Identification of a user of a mobile terminal and generation of an action authorisation

A method for the handling of a payment procedure between a user of a mobile terminal and a payment recipient, with the aid of the mobile terminal, an identification module, and a payment terminal of the payment recipient, comprising the following steps:

• a) transmitting an authorization request for the payment procedure and an identification code from the mobile terminal to the identification module, whereby the authorization request indicates parameters of a payment authorization requested,
• b) checking by the identification module as to whether a payment authorization for the identification code with at least one parameter is permissible, and, if it permissible:
• c) generating a transaction code for the payment procedure requested by the identification module,
• d) transmitting the transaction code from the identification module to the mobile terminal and to the payment terminal, whereby the transaction code displays in relation to the payment terminal (3) the fact that the identified user is entitled to carry out the payment procedure specified by the parameter.

A method for the handling of a payment procedure between a user of a mobile terminal and a payment recipient, with the aid of the mobile terminal, an identification module, and a payment terminal of the payment recipient, whereby the communication between the mobile terminal, the identification module and the payment terminal is carried out via an air interface, having a first phase comprising the following steps:

• a1) transmitting an authorization request for the payment procedure, an identification code, and a maximum amount for a payment as a payment framework from the mobile terminal to the identification module,
• a2) checking by the identification module as to whether an authorization for the identification code is permissible, and, if it is permissible:
• a3) generating a transaction code for the payment procedure requested by the identification module,
• a4) transmitting the transaction code from the identification module to the mobile terminal and to the payment terminal, and transmitting the payment framework from the identification module to the payment terminal, further comprises a phase following in time with the following step:
• b1) concluding the payment procedure by the transmission or input of a code into the payment terminal, as a result of which the payment procedure is concluded.