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Transaction method with a mobile apparatus

  • US 20040199474A1
  • Filed: 04/26/2004
  • Published: 10/07/2004
  • Est. Priority Date: 06/27/1997
  • Status: Active Grant
First Claim
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1. A transaction method between a dent and a point-of-transaction (POT) apparatus, wherein said POT-apparatus is connected to a servr via a telecommunication network, said method comprising:

  • linking, in the POT-apparatus, client data, a POT-apparatus identification (POSID) and transaction-specific data into a transaction voucher, wherein said client data comprises at least one client idenification (IDUI), read from a memory of a portable identification element of the client, which identification element contains at least one processor configured for transmitting data via a contact-free interface and not through said telecommunication network to said POT-apparatus;

    transmitting a debit order from said POT-apparatus to said identification element of said client through said contact-free interface and not through said telecommunication network, said debit order including at least said transaction-specific data, the POT-apparatus identification (POSID) and said dent identification (IDUI);

    verifying, by said identification element of said client, that said debit order correlates with said client identification (IDUI);

    upon successful verification, transmitting said transaction voucher to said server via said telecommunication network.

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