Patent ID: 8032460

Claim:
A store communication terminal, comprising: a memory configured to store transfer source store account information and store ID information; a receiver configured to receive customer ID information from a memory of a customer mobile communication device; an input device configured to input monetary amount information that a store is to pay a customer; and a transmitter configured to transmit at least one of the store ID information, the transfer source store account information, the customer ID information and the monetary amount information to the customer mobile communication device for authentication, wherein the receiver is configured to receive at least one of authenticated store ID information, authenticated transfer source store account information, authenticated customer ID information and authenticated monetary amount information from the customer mobile communication device and if the authentication using the customer mobile communication device is successful the transmitter is configured to transmit at least one of the store ID information, the transfer source store account information, the customer ID information and the monetary amount information to an authentication manager that further authenticates the at least one of the store ID information, the transfer source store account information, the customer ID information and the monetary amount information, wherein the authentication manager communicates with a first financial institution based on the store ID information and retrieves information of a store account and communicates with a second financial institution based on the customer ID information and retrieves information on a customer ID account, and wherein, upon successful authentication using the authentication manager, a monetary amount based on the monetary amount information is transferred from the store account of the first financial institution to the customer account of the second financial institution.