Method and apparatus for performing a cashless payment transaction
OwnerGero Offerinventor
Life of this patent
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Abstract
A method for performing a cashless payment transaction using a mobile terminal having an image output device, a trader station having an image reading device and a central station which is connected to the trader station via a data network, where the image output device of the mobile terminal displays graphically coded output information suitable for authenticating a user, the output information being read into the trader station by the image reading device and being authenticated by the central station.
Claims12
A method for performing a cashless payment transaction using a mobile terminal having an image output device and an identifying identifier, a trader station having an image reading device and a central station connected to the trader station via a data network, the method comprising the steps of:
- displaying graphically coded output information, via the image output device, suitable for authenticating a user;
- reading the graphically coded output information into the trader station by an image reading device;
- transforming the graphically coded output information into a digital code;
- and
- authenticating the digital code by the central station.
A mobile terminal for performing a cashless payment transaction, comprising an encryption device for encrypting user information into a digital code, the user information including at least one of a PIN number, an identification number stored on an SIM card in the mobile terminal and a telephone number.
A central station for performing a cashless payment transaction, comprising:
- a credit memory for storing an electronic credit associated with a user;
- a user memory for storing at least one item of authentication information associated with the user, the authentication information including at least one of a PIN number, an identification number stored on an SIM card in the mobile terminal and a telephone number;
- a decryption device for decrypting a digital code received from a trader station into user information;
- a comparator device for comparing the authentication information stored in the user memory with the user information decrypted by the decryption device, and for triggering a confirmation signal from a confirmation device if authentication has occurred;
- and
- a decimation device for decimating the electronic credit by a sum received from the trader station in response to the confirmation signal.
Dependencies are inferred from the claim text.