Patent ID: 6453296
Filing Date: 2002-09-17
Classification: G06Q

Abstract:
An electronic credit system comprising:a first terminal for a user; a second terminal for a shop; and a third terminal for an agency; said first terminal and said second terminal having a first common encryption means, which is common to said first terminal and to said second terminal; said first terminal and said third terminal having a second common encryption means which is common to said first terminal and to said third terminal; said second terminal and said third terminal having a third common encryption means, which is common to said second terminal and to said third terminal; said first terminal being arranged to send a credit request by using said second encryption means to said third terminal, to receive a credit message encrypted by use of said third encryption means corresponding to said credit request from said third terminal and to send a purchase request with product information and the credit message by first encryption means to said second terminal; said third terminal being arranged to account for said product according to said credit message after said user receives said product corresponding to said purchase request and said first terminal sends price information of said product by second encryption means to third terminal.