Patent AT-E401556-T1: [Translated] METHOD FOR PROCESSING A CASHLESS PAYMENT TRANSACTION

Proposed is a method for processing a cashless payment transaction between an owner of a personal electronic means of payment ( 1, 12 ) and a payee. The special feature of the inventive method is that at a first time (t 1 ) a data record is transmitted from the owner's personal electronic means of payment ( 1, 12 ), directly or by means of a personal device ( 8 ) of the owner, to an electronic intermediate carrier ( 2 ) which is formed as a physically separate unit with regard to the owner's personal electronic means of payment ( 1, 12 ), and at a second time (t 2 ) which is later than the first time (t 1 ) the data record or data derived therefrom are transmitted from the electronic intermediate carrier ( 2 ) to the payee.