Patent ID: 7478065
Filing Date: 2009-01-13
Classification: G06Q

Abstract:
1. A payment transaction method between a user having a portable mobile device and a service point that includes a plurality of payment terminals, each of the plurality of terminals including a payment terminal identification that distinguishes each of the plurality of payment terminals of the service point from each other, the method comprising: determining a total amount of a transaction by a payment terminal of the service point and informing a user about the total amount of the transaction and about a payment terminal identification identifying the payment terminal; indicating the payment terminal identification to the mobile device; first preparing a transaction initiation record in the mobile device by linking the payment terminal identification of said indicating to a user identification identifying the user the transaction initiation record including the payment terminal identification and the user identification; first transmitting the transaction initiation record from the mobile device via a contact-less interface to the payment terminal of said indicating; second transmitting the transaction initiation record from the mobile device via a mobile radio network to a central transaction unit; second preparing a transaction placing record by the payment terminal after receiving the transaction initiation record from said second transmitting, the transaction placing record including the user identification, the payment terminal identification, and a total amount of the transaction; third transmitting said transaction placing record by the payment terminal via a communication network to the central transaction unit; and fourth transmitting a payment request by the central transaction unit via the mobile radio network to the mobile device that performed said first and second transmitting.