| 摘要 |
A real time paperless payment control and electronic receipt system for managing transaction receipts (20) issued by a point of sale (30), comprises the steps of providing an electronic receipt card to the consumer that comprises a consumer identifier, providing retailers with electronic means (30, 31) generating an electronic transaction receipt, transmitting the electronic transaction receipt (20) together with the costumers identifier to an electronic receipts storage means (41), providing at least one interface (35) to access manage and organize stored electronic receipts (20) within said electronic receipts storage means (41). It is characterized in that the electronic transaction receipt (20) generating electronic means (30) comprises an electronic funds transfer terminal (34; 35), in that said electronic receipt card is also a payment token usable within the electronic funds transfer terminal (34, 35) and comprising a consumer account identifier, wherein during a payment transaction a funds transaction code (24) is transmitted to the electronic funds transfer terminal (34, 35) adapted to forward said funds transaction code (24) together with the electronic transaction receipt (20) to said electronic receipts storage means (41), which can be a memory on the payment token or an external database. |
| 主权项 |
1. A real time paperless payment control method managing transaction receipts issued by a point of sale within an electronic receipt system, comprising the steps:
providing an electronic receipt card to the consumer that comprises a consumer identifier, providing retailers with electronic means (30) generating an electronic transaction receipt (20), transmitting the electronic transaction receipt (20) together with the consumer identifier to an electronic receipts storage means (41; 122), providing at least one interface (140, 150) to access, manage and organize stored electronic receipts (20) within said electronic receipts storage means (41; 122), characterized in that the electronic transaction receipt generating electronic means (30) comprises an electronic funds transfer terminal (30, 34, 35), in that said electronic receipt card is also a payment token usable within the electronic funds transfer terminal (30, 34,35) and comprising a consumer account identifier, wherein during a payment transaction (63) a funds transaction code (24) is transmitted to the electronic funds transfer terminal (30, 34, 35) adapted to forward said funds transaction code (24) together with the electronic transaction receipt (25) to said electronic receipts storage means (41; 122). |
