# US 2014/0156530 A1 · Method and Device for Carrying Out Cashless Payments > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156530 A1 - Document ID: US20140156530A1 - Status: Published application - Kind: A1 - Application number: 14/128,277 - Filed: 2012-06-19 - Published: 2014-06-05 - Earliest claimed: 2011-06-22 - Inventors: Michael Suitner - Web page: https://patentgrep.com/patent/US20140156530A1 ## CPC - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/18: involving self-service terminals [SST], vending machines, kiosks or multimedia terminals - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/383: {Anonymous user system} - G06Q 20/385: {using an alias or single-use codes} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method for carrying out cashless payments by means of mobile telecommunications terminals, wherein each mobile telecommunications terminal stores a subscriber identifier and a payment limit, which is assigned to the subscriber identifier, a transaction code, which is specific to the payment transaction, includes generating them using an algorithm and transmitting the mobile telecommunications terminal. The telecommunications terminal transmits the subscriber identifier, the transaction code and the payment limit to a cash register system of a cashless payment transaction, where the transmitted payment limit is compared to the desired payment amount and the validity of the transaction code is checked using a verification algorithm stored in the cash register system. If the check is positive, the payment is released in the cash register system. ## Claims ### Claim 1 A method for carrying out cashless payments by means of mobile telecommunications terminals, wherein each telecommunications terminal stores a subscriber identifier and a payment limit, which is assigned to said subscriber identifier, comprising the steps: generating a transaction code, which is specific to the payment transaction, using an algorithm, transmitting the transaction code to the mobile telecommunications terminal, transmitting the subscriber identifier, the transaction code and the payment limit from the mobile telecommunications terminal to a cash register system of the payment recipient in the context of a cashless payment transaction, comparing the transmitted payment limit to the desired payment amount in the cash register system, checking the validity of the transaction code in the cash register system using a verification algorithm stored in the cash register system, releasing the payment in the cash register system, if the following conditions are fulfilled: the desired payment amount lies within the payment limit and the transaction code is valid, storing the released payment in the cash register system for a later or immediate transfer to a payment processing center to initiate a debiting order, wherein the subscriber identifiers are stored in the payment processing center and a respective payment limit is assigned to each subscriber identifier, and the payment processing center transmits the payment limit to the mobile telecommunications terminal, wherein the payment limit, which is assigned to a subscriber identifier in the payment processing center, is reconciled with a stored payment limit, which is assigned to the respective subscriber identifier in a banking network, wherein a payment limit, which was changed after a reconciliation is transmitted to the mobile telecommunications terminal, which corresponds to the subscriber identifier, together with a new transaction code. ### Claim 2 (depends on 1) The method according to claim 1, wherein the initiating of the debiting order comprises the following steps: transmitting a data set from the cash register system to the payment processing center, wherein the data set includes at least the subscriber identifier and the payment amount, and transmitting the subscriber identifier from the payment processing center to a banking network in the context of a debiting order, wherein personal account numbers and subscriber identifiers are stored so as to be assigned to one another in the banking network or in an interface between the banking network and the payment processing center, and the subscriber identifier transmitted by the payment processing center is assigned to the corresponding account number and a debiting from an account is made using the account number. ### Claim 3 (depends on 2) The method according to claim 2, wherein the personal account number is a virtual account number, wherein virtual account numbers and actual account numbers are stored within the banking network so as to be assigned to one another and the virtual account number is assigned to the corresponding actual account number in the context of a debiting order. ### Claim 4 (depends on 1) The method according to claim 1, wherein the subscriber identifier, the transaction code and the payment limit are encoded in the mobile telecommunications terminal and are transmitted as code to the cash register system of the payment recipient, wherein the code is decoded in the cash register system. ### Claim 5 (depends on 4) The method according to claim 4, wherein the code is an optoelectronically-readable code, in particular a bar code, which is displayed on a display unit of the mobile telecommunications terminal. ### Claim 6 (depends on 1) The method according to claim 1, wherein the verification algorithm and the algorithm, which is used for generating the transaction code, are compatible with one another. ### Claim 7 (depends on 1) The method according to claim 1, wherein the algorithm, which is used for generating the transaction code, is stored in the payment processing center. ### Claim 8 (depends on 1) The method according to one of claim 1, wherein the verification algorithm is generated in the payment processing center and is transmitted to the cash register system. ### Claim 9 (depends on 1) The method according to claim 1, the transaction code is generated in the payment processing center. ### Claim 10 (depends on 1) The method according to claim 1, wherein the subscriber identifier is a device-specific identifier. ### Claim 11 (depends on 1) The method according to claim 1, wherein the mobile telecommunications terminal additionally transmits a time stamp to the cash register system, preferably in encoded form, in the context of the cashless payment transaction, and the time stamp is compared to the current time in the cash register system and the payment is released in the cash register system, if the difference between the current time and the time stamp does not exceed a defined value. ### Claim 12 (depends on 1) The method according to claim 1, wherein the method steps, which can be executed on the mobile telecommunications terminal, are implemented in a program application, which can be loaded to the device. ### Claim 13 (depends on 12) The method according to claim 12, wherein the subscriber identifier is an application-specific identifier, which is generated by the banking network and which is stored in the program application. ### Claim 14 (depends on 12) The method according to claim 12, wherein the application starts a PIN query prior to transmitting the subscriber identifier, the transaction code, the payment limit and the time stamp, if applicable, from the mobile telecommunications terminal to the cash register system, and the transmission only takes place if the PIN was entered correctly. ### Claim 15 (depends on 1) A device for carrying out cashless payments by means of mobile telecommunications terminals, in particular for carrying out a method according to claim 1, comprising an electronic payment processing center and at least one electronic cash register system of a payment recipient, wherein the payment processing center encompasses at least one database which stores subscriber identifiers of mobile telecommunications terminals and payment limits assigned to the subscriber identifiers, a transaction code generator, which generates a transaction code, which is specific to the respective payment transaction using an algorithm, and transfer means for transferring the transaction code and the assigned payment limit to the mobile telecommunications terminal and wherein the cash register system is embodied to receive and to check data transmitted by a mobile telecommunications terminal in the context of a cashless payment transaction, namely the subscriber identifier, the transaction code and the payment limit, wherein the cash register system encompasses input means for entering a payment amount, wherein the cash register system further encompasses processing means, which are embodied to compare the transmitted payment limit to the desired payment amount and to check the validity of the transaction code using a verification algorithm stored in the cash register system, wherein the cash register system further encompasses release means for releasing the payment, if the following conditions are fulfilled: the desired payment amount lies within the payment limit and the transaction code is valid, wherein the cash register system further encompasses a storage for storing the released payment, wherein the storage cooperates with a transfer means to pass the payment to the payment processing center either later or immediately for initiating a debiting order, wherein the payment processing center comprises reconciliation means, which cooperate with the banking network, to reconcile the payment limit, which is assigned to a subscriber identifier in the payment processing center with a stored payment limit, which is assigned to the respective subscriber identifier in a banking network, and wherein the reconciliation means are embodied with a trigger circuit to trigger the transmission of a payment limit, which was changed after a reconciliation process, to the mobile telecommunications terminal, which corresponds to the subscriber identifier, together with a new transaction code. ### Claim 16 (depends on 15) The device according to claim 15, wherein the transfer means of the cash register system is embodied to transfer a data set to the payment processing center, wherein the data set includes at least the subscriber identifier and the payment amount, and that the payment processing center is connected to a banking network, wherein the payment processing center is embodied to transmit the subscriber identifier to the banking network in the context of a debiting order. ### Claim 17 (depends on 16) The device according to claim 16, wherein personal account numbers and subscriber identifiers are stored so as to be assigned to one another in the banking network or in an interface between the banking network and the payment processing center, and the banking network is embodied to assign the subscriber identifier transmitted by the payment processing center to the corresponding account number and to debit an account using the account number. ### Claim 18 (depends on 17) The device according to claim 17, wherein the personal account number is a virtual account number, wherein virtual account numbers and actual account numbers are stored within the banking network so as to be assigned to one another and the virtual account number can be assigned to the corresponding actual account number in the context of a debiting order. ### Claim 19 (depends on 15) The device according to claim 15, wherein provision is made for encoding means for encoding the subscriber identifier, the transaction code and the payment limit and to transmit them to the cash register system of the payment recipient as code, and that the cash register system comprises decoding means for decoding the transmitted code. ### Claim 20 (depends on 19) The device according to claim 19, wherein the code is an optoelectronically-readable code, in particular a bar code, which is displayed on a display unit of a mobile telecommunications terminal. ### Claim 21 (depends on 15) The device according to claim 15, wherein the verification algorithm and the algorithm, which is used for generating the transaction code, are compatible with one another. ### Claim 22 (depends on 15) The device according to claim 15, wherein the payment processing center comprises a storage for the algorithm, which is used to generate the transaction code. ### Claim 23 (depends on 15) The device according to claim 15, wherein the subscriber identifier is a device-specific identifier. ### Claim 24 (depends on 15) The device according to claim 15, wherein provision is made for a clock module, which is suitable to additionally transmit a time stamp to the cash register system, preferably in encoded form, in the context of the cashless payment transaction, and for the cash register system to encompass a clock module and for the processing means of the cash register system to be embodied to compare the time stamp to the current time provided by the clock module of the cash register system, wherein the release means are embodied to release the payment, if the difference between the current time and the time stamp does not exceed a defined value. ### Claim 25 (depends on 15) The device according to claim 15, wherein provision is made for a program application, which can be executed on the mobile telecommunications terminal. ### Claim 26 (depends on 25) The device according to claim 25, wherein the subscriber identifier is an application-specific identifier, which is stored in the program application. ### Claim 27 (depends on 25) The device according to claim 25, wherein the application comprises a PIN query for querying a PIN prior to transmitting the subscriber identifier, the transaction code, the payment limit and the time stamp, if applicable, to the cash register system, wherein the transmission only takes place if the PIN was entered correctly. ### Claim 28 (depends on 17) The device according to claim 17, wherein the reconciliation means are embodied with a trigger circuit to trigger the transmission of a payment limit, which was changed after a reconciliation process, to the mobile telecommunications terminal, which corresponds to the subscriber identifier, together with a new transaction code. ### Claim 29 (depends on 18) The device according to claim 18, wherein provision is made for a clock module, which is suitable to additionally transmit a time stamp to the cash register system, preferably in encoded form, in the context of the cashless payment transaction, and for the cash register system to encompass a clock module and for the processing means of the cash register system to be embodied to compare the time stamp to the current time provided by the clock module of the cash register system, wherein the release means are embodied to release the payment, if the difference between the current time and the time stamp does not exceed a defined value. ### Claim 30 (depends on 18) The device according to claim 18, wherein provision is made for a program application, which can be executed on the mobile telecommunications terminal. ### Claim 31 (depends on 30) The device according to claim 30, wherein the subscriber identifier is an application-specific identifier, which is stored in the program application. ### Claim 32 (depends on 30) The device according to claim 30, wherein the application comprises a PIN query for querying a PIN prior to transmitting the subscriber identifier, the transaction code, the payment limit and the time stamp, if applicable, to the cash register system, wherein the transmission only takes place if the PIN was entered correctly.