Method of settling signatureless payment of bank card sales slip in mobile terminal, and system therefor

摘要

Provided is a method of and system for settling signatureless payment of a slip of bank card sales in a mobile terminal such as a cellular phone, a personal digital assistant, and a smart phone, having a mobile IC (Integrated Circuit) chip card, to then be printed on a transaction approval sales slip, to thereby make personal authentication completed and prevent the sales slip from being forged or fabricated, without signing on a customer's autographical signature of the sales slip. The signatureless payment settlement system has an algorithm for producing a personal authentication value in an IC chip card mounted on the mobile terminal including the cellular phone or PDA (Personal Digital Assistant), and receives a card issuing company key, card issuing information, a card password, an IC chip card produced random number to produce a personal authentication value. Then, the signatureless payment settlement system transmits the generated authentication value to the mobile payment settlement terminal in a card affiliated shop together with the card information through an IR (Infrared Ray), RF (Radio Frequency), or bluetooth communication, to then make the personal authentication value printed on the customer signature column of the sales slip output from the credit card inquiring machine (CAT) or the POS (Point of Sales) system, at the time when a transaction is approved. Accordingly, the signatureless payment settlement system solves inconveniences that a customer who uses a card should sign on a slip of sales at a card affiliated shop, and shortens a card transaction approval time. Also, when a validity of transaction by use of a card is challenged, a card issuing company can confirm the validity of the card use for verification. As a result, the signatureless payment settlement system can prevent forgery, fabrication, or falsification of the sales slip, to thereby prevent an illegal card use.