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AssigneeId Loop AB
InventorsJan VESTLUND, Peter THORANDER, Rolf NORBERG, Johan ANSTRELL, Mikael ARONOWITSCH, Anders HOLMLUND
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Method for cash card payment in a payment station for debit and credit cards. The invention is characterised in that the cash card (1) comprises a processor and is caused to store a unique identity associated with a money amount, which exists at a money institution (3), such as a central bank, or which is caused to be transferred from a bank account or the corresponding, to the money institution, in that the transferred amount is caused to be stored on the cash card (1), in that the amount lacks a connection to the proprietor of the cash card except via the said identity, in that, at payment using the cash card (1), the amount to be paid is caused to be transferred, together with the said identity, from the cash card (1) to a payment terminal (5) comprising the said payment station, in that the payment terminal (5) is caused to store the paid amount together with the said identity and that a remaining amount after payment is counted down on the cash card and is stored on the cash card, and in that the payment terminal (5) is caused to activate the money institution (3) to transfer, using the identity, the amount to be paid using the cash card (1) to an account (7) belonging to the point of sale where the payment terminal (5) is located.
Method for cash card payment in a payment station for debit and credit cards which cash card comprises a processor, wherein said card is caused to store a secret cryptographic key as well as a unique identity associated with a money amount, which money amount exists at a money institution, such as a central bank, or which is caused to be transferred from a bank account or the corresponding, to the money institution, wherein the transferred amount is caused to be stored on the cash card, wherein the amount lacks a connection to the proprietor of the cash card except via the said identity, wherein, at payment using the cash card, the amount to be paid is caused to be transferred, together with the said identity and a number calculated using the secret cryptographic key and by the card processor, from the cash card to a payment terminal comprising the said payment station, wherein the payment terminal is caused to store the paid amount together with the said identity and the said calculated number, that a remaining amount after payment is counted down on the cash card and is stored on the cash card, wherein the payment terminal is caused to activate the money institution to transfer, using the identity, the amount to be paid using the cash card to an account belonging to the point of sale where the payment terminal is located, wherein the payment terminal is caused to perform a calculation using the parameters that were used to perform the said calculation by the card processor using the card's public cryptographic key, and wherein the said transfer is only performed at a match between the number calculated by the cash card processor and the number calculated by the payment terminal.
Dependencies are inferred from the claim text.