PAYMENT APPARATUS AND METHOD

摘要

A secure payment system for authorised point of sale transactions enables a user to pay electronically for goods using a handheld device such as a mobil e phone (115). No confidential information need be held on the handheld device (115), all financial data being held within the payment system. A short-rang e wireless connection is provided to the handheld device (115) and the user ha s only to enter a PIN to initiate a transaction. The system includes a client device (100) and a server device (110). The server device (110) maintains us er profiles which enables customisation, for example of transaction receipts an d payment methods. Transaction receipts can be transmitted to a preselected location, for example by email or SMS, which provides an additional security check for the user.