Payment terminal, and associated method and program
AssigneeCompagnie Industrielle et Financiere D'Ingenierie "Ingenico"
InventorsDavid Naccache, Michael Troumelin
Life of this patent
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Abstract
An electronic payment terminal includes a data entry device, a processor and a memory. The memory contains a structure arranged to list at least one customer identifier, a personal identification number and an amount, all associated. The memory also contains a program having comprising instructions for storing, in an example of the structure after entry, the customer identifier and the personal identification number. The same example of the structure is then updated locally by payments out and in made on the terminal on behalf of the customer identified.
Claims11
Electronic payment terminal comprising:
- a data entry device,
- a processor, and
- a memory containing:
- a structure arranged to list at least one customer identifier, a personal identification number and an amount, corresponding to a local credit and/or debit account for making at least one purchase, resident in said payment terminal, all associated, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized credit and/or debit account;
- and
- a program comprising instructions for storing in at least one of said structure or a copy of said structure after entry, said customer identifier and said personal identification number,
- said payment terminal being configured to perform locally at least one of a debit or credit operation on the local credit and/or debit account.
Method for making a payment locally in a payment terminal that comprises a processor and a memory, the method comprising:
- detecting, from said payment terminal, a signal for finding a local credit and/or debit account, resident in said payment terminal for making at least one purchase, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized account;
- associating, in said payment terminal, said local credit and/or debit account to a customer;
- linking to said local credit and/or debit account a personal identification number chosen by the customer and recording said local credit and/or debit account in said payment terminal, and
- performing locally at least one of a debit or a credit operation with the payment terminal on the local credit and/or debit account within said payment terminal, in response to detection of the signal.
A non-transitory computer readable medium that can be read by a payment terminal and comprising a computer program product stored thereon, which includes program code for implementing a method of making a payment locally when said program is functioning on the payment terminal, the method comprising:
- detecting, from said payment terminal, a signal for finding a local credit and/or debit account, resident in the payment terminal for making at least one purchase, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized account;
- associating, in the payment terminal, a local credit and/or debit account to a customer;
- linking to said local credit and/or debit account a personal identification number chosen by the customer and recording said local credit and/or debit account in the payment terminal;
- and
- performing locally at least one of a debit or a credit operation with the payment terminal on the local credit and/or debit account within said payment terminal, in response to detection of the signal, to settle the financial transaction without having recourse to the remote centralized account.
Dependencies are inferred from the claim text.