Abstract: A device (1, 33) for readout of and/or communication with a consumer carried token is proposed comprising a first area (5) for wireless radiofrequency detection and/or communication; and a second area (6) spatially separated from said first area for a wireless optical detection and/or communication; wherein said first area (5) is located above said second area (6). Said second area (6) comprises a cavity with at least a front opening (53) for inserting said token by a user, bordered by at least a bottom surface (7), a backside wall (41), and a top illumination unit (54), wherein said top illumination unit (54) comprises at least one essentially vertical translucent skirt (8) with its free edge (55) pointing towards the second area (6); as well as an opening (9).

Abstract: A device (1, 33) for readout of and/or communication with a consumer carried token is proposed comprising a first area (5) for wireless radiofrequency detection and/or communication; and a second area (6) spatially separated from said first area for a wireless optical detection and/or communication; wherein said first area (5) is located above said second area (6). Said second area (6) comprises a cavity with at least a front opening (53) for inserting said token by a user, bordered by at least a bottom surface (7), a backside wall (41), and a top illumination unit (54), wherein said top illumination unit (54) comprises at least one essentially vertical translucent skirt (8) with its free edge (55) pointing towards the second area (6); as well as an opening (9).

Abstract: A method for simple and secure payment handling includes at least the following steps: transmission of identification information to a mobile device (MG); transmission of the purchase sum into a terminal (T); connection of the debit card to the terminal (T); transmission of purchase sum and identification information (ID) from the terminal (T) to a payment institution (ZI); transmission of payment sum and identification information (ID) from the payment institution (ZI) to a coordination entity (KI); association of the identification information (ID) with the mobile device (MG) and transmission of the purchase sum to the mobile device (MG) for authorisation; in the event of verification of the purchaser, transmission of the authorisation via the coordination entity (KI) to the payment institution (ZI) and prompting of debiting of an account of the purchaser; transmission of confirmation of the payment from the payment institution (ZI) to the terminal (T).