Abstract: A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.

Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server; the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.

Abstract: A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.

Abstract: The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant.

Abstract: The invention concerns a method of distributing one or more digital vouchers to the communications device of a user comprising: identifying, based on a user input to the communications device (106), a plurality of digital vouchers; displaying on a display of said communications device an advertising link to each of said plurality of digital vouchers; and in response to a selection by said user of one or more of said advertising links, transmitting one or more digital vouchers corresponding to said selected links to said communications device.

Abstract: The invention concerns a method of distributing one or more digital vouchers to the communications device of a user comprising: identifying, based on a user input to the communications device (106), a plurality of digital vouchers; displaying on a display of said communications device an advertising link to each of said plurality of digital vouchers; and in response to a selection by said user of one or more of said advertising links, transmitting one or more digital vouchers corresponding to said selected links to said communications device.

Abstract: The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant.

Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server; the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server, the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant

Abstract: The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant.

Abstract: The invention concerns a system for controlling user access to a service having a read device (210) arranged to contactlessly read a payment card (211) of a user; and a control block (214) coupled to an entry gate (202), the control block arranged to determine whether online payment authorization should be requested for the payment card, wherein if it is determined that online payment authorization should be requested, the control block is arranged to allow the user access to the service prior to completing an online payment authorization for the payment card.

Abstract: The invention concerns a method of making an electronic payment by an electronic payment device comprising: transmitting from said electronic payment device (206) to an electronic receiving device (208, 210) a first money token (204) comprising at least data indicating an identifier of said first money token and an amount indicating a payment sum of said first money token, wherein said first money token further comprises an electronic watermark.

Abstract: The invention concerns a method of updating, by a mobile device (106), the value of a digital voucher having an initial value, comprising: receiving, by said mobile device from a remote server (102), said digital voucher having said initial value; receiving, by a processing unit of said mobile device, at least one input parameter; calculating, by said processing unit, a new value of said digital voucher based on said at least one input parameter; and displaying said new value on a display of said mobile device.

Abstract: The invention concerns a method of distributing one or more digital vouchers to the communications device of a user comprising: identifying, based on a user input to the communications device (106), a plurality of digital vouchers; displaying on a display of said communications device an advertising link to each of said plurality of digital vouchers; and in response to a selection by said user of one or more of said advertising links, transmitting one or more digital vouchers corresponding to said selected links to said communications device.

Abstract: The invention concerns a system for controlling user access to a service having a read device (210) arranged to contactlessly read a payment card (211) of a user; and a control block (214) coupled to an entry gate (202), the control block arranged to determine whether online payment authorization should be requested for the payment card, wherein if it is determined that online payment authorization should be requested, the control block is arranged to allow the user access to the service prior to completing an online payment authorization for the payment card.