System of settlement transaction and method

A settlement transaction method operable in a settlement transaction system including:

• 1) an IC card for storing card identification information to be referred to at a settlement transaction,
• 2) a terminal for reading the card identification information having been stored in the IC card, for preparing item selection information on an item to be purchased and for transmitting the prepared item selection information together with the card identification information,
• 3) a settlement server connected to the terminal for receiving the item selection information sent from the terminal, for preparing settlement information, using a settlement information creating program having been stored in the settlement server, in accordance with both item selection information and the card identification information, and for transmitting the prepared settlement information, and
• 4) an on-line settlement server for receiving the settlement information, and for executing a settlement transaction in accordance with the received settlement information, the settlement transaction method comprising steps of:
• A) at the settlement server, preparing both IC card communication text and an IC card communication command including instructions regarding communication between the terminal and the settlement server, using the settlement information creating program;
• B) at the settlement server, sending the prepared IC card communication text and the IC card communication command toward the terminal;
• C) at the terminal, sending IC card communication information including both the IC card communication text and IC card communication command which have been sent from the settlement server toward the IC card;
• D) at the IC card, preparing and sending an IC card communication response in accordance with the IC card communication text towards the terminal, the IC card communication response being arranged to include identification information;
• E) at the terminal, preparing IC card communication reply text in response to the IC card communication response and an IC card communication reply command, and sending the prepared IC card communication reply information including both the IC card communication reply text and the IC card communication reply command;
• F) at the settlement server, preparing information to be used at a settlement transaction by the on-line settlement server in accordance with the prepared IC card communication reply text prepared and sent by the terminal, and sending the prepared information toward the on-line settlement server;
• and
• G) at the on-line settlement server, performing settlement transaction in accordance with the information sent from the settlement server.