METHOD AND SYSTEM OF ELECTRONIC PAYMENT TRANSACTION, IN PARTICULAR BY USING CONTACTLESS PAYMENT MEANS

摘要

A method of electronic payment transaction is charac-terized by the fact that during processing of one payment transaction, a communication link (3) between the card (1) and the terminal (2) is interrupted and the ARPC answering file is received to the card (1) af-ter the original communication link (5) is interrupted. Two phases are separated by a reset of the card (1) where in the second phase initial payment data (ARQC) are used. Electronically signed ARQC payment file is stored in the card's (1) memory for at least until the correspond-ing time ARPC answering file is of received and processed. The solu-tion enables to place the mobile phone with a payment card (1) near to the terminal's (2) reader twice. The first time, a request for on-line au-thorization is generated and during the second touch the information from the payment processor (5) is recorded into the payment applica-tion.