与卖方对应的卖方终端。 卖方终端响应于所接收的用户终端信息，在用户购买的商品或服务上传送记帐记录。 这里，中继单元对与用户终端对应的用户进行认证处理，然后通过信用限额信息内的信用信息中继处理关于记帐记录的付款。