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Method for individual authentication and settlement by using member card and Cellular phone

IP.com Disclosure Number: IPCOM000015709D
Original Publication Date: 2002-Feb-08
Included in the Prior Art Database: 2003-Jun-21
Document File: 3 page(s) / 363K

Publishing Venue

IBM

Abstract

Disclosed is a structure which enables safe attestation and settlement of accounts rather than a credit card using cellular phone and the member card without a credit function.

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  Method for individual authentication and settlement by using member card and Cellular phone

   Disclosed is a structure which enables safe attestation and settlement of accounts rather than a credit card using cellular phone and the member card without a credit function.

A common member card has a thing with the credit function, and the thing which it does not have. In the case of the card with the credit function , it cannot say that the check is fully made by a sign, a photograph of face, and the improper use by the card theft etc. is occurring frequently. Moreover in the Internet dealings, check is only the level of knowing the card number, so it is completely defenseless and has become the mental prevention factor of on-line shopping promotion. On the other hand, the spread of cellular phones is remarkable, almost all people have it, and is considered to be Device which can be used for specifying an individual. Thus, a member card and a cellular phone have the similarity that they are always carried and can be used for individual specification. And the billing system has already existed in the cellular phone. This disclosure is related with a structure which enables safe attestation and settlement of accounts rather than a credit card using cellular phone and the member card without a credit function.

Fig.1 shows the use image.

会員番号

携帯番号

User Profile

Cellular phone

DIMember Company

Cellular phone N um ber

Billing Data

Phone Number Query

Auto Call

PIN Code

Cellular phone

Shop

Billing

Bill/Receipt

Member Card

Fig.1 Use Image

Scenario:...