Method for Processing a Cashless Payment Transaction
First Claim
1. A method for cashless processing of a transaction for paying for a service between an owner of a personal electronic means of payment and a payee, comprising the steps:
- transmitting at a first time (t1) a data record assigned to the service from the owner'"'"'s personal electronic means of payment, directly or by means of a personal device of the owner, to an electronic intermediate carrier which is formed as a transferable unit physically separate from the owner'"'"'s personal electronic means of payment, and at a second time (t2) which is later than the first time (t1), checking the data record or data derived therefrom by a receiving device of the payee as to whether the service was rendered correctly.
2 Assignments
0 Petitions
Accused Products
Abstract
Proposed is a method for processing a cashless payment transaction between an owner of a personal electronic means of payment (1, 12) and a payee. The special feature of the inventive method is that at a first time (t1) a data record is transmitted from the owner'"'"'s personal electronic means of payment (1, 12), directly or by means of a personal device (8) of the owner, to an electronic intermediate carrier (2) which is formed as a physically separate unit with regard to the owner'"'"'s personal electronic means of payment (1, 12), and at a second time (t2) which is later than the first time (t1) the data record or data derived therefrom are transmitted from the electronic intermediate carrier (2) to the payee.
16 Citations
25 Claims
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1. A method for cashless processing of a transaction for paying for a service between an owner of a personal electronic means of payment and a payee, comprising the steps:
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transmitting at a first time (t1) a data record assigned to the service from the owner'"'"'s personal electronic means of payment, directly or by means of a personal device of the owner, to an electronic intermediate carrier which is formed as a transferable unit physically separate from the owner'"'"'s personal electronic means of payment, and at a second time (t2) which is later than the first time (t1), checking the data record or data derived therefrom by a receiving device of the payee as to whether the service was rendered correctly. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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- 17. A system for cashless processing of a transaction for paying for a service, comprising a personal electronic means of payment of an owner, an impersonal electronic intermediate carrier arranged to be physically separate from the personal electronic means of payment, and a receiving device of a payee, wherein the personal electronic means of payment is arranged to transmit a data record assigned to the service directly to the electronic intermediate carrier, or a personal device of the owner is provided for transmitting the data record from the personal electronic means of payment to the electronic intermediate carrier, and the receiving device is arranged to check the data record as to whether it renders the service correctly.
Specification