Electronic payments using payment cards

摘要

A method of making a payment uses a mobile communication device (1) and a payment card (2), both the mobile communication device (1) and the payment card (2) being provided with a respective near field communication unit (11, 21) and at least the mobile communication device (1) being provided with an input unit (12) for inputting data. The method comprises the steps of:
€¢ the mobile communication device (1) receiving, through its near field communication unit (11), account data (ACD) from the payment card (2),
€¢ the mobile communication device (1) receiving, through its near field communication unit (11) or its input unit (12), amount data (AMD) indicative of an amount to be paid,
€¢ the mobile communication device (1) transmitting, via a mobile communication link, a payment order (PAO) to a first financial institution (100), the payment order including the account data (ACD) and the amount data (AMD),
€¢ the first financial institution (100) transferring the amount indicated by the amount data (AMD) to a second financial institution (200) identified by the account data (ACD) and transmitting a confirmation (CON) to the mobile communication device (1),
€¢ the second financial institution (200), upon receipt of the amount, sending a previously stored password (PWD) to the mobile communication device (1), and
€¢ the mobile communication device (1) rendering the password (PWD).