Transaction management

A server (130) for performing at least partly a transaction wherein the transaction is initiated with a near field communication (NFC) interaction between an NFC reader (120) and a user terminal (110) that includes a subscriber identity module (310) residing therein, the server (130) comprising:

• a processing unit (420);
• and
• a memory unit (430) storing portions of computer program code,
• wherein the processing unit (420) upon execution of the computer program code, is caused to:
• receive, at the server (130), a request for the transaction, the request including an amount of the transaction and an identifier, the identifier obtained via the NFC interaction between the NFC reader (120) and the user terminal (110), whereby the identifier is retrieved from a secure data storage element of the subscriber identity module residing in the user terminal,
• obtain a payment card number corresponding to the identifier included with the request by initiating a query to a data storage accessible to the server, the data storage storing information on at least one identifier and at least one payment card number corresponding to the identifier,
• initiate a transaction request towards a transaction management system that manages transactions with the obtained payment card corresponding to the identifier retrieved from the subscriber identity module (310), where the transaction request comprises the amount of the transaction and the obtained payment card number, and
• determine whether the transaction request toward the transaction management system (140) is successful, where in the event a successful acknowledgment is received from the transaction management system to the transaction request, a positive acknowledgement message is generated, and in the event an unsuccessful acknowledgement is received from the transaction management system to the transaction request, the transaction is canceled.

A system for performing at least partly a transaction initiated with near field communication (NFC), the system comprising:

• a NFC reader (120), configured to interact with a secure element (320) of a subscriber identity module (310) of a user terminal (110) in order to retrieve an identifier stored in the secure element;
• a transaction management system (140) for confirming the transaction;
• and
• a server (130) communicatively coupled to the NFC reader and to the transaction management system, the server configured to
• receive a request for the transaction from the NFC reader, the request including an amount of the transaction and the identifier, the identifier obtained via an NFC interaction between the user terminal (110) and the NFC reader (120) whereby the identifier is retrieved from the secure element of the subscriber identity module of the user terminal,
• obtain a payment card number corresponding to the identifier included with the request by initiating a query to a data storage accessible to the server, the data storage storing information on at least one identifier and at least one payment card number corresponding to the identifier,
• initiate a transaction request towards a transaction management system that manages transactions with the obtained payment card corresponding to the identifier retrieved from the subscriber identity module (310), where the transaction request comprises the amount of the transaction and the obtained payment card number, and
• determine whether the transaction request toward the transaction management system (140) is successful, where in the event a successful acknowledgment is received from the transaction management system to the transaction request, a positive acknowledgement message is generated, and in the event an unsuccessful acknowledgement is received from the transaction management system to the transaction request, the transaction is canceled.