CONSUMER CREDIT AND PAYMENT METHOD IN A CLOUD PAYMENT SERVICE, AND PAYMENT TERMINAL

摘要

The present invention pertains to the technical field of payment means. The invention relates to a consumer credit and payment method in a cloud payment service including the following steps: the cloud payment service (6) stores a consumer credit (21) which is linked to the identifier of a beneficiary (7); in order to pay the value of a completed transaction (26), the beneficiary (1) requests the consumer credit payment function (24), the cloud payment service (6) transmits a payment confirmation (27) and defines a new, updated consumer credit value (28). The present invention also relates to a payment terminal.