Patent ID: 9152965
Filing Date: 2015-10-06
Classification: G06Q

Abstract:
1. A method for transferring financial value from a payer to a payee, wherein a payment device of the payer contacts a trusted third party for activating a payment transaction of the financial value and the trusted third party provides a payment confirmation for the payer comprising the status of the payment transaction for the payer as well as a payment confirmation for the payee comprising the status of the payment transaction for the payee, wherein the following steps are performed: generation of a payee information message by a payment device of the payee with the payee information message comprising payment relevant data of the payee; transmission of the payee information message to the payment device of the payer; generation of a payment initialisation message by the payment device of the payer with the payment initialisation message comprising payment relevant data of the payer and the payee for activating the payment transaction at the trusted third party; transmission of the payment initialisation message to the trusted third party; processing of the payment initialisation message and execution of the payment transaction of the financial value from an account of the payer to an account of the payee by the trusted third party; generation of the payment confirmation for the payer and the payment confirmation for the payee by the trusted third party; execution of a confirmation transmission procedure, wherein the payment confirmation for the payer is transmitted to the payment device of the payer and the payment confirmation for the payee is transmitted to the payment device of the payee, said confirmation transmission procedure comprising the steps of: generation of a combined payment confirmation message by the trusted third party with the combined payment confirmation message comprising the payment confirmation for the payer and the payment confirmation for the payee; transmission of the combined payment confirmation message to the payment device of the payer; processing of the combined payment confirmation message by the payment device of the payer and extraction of the payment confirmation for the payer; generation of an indirect payment confirmation message for the payee by the payment device of the payer with the indirect payment confirmation message for the payee comprising the payment confirmation for the payee; transmission of the indirect payment confirmation message for the payee to the payment device of the payee; processing of the indirect payment confirmation message for the payee by the payment device of the payee and extraction of the payment confirmation for the payee.