Payment transaction method and payment transaction system

US6934689B1 · kind B1 · utility

Assignee

• Swisscom Mobile AG · CH

Inventors

• Rudolf Ritter · Zollikofen, CH
• Eric Lauper · Bern, CH

Key dates

• Filing date: Oct 25, 1999
• Grant date: Aug 23, 2005
• Expiry date: Oct 25, 2019

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/322
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Payment transaction method and payment transaction system in which payment transactions between customers with portable mobile devices, for example mobile radio telephones, and a plurality of payment terminals are carried out at a service point, the payment terminal responsible for a payment transaction informing a respective customer about the total transaction amount and the transaction identification of the payment transaction, the transaction identification comprising a payment terminal identification, the mobile device transmitting, via a contactless device interface, the transaction identification, entered in the mobile device by the customer, to the payment terminal, identified through the payment terminal identification, the payment terminal transmitting, after receipt of the transaction identification, a payment request comprising a service point identification, the payment terminal identification and the total transaction amount, via the contactless device interface to the mobile device, and a payment record which comprises the payment request and a customer identification, being prepared in the mobile device and being transmitted from the mobile device via the contactles…