Patent ID: 6934689

Claim:
Payment transaction method for conducting a payment transaction between a customer with a portable mobile device and a service point, comprising: determining a total transaction amount to be paid and a transaction identification assigned to the total transaction amount at a payment terminal of the service point, wherein the transaction identification includes a payment terminal identification identifying the respective payment terminal from a plurality of payment terminals existing at the service point; informing the customer about the total transaction amount and the transaction identification; entering the transaction identification into the mobile device; extracting the payment terminal identification from the transaction identification; transmitting by the mobile device, via a first contactless device interface, the transaction identification directly to the payment terminal based on the payment terminal identification; transmitting by the payment terminal, after receipt of the transaction identification, a payment request including a service point identification, the payment terminal identification, and the total transaction amount, via a second contactless device interface directly to the mobile device; and accepting the payment transaction based on the payment request by, preparing a payment record in the mobile device, the payment record including a linking of the payment request to a customer identification of the customer, and transmitting the payment record from the mobile device via the first contactless device interface directly to the payment terminal.