Patent ID: 8500008

Claim:
A method for performing a contactless electronic payment transaction, the method comprising: creating a payment file on a removable memory card for a mobile communication device; communicating the payment file from the card to a payment terminal over a communication link; interrupting the communication link between the card and the payment terminal; resetting the card; restoring the communication link between the card and the payment terminal; electronically signing the payment file on the card using payment data received from the payment terminal after resetting of the card, wherein the payment file is communicated to a payment processor via the restored communication link between the card and the payment terminal; receiving from the payment processor an answering file that includes data relating to the payment file in encoded form; processing the answering file to define a statement of acceptance or rejection of a payment transaction; and providing the statement of acceptance or rejection to the payment terminal, wherein data created on the card before the interruption of the communication link are used to complete the payment transaction after resetting the card.