HRP20010568A2 - Method of effecting cashless payments and a system for implementing the method - Google Patents

Description

This invention relates to the procedure for making cashless payments and to the system for its application.

Recently, cashless payment in shops has grown a lot, for various reasons. Among other things, customers no longer have to carry large sums of cash with them in order to make large purchases, so that, on the one hand, the risk of theft is reduced, and on the other, unplanned purchases are made possible. As for the seller, he is freed from dealing with large amounts of money.

The simplest means of payment of this type is a check, but it is very unreliable, since checks are easily stolen and misused, for example, after forging a signature. In addition, their use is problematic for both the buyer and the merchant.

For this reason, among other things, payment by credit cards was introduced, with which the owner of a valid credit card can "pay" with his signature in combination with the credit card number, or often, only with the card number. Here, too, there is a high risk of abuse, since there are no strict protection mechanisms. In addition to the signature, the merchant often has to call the central authorization office to make sure the card is still valid.

Due to the high costs and the fact that the owner of the credit card must always be granted a certain amount of credit, "smart cards" were introduced, which for now are often called cash cards. These chip cards use masking (encoding) technology, so that the amount of money can be stored on the card, so that the card can only be debited by authorized institutions. For the payment of larger amounts, a PIN is provided, which is checked directly from the chip card during payment. This method of payment requires considerable costs, since it is necessary to establish a whole network of toll stations. In addition, dealers must obtain appropriate reading devices.

In the patent application WO 98/47116, the procedure for making payments from the customer to the merchant via telecommunication devices is described, as well as the appropriate equipment for the application of this procedure. According to this procedure, the customer first establishes a connection with the so-called with a device for remote payment via mobile phone. That device then calls back to get the merchant's identification code and the amount to be paid. This remote payment device temporarily stores data about this transaction and sends a call to the buyer and merchant to obtain confirmation - after establishing the appropriate communication link and transferring the transaction code, which refers to that transaction and the amount to be confirmed. Upon receipt of the confirmation, this amount is transferred from the bank entered by the customer in the data bank of the remote payment device to the bank specified by the merchant in his data entry, or the first bank is instructed to make the transfer. For security reasons, the geographical location of the mobile phone is determined by the location, where the mobile phone is located, or by using GPS and comparing it with the list of allowed locations. This procedure is, first of all, technically complex in relation to determining the location, and secondly, the customer has to provide a relatively large amount of data via mobile phone, which can be tiring and errors can easily occur due to, mostly, small buttons and screens. In addition, it is not easy to enter any additional information about the transaction, for example, the purpose of payment or something similar.

Therefore, the purpose of this invention is to provide a procedure, which is simple, especially for the customer, but safe, for cashless payment, especially in different locations, as well as a system for applying this procedure. As for the customer, the transaction sequence requires a simple confirmation, for example entering a PIN number, without complex data entry or other necessary actions. In addition, a minimum of infrastructure (computer and support program) is required, both on the buyer's side and on the merchant's side, and in the most favorable case, the current equipment with a cash register and a bar code reading device is sufficient.

This object can be achieved by a method with the features of claim 1, which can be implemented by a system with the features of claim 18.

Unlike credit cards, the merchant cannot use the data exchanged during the connection for future transactions, due to the limited duration of the connection via mobile phone and entering the confirmation during that time.

In addition, it is possible to make a payment using a comparison device without the merchant having to obtain customer protection information. Until this moment, it is possible to make an anonymous payment.

In addition, customers who already own a mobile phone with a SIM card can use this process easily and cheaply. A special advantage of this procedure is that the use of mobile phones with SIM cards is already widespread, so a wide base of customers can pay using this invented procedure without additional investment or remembering a PIN number.

In addition, the merchant's station is technically very simple, because in the simplest case, for the implementation of this invention, one electronic cash register with a device for direct (online) payment at the merchant is sufficient. Likewise, a computer with modems and appropriate software support, for example, can serve as a dealer's station. In this way, it is possible to make a safe, cashless payment.

And, although the dealer's station and mobile phone are often spatially close, it is not necessary.

In addition, the customer no longer has to enter the amount to be paid. According to the invention, this method has this advantage over the WO/47116 method, because today, as a rule, the price is obtained automatically from the price card or using a barcode or other markings, which is read by a reader connected to the electronic cash register, so that it can be avoid repeatedly obtaining the sale price.

The goal is also achieved by means of this procedure and the system for applying the procedure with the features specified in request 3, that is, 19.

This second method has the same advantages as the first procedure, except that there is no anonymous payment; moreover, it has the advantage that the entries from the mobile phone are minimal, since it is called.

However, in contrast to the first procedure, the identification code, which goes with the SIM card, belongs to the merchant.

The goal is achieved by means of this procedure and system for the application of the same with features from claim 6, respectively 20.

The term "wireless transmission interface" also includes, as is generally the case in this application, appropriate devices for data processing, i.e. reading from memory, and transmitting or receiving and writing to memory. This may include special software support adapted for the dealer's station or mobile phone. Wireless transmission can be done via different media, eg light in the infrared or visible range, microwave or radio waves or even ultrasound. When microwaves or radio waves are used, BLUETOOTH is particularly suitable for the interface. Practically, indirect transmission is then possible, which does not require visible contact between the customer's mobile phone and the merchant's station. When using light, an IrDA or Air interface is preferable, where the transmission is carried out by infrared radiation in a limited spatial angular band, using a special protocol, which, on the one hand, reduces interference, and on the other, reduces the scope of manipulation.

As well as the advantages of the first procedure, the advantage of this one is that the manufacturer does not need any data about the customer, while at the same time, the customer does not have to enter any data about the trader himself.

In the first and second procedures, it may be necessary to load the device identification code for comparison in the first step. However, the identification code of the comparison device can be stored, so that when there is only one comparison device, the connection with it is established automatically on the basis of the stored identification code, or - if there are several comparison devices - it is only necessary to select one of the stored ones device.

The preferred embodiment of this procedure and the system for its application is determined by the associated requirements 2, 4, 5, 7-17. and the 21st, 22nd

In these applications, mobile phones should be understood to include combinations of mobile phones and other electronic devices, such as portable computers or generally terminal devices in a mobile radio network with a telephone as a component. However, the important feature is that the devices can be used with the use of a SIM card, which is preferably protected by a PIN. SIM cards are so-called a system of subscriber identification module cards, which store the data required to connect a mobile phone, especially details regarding the identification of the terminal, which must be entered into the mobile phone, so that it can function in the appropriate network. It is preferable that it includes devices conforming to the GSM standard, but other standards can also be used, which use hidden (encrypted) data transmission and protection of access to the mobile phone via data stored, for example, in the form of a SIM card and also with the use of access control via PIN. In general, in this application, a mobile phone with a SIM card and an identification code also includes those mobile radio terminal devices, which have solid, built-in components with the above-mentioned SIM card function, i.e. in which the data necessary for establishing a connection is stored, and in particular regarding terminal identification data.

In the simplest case, the identification code associated with or identifying the SIM card can be the telephone number of a mobile phone. However, in further elaboration, some other identification code determined by the phone user can be used, for example the identification code of the network operator and the unique identification code in the domain of the network operator, such as the account number with the network operator.

Identification codes, especially in the first and third procedures, are preferred in all cases, when they are stored on the SIM card and are automatically transmitted. Confirmations or establishing a connection in the third case (embodiment) can only be done through the connection established with that SIM card, which significantly increases protection, because, firstly, the passwords themselves are very easily misused, and secondly, the use of an identification code without a SIM card is not so easily possible, due to the automatic call for or yield of the identification code, which is stored on the SIM card, and SIM cards with their contents are not easy to forge. By using a mobile phone only with such a SIM card, the owner of that SIM card can provide confirmation for payment from the account belonging to the SIM card. Further protection lies in the fact that mobile phones with a SIM card are usually protected by a PIN stored on the SIM card, which must be entered at the beginning of use.

Since cell phone connections cannot be intercepted, or very difficult, manipulating the radio connection is, more or less, excluded.

The data to be sent can be sent in the form of speech or graphic and textual communication, which, for example, can be shown on the mobile phone screen. The comparison device must transmit this data in a suitable form to the mobile phone for this purpose.

The data, especially the confirmation data, can be entered into the mobile phone via speech, for which the comparison device must have a speech recognition device, or in the form of keystrokes, which are deciphered differently. Thus, data can be entered using a multi-frequency tone (digital) or through the SMS service, using the buttons on the mobile phone.

If the comparison device and the mobile phone are adapted in this way, the data display and data entry can be controlled from the menu. It is also preferable, for graphically displayed menus, to use, for example, WAP (wireless application protocol), as well as HTT or XC protocols (where no connection to the Internet is required).

In addition, it is possible to combine the verification data with additional security queries, such as, for example, passwords, PIN number, security ID card, biometric tests, such as fingerprint, speech or speaker recognition devices or other security devices .

The trading station comprises a device for inputting and outputting data, as well as an interface for connecting to comparison devices and is identified by means of an identification code. To connect the data to the comparison device, ordinary connections can be used, but any other type of telecommunication connection can also be used. So the interfaces are made according to them. In particular, a trading station can be a station that can connect with a mobile phone, and in the simplest case, it is a mobile phone itself.

Instead of transferring the identification code of the trading station, it is possible to transfer the name and location of the trading station to the mobile phone in the desired form and send them from there, after reading the name and location of the trading station, based on the identification code of the trading station from the table stored in the device for comparison.

In the first and second procedures, the connection with the comparison device can be permanent or established only after entering the appropriate data. This step is then considered as part of the first step for the transfer from the trading station to the comparison device. In the latter case, the connection between the comparison device and the trading station is broken again, after the transfer of the confirmation data, which is considered as part of the transfer step to the trading device.

If the connection with the mobile phone is not established in either the first or the second case, the transaction is terminated. In this case, it is preferable to send the corresponding code to the trading station, where the corresponding message appears. In a preferred form of the first and second processes, the merchant can easily send the reason for the transaction or additional information related to it to the comparison device. In particular, when products are identified by a product list, in relation to a product database, for example by means of product numbers and/or column digits, the merchant can easily transmit this data, together with the amount to be paid, to the comparison device, which then sends it to the customer. This is not so easily achieved with the process of WO/9847116, which starts with a call from a cell phone.

In the preferred implementation of the first and second procedures and corresponding systems, the mobile phone and the trading station have interfaces, through which identification codes can be transferred from one device to another, wirelessly. Instead of entering the identification code, the corresponding identification code can be transferred using the interface from one device to another, at the latest at the step where the identification code would otherwise be entered manually. In the case of the first procedure, the merchant can transfer through this interface, not only his identification code, but also additional data about the transaction to the mobile phone, so that the customer no longer has to enter anything, i.e. the merchant's identification code, amount, etc.

Interfaces for wireless data transmission can be analog, as in the third procedure, only the data processing is adjusted accordingly.

The IR interface in the mobile phone is designed in such a way that the identification code of the SIM card can be sent via the interface by pressing a button on the phone and/or the identification code can be loaded via the IR interface, stored and sent during a single telephone connection, by pressing a button, if we want, together with the identification code of the SIM card. It is desirable that the trading station has adequate memory and calling functions.

In a particularly desirable form of the third procedure and the adopted system for its application, the trading station and the mobile phone are made in such a way that the identification code of the trading station and additional data, especially the amount of money, are transmitted from the trading station to the mobile phone via a wireless connection, especially an IR connection, and there can be temporarily stored. In addition, the mobile phone is designed in such a way that stored data can be accessed and transferred while the connection lasts. In the third procedure, it is only necessary to enter the identification code of the SIM card.

The comparison device includes interface devices for connecting data with trading stations, as well as for connections with mobile phones and other merchant and subscriber devices to check the identification codes of trading stations and SIM cards, which are approved for this service, a transaction memory device for storing open transactions , a connection with the device, which keeps the account and the control device, which monitors all stages of processing and individual devices.

The comparison device also has its own identification code, in the simplest case, it is a phone number or an IP address.

Interface devices include devices through which a connection with a subscriber can be established and maintained. Depending on which network it is about, it can be ordinary analog.

working modulators/demodulators, but with digital networks, digital interface devices are used.

The comparison device includes subscriber and merchant verification devices, with which it is possible to verify whether the subscriber or trading station is authorized for this procedure. It can include devices for the subscriber's or merchant's memory, in which at least the identification codes of SIM cards and merchant stations, which are authorized for this service, are stored. In the simplest case, these can be ordinary files or data banks, in which additional data related to the identification code can be stored.

In a preferred form, the identification code of the SIM card and the account number for the device, which maintains the appropriate account management, are in each case stored in the subscriber's device for memory. If the identification code of the SIM card is not its phone number, it is also stored, together with the identification number. The control device then does not transfer the identification number of the SIM card to the account management device, but the account number, which corresponds to the identification number, based on information from the subscriber's memory device.

Therefore, the merchant station identification code and the associated account number for the account management device can be stored in the merchant's memory device. Then the control device does not transmit the identification code of the trading station to the device for keeping accounts, but data on the identification of the account, which corresponds to the identification code; these are, for example, in Germany, the account number and the bank code, based on the merchant's memory device. This also applies to the subscriber's memory device.

The accounting device can be integrated with the comparison device in a desirable form, which enables compact construction and very fast data processing, which is transmitted with little interference.

Regarding the data that is transferred, this procedure covers, for example, the amount of money and the identification code of the trading station, and in the second and third procedures, the identification code of the subscriber.

In a further preferred form of the first method or system for applying the first method, the open transaction is stored only for a certain time. If there is no confirmation within that period, the opened transaction is cancelled, and the trading station is informed that the transaction has been abandoned. Therefore, closeness in the time of certain relationships is necessary, as a further measure of protection.

In a further preferred form, the network of mobile phones and the comparison device are made in such a way that the comparison device can determine the phone number of the SIM card of the mobile phone from which it is called, and its phone number is used as an identification code for the SIM card. In this case, it is possible, in different variants of this procedure, without entering the identification number of the SIM card into the mobile phone, and instead, the telephone number of the SIM card is always determined in the device for comparison. At the same time, in the first and third procedures, this ensures that only the owner of the SIM card can confirm the transaction.

It is preferable that the device for comparison be such that it enables manual intervention of the working staff in the event of an error in the procedure.

It is desirable that the trading station and the device for comparison are such that they can perform several different variants of the procedure.

In addition to the above, there must also be the necessary networks for data and telephone communication, so that the procedure can take place. In this sense, they are also components of the system for applying this procedure.

According to this invention, the mentioned procedures can also be used as an advantage in making payments over the Internet, since there is no need for spatial proximity between the mobile phone and the merchant's device - so, in this case, the computer, which is used to connect to the Internet, should be considered as part of the merchant's device.

The embodiment of the invention will now be described according to the drawings, in which:

Figure 1 is a schematic view of the system according to one form of the invention

Figure 2 is a schematic view of the trading station of the system according to Figure 1.

Figure 3 is a schematic view of the comparison device from Figure 1.

Figures 4.a and 4.b are a greatly simplified schematic representation of the procedure, according to one form of the first procedure from the invention,

Figures 5.a and 5.b are a greatly simplified schematic representation of the process, according to one form of the second process of the invention, and

Figure 6 is a greatly simplified representation of the process, according to one form of the third process of the invention.

In Figure 1, the system according to the first form of the invention includes a mobile phone (2) with a SIM card and an IR interface, a trading station (1) with an IR interface and a comparison device (3). The identification code of the mobile phone can be transmitted from the phone to the trading station via an IR connection, between their IR interfaces.

The comparison device (3) can be connected to the mobile phone (2) via a mobile radio link and to the trading station (1) via a data exchange link.

Those three devices, the trading station (1), the comparison device (3) and the mobile phone (2), or more precisely its SIM card, have their identification codes for recognition, which in this form are the telephone numbers of the trading station, the comparison device and cell phone. However, instead of phone numbers, IP addresses can be used, for example.

The mobile phone (2) also includes a SIM card for the given telephone network - as is understood and as is usual - which needs to be activated by entering a PIN, as well as an IR interface, which is understood for data exchange. Therefore, it is set up so that it can transmit the delivered data and store it using the IR interface, upon such request during the established telephone connection. It is activated in order to carry out the procedure in the corresponding mobile network.

In Figure 2, the trading station (2) comprises an input device (5), e.g. a keyboard, an output device (4), e.g. a display device, such as a screen, and an infrared interface (6), which is so constructed, that it is possible to exchange data with a mobile phone, as well as the interface (8) for the data exchange connection. The control device (7) is connected to other devices and processes input data, issues data to be displayed on the output device (4), and receives and sends data via the IR interface (6) and/or data exchange interface (8), depending from that, whether the input data comes from the input device (5) or from other interfaces.

The comparison device (3) in Figure 3 includes an interface device (9) for connecting data with a trading station and an interface device (14) for mobile phone connections, a transaction data memory (10) for temporarily storing transaction data, a verification device at the merchant, in the form of a memory device (11) for storing the merchant's identification codes and the corresponding account numbers, the subscriber's verification device, in the form of the subscriber's memory device (12) for storing the subscriber's identification codes and the corresponding account numbers, connection to the management device accounting (15) and a control device (13) for processing and exchanging data on the above devices of the comparison device. In the simplest case, it can be a personal computer or another computer with appropriate telecommunications interface cards and appropriate software support.

Control devices (7) and (13) in the trading station, that is, on the device for comparison, are designed in such a way that they perform individual steps of the payment procedure. There are different forms of control device, depending on the procedure.

The course of one payment transaction, according to the form of the first procedure, can be seen from the following.

Figures 4.a and 4.b show a rough summary of the procedure in the form of a table, where the order of the steps of the procedure through the components of the individual mobile phone system (2), comparison device (3) and trading station (1) are shown one below the other , in the corresponding columns.

Basically, a sum of money and the merchant's identification code are sent from the trading station (1) to the comparison device (3) and are temporarily stored there, after checking the merchant's identification code. The dealer's identification code is loaded from the mobile phone (2), before or after establishing a connection with the comparison device (3), depending on the type of mobile phone. This can also be done by voice input and this code is transmitted together with the SIM card identification code to the comparison device, where the SIM card identification code is checked. By comparing the identification code of the trading station with those in the temporarily stored data, the amount of money to be transferred is determined, sent to the mobile phone (2) and to its output.

After entering the confirmation data, it is transferred to the comparison device (3), which sends this data to the trading station (1) and transfers the data to the accounting device (15), depending on the confirmation data.

The details of this form of procedure are as follows:

Initially, the amount of money to be paid and the identification code for the comparison device (3) are entered into the merchant's station (1) via the input device (5), while the identification code for the trading station (1) and the amount of money are transferred as transaction data to the comparison device (3) with this identification code, using the control device (7), after establishing a data transfer connection to the comparison device (3), via the data connection interface (8) and the data transfer connection .

The data is received in the comparison device (3) via the interface (9) for connecting data (data connection!)

After comparing the merchant identification code with the merchant identification codes entered in the merchant memory (11), in order to verify the legitimacy of this merchant station for these services, the control device (13) writes the transaction data into the transaction data storage device (10) of the device o comparison, as an open transaction. Before entering data into the trading station (1), or at the latest, after establishing a connection with the comparison device (3), the identification code, i.e. the telephone number of the trading station, is transmitted via the infrared interface (6) to the mobile phone (2). A connection is established from the mobile phone (2) to the comparison device (3), and the stored identification code of the trading station (1) and the mobile phone identification code are transferred to the comparison device (3). If the data transmission via the infrared interface temporarily does not work, the identification code can be entered using the keyboard. This input can be done in this way, when using a mobile phone without an IR interface.

The merchant station identification code transferred from the mobile phone (2) is compared in the comparison device (3) with the merchant identification codes for open transactions, stored in the transaction data storage device (10). If such a transaction is not found, the procedure is suspended, while the data about the transaction, which was found, is transmitted via the mobile radio interface to the mobile phone and output there. In addition, the identification code of the mobile phone is compared with the identification code of the subscriber, entered in the subscriber's memory (12), in order to determine whether the subscriber has permission to use that service. If he does not have such permission, the transaction is terminated, and the corresponding data is sent to the trading station (1).

After the request to enter the confirmation data via the keyboard on the mobile phone (2), the confirmation data is transferred to the comparison device (3), which in turn sends the confirmation data to the trading station (1), where it is presented.

In the control device (13) of the comparison device (3), a check is made, whether the confirmation data corresponds to the rejection or not. In the first case, the transaction is terminated, and in the second case, the data is read from the transaction data memory (10), the identification codes of the merchant station and mobile phone are converted into account numbers, based on the data from the merchant's memory and the transaction data, and now the data about transactions with the account number are transferred to the account management device (15). The transaction is deleted from the transaction data memory (10).

In the comparison device (3), it is constantly checked how long the transaction will remain open in the transaction data memory (10). If the predetermined duration of the open transaction is exceeded, this data is sent to the corresponding trading station (1), to indicate that the transaction has been canceled and that open transaction is deleted from the transaction data memory (10).

The flow of the payment transaction according to the form of the second procedure is shown in the form of a table in Figures 5.a and 5.b, as a rough summary, where the sequence of steps in individual components of the system - mobile phone, device for comparison and trading station, is shown one below the other, in corresponding columns.

In essence, the amount of money and the identification code of the merchant station (1) are loaded, as well as the identification code of the SIM card, via the IR interface (6), and are transmitted to the comparison device (3). After checking the identification code of the merchant and the identification code of the SIM card, a connection is established with the mobile phone (2), based on the identification code of the SIM card, and data is transferred, as output from the mobile phone (2). After entering the confirmation data and transferring it to the comparison device (3), the confirmation data is transferred to the trading station (1), and the transaction data to the account keeping device (15).

The procedure according to this form takes place as follows:

As for the device for performing this procedure, the schematic representations in Figures 1 to 3 are still valid, however, control devices 7 and 13, in accordance with the modified procedure, have a different mode of operation.

At the trading station (1), the amount of money to be paid, the identification code of the comparison device (3) and the identification code of the mobile phone (2), entered via the infrared interface (6), are loaded at the trading station. After establishing a connection for data transmission to the comparison device (3), the identification number of the trading station, the identification number of the mobile phone and the amount of money are transferred to the comparison device.

The data is received in the comparison device via the connection interface (9). The identification codes of the merchant station and SIM card are compared with the identification codes in the merchant's memory (11) and in the subscriber's memory (12), in order to determine whether the merchant and the subscriber are authorized to participate in these services. If only any permit is missing, the data is sent to the trading station (1) and the transaction is terminated. Otherwise, the data on the open transaction is written into the transaction data memory (10). Based on the identification code of the SIM card, a connection is established between the comparison device and the mobile phone (2), and the transaction data is transferred to the mobile phone, where the data is output through the mobile phone. If the connection cannot be established, the transaction is aborted.

Confirmation data is requested via mobile phone (2) and the entered confirmation data is transferred to the comparison device (3).

The comparison device (3) terminates the transaction if the confirmation data matches a rejection or if there is no response.

Confirmation data and possibly additional data about the transaction are transmitted to the trading station (1), while the termination of the transaction is transmitted as a rejection. The reason for termination can also be transferred. The transfer of transaction data is performed in the same way as in the first procedure.

The flow of the payment transaction according to the form of the third procedure is shown in Figure 6, in the form of a table, as a rough summary, while the sequence of steps of this procedure by individual components of the mobile phone system, comparison device and trading station is shown in the corresponding columns, one by one .

In essence, the identification code of the trading station (1) is entered into the mobile phone (2), a connection is established with the device for comparison (3), and the identification code of the trading station (1) and the SIM card, as well as the amount of money entered via the mobile phone (2) ), are transferred to the comparison device (3). After verifying the identification codes, it transmits at least the amount of money to the trading station, and the corresponding transaction data to the account management device.

The procedure, according to this form, takes place as follows:

Schematic representations in Figures 1 to 3 refer to the appropriate devices for performing this procedure, while control devices 7 and 13 have a different mode of operation, considering the modified procedure. Initially, the identification code of the trading station is transmitted from the trading station (1), via the IR connection to the mobile phone and is temporarily stored there. Then a connection is established with the comparison device (3) via a mobile phone (2).

The amount of money to be paid is then loaded via the mobile phone (2), and the identification code of the trading station (1) and the identification code of the SIM card are transferred to the device for comparison. The comparison device (3) checks whether the trading station (1) and the SIM card are registered for that service, based on the memory of the trader (11) and the subscriber (13). If this is not the case, the transaction is terminated, otherwise the account numbers are determined from the identification codes of the trading station and mobile phone or SIM card from the merchant's or subscriber's memory, and these account numbers, as well as the amount of money, are transferred to the account management device (15 ).

The confirmed amount of money is then transferred to the trading post (1).

Claims (22)

1. The procedure for performing a cashless payment transaction via a trading station (1), which has its own identification code, a mobile phone (2) with a SIM card, which has its own identification number, and a comparison device (3), which includes a device for storing transaction data ( 10), merchant verification device (11), to verify the identification codes of trading stations authorized to apply this procedure and subscriber verification device (12), to verify the identification codes of SIM cards authorized for this procedure and which is connected to account management devices (15), is indicated by the fact that it consists of the following steps: - loading the amount of money, which needs to be paid at the shopping station, - transmission of the identification code of the trading station and at least the amount of money to the device for comparison with this identification code, via a connection, - verification of the trading station's license for use with this procedure, using a merchant verification device, - termination of the procedure, if there is no permission, otherwise writing data, as an open transaction in the transaction memory device, device for comparison, - establishing a connection from a mobile phone to a device for comparison, - transfer of the identification code of the trading station and the identification code of the SIM card from the mobile phone to the device for comparison, - verification of the license of the SIM card for use by this procedure, using the subscriber verification device and, in case of lack of permission, termination of the procedure, deletion of the open transaction from the transaction memory and transfer of the corresponding data to the trading station, otherwise, comparison of the identification code of the trading station obtained from the mobile phone with codes of open transactions stored in the device for - transaction memory and, if no such transaction is found, the procedure is terminated, and if it is found, then: - data about the transaction is transferred to the mobile phone, - outputting (outputting!) data via mobile phone, - information on the confirmation via mobile phone is requested, - transfer of confirmation data to the device for comparison, - termination of the transaction and deletion of the transaction from the transaction memory, if the confirmation data means rejection, and otherwise, the transfer of the transaction data from the transaction memory and the identification code of the mobile phone to the account management device and deletion from the transaction memory 2. The procedure in accordance with claim 1 is indicated by the fact that the trading station (1) and the mobile phone (2) have interfaces (6) for wireless data transmission from the trading station to the mobile phone and by the fact that the identification code of the trading station is transmitted to the mobile phone via these interfaces for wireless data transmission, before the connection between the mobile phone and the comparison device (3) is established and because the identification code, stored there, can be transmitted while the connection with the comparison device lasts. 3. The procedure for performing a cashless payment transaction through a trading station (1), which has an identification code of the trading station, a mobile phone (2) with a SIM card and its identification code and a device for comparison (3), which includes a transaction memory device (10), merchant verification device (11), to verify the identification codes of trading stations authorized for use by this procedure and subscriber verification device (12), to verify the identification codes of SIM cards authorized for use by this procedure and, in the case when the SIM card identification code is not her phone number, a device for storing phone numbers, which belong to SIM cards, and which is connected to devices for keeping accounts (15), is indicated through the following steps: - uploading the amount of money to be paid and the identification code of the SIM card of the mobile phone at the shopping station, - transfer of the identification code of the trading station, the identification code of the mobile phone and at least the amount of money to the device for comparison with this identification code via the terminal (data link), - verification of the trading station's authorization to use this procedure by comparison with the data entered in the merchant verification device, verification of the authorization for the SIM card to use this procedure, through the subscriber verification device, - in the absence of authorization, termination of the procedure, otherwise, data entry as an open transaction in the transaction memory device, - in case the identification number of the SIM card is not its telephone number, reading the telephone number from the subscriber verification device based on the identification code, - establishing a connection from a comparison device to a mobile phone, - transfer of transaction data to a mobile phone, - transferring data from a mobile phone, - searching for confirmation information via mobile phone, - transfer of confirmation data to the device for comparison, - termination of the transaction, if the confirmation data means rejection, - transmission of confirmation data and possibly other transaction data to the trading station, - transfer of transaction data from the transaction memory and mobile phone identification code to the account management device and deletion of the transaction from the transaction memory. 4. The procedure according to claim 3 is indicated by the fact that the mobile phone (3) and the trading station (1) include interfaces for wireless data transmission and, at the beginning of the procedure, the identification code of the SIM card is transferred from the mobile phone (3) via these interface to the trading station (1) and is stored there, so that it can be used in subsequent steps in the trading station. 5. The procedure conforming to any of the previous requirements is indicated by the fact that the transaction is terminated, if the confirmation data is not provided within the predetermined period after the data is transferred from the trading station to the comparison device. 6. The procedure for performing a cashless payment transaction using a trading station (1), especially in that it includes the identification code of the trading station with an interface for wireless data exchange, a mobile phone (2) with a SIM card and its identification code, as well as an interface that corresponds to the interface for the wireless connection of the trading station and the comparison device (3), which includes the transaction memory device (10), the merchant verification device (11), to verify the identification codes of the trading stations authorized for this procedure, as well as the subscriber verification device (12 ), in order to verify the identification codes of SIM cards authorized for this procedure, which is connected to devices for keeping accounts (15), is indicated by the fact that it includes the following steps: - establishing a connection between the trading station (1) and the mobile phone (2) via the interface for wireless data exchange and transferring the merchant's identification code to the mobile phone, - verification of SIM card authorization for use by this procedure, using a subscriber verification device, - in the absence of authorization, the procedure is terminated, - loading the amount to be paid, the identification code of the trading station and the identification code of the mobile phone, and transferring them to the device for comparison, - verification of the trading station's authorization to use this procedure, - using the merchant's verification device, - if there is no authorization, the procedure is terminated, otherwise the identification codes of the trading station and mobile phone, as well as the amount of money, are sent to the account management device, - transfer of the confirmed amount of money to the trading post. 7. The procedure in accordance with requirement 6 is indicated by the fact that, as well as the merchant's identification code, further transaction data is transferred in the first step. 8. The procedure according to claim 6 or 7 is indicated by the fact that the identification code of the SIM card is also transmitted in the last step. 9. The method according to any preceding claim, characterized in that the wireless interface is in the form of an infrared interface. 10. The method according to any preceding claim, characterized in that the wireless interface is in the form of a microwave interface. 11. The procedure in accordance with any previous request is indicated by the fact that further data about the transaction is transferred to the device for comparison or mobile phone, from the trading station. 12. The method according to any preceding claim is characterized in that, when one of the necessary connections cannot be established, the transaction is terminated and, if necessary, the corresponding, stored, open transactions in the transaction memory (19), on the comparison device (3) are deleted. 13. The procedure according to any preceding claim, is indicated by the fact that the identification codes are replaced by appropriate account identification data before transfer to the account management device (15). 14. The procedure in accordance with any previous requirement is indicated by the fact that, when no connection can be established with the trading station (1) or mobile phone (2), at least one more attempt is made to establish that connection and only then, after that, the transaction terminates. 15. The procedure in accordance with any previous requirement is indicated by the fact that, if a single connection cannot be established, the communication is given to the trading station (1) or the mobile phone (2), before the procedure is terminated. 16. The procedure in accordance with any previous requirement is indicated by the fact that the identification code of the SIM card is the one that is stored on the card itself, and the identification of the card and the transfer of the identification code, which goes with the SIM card, takes place automatically, during the transfer data between the mobile phone (2) and the comparison device (3). 17. The procedure in accordance with any previous request is indicated by the identification code of the SIM card being its telephone number. 18. The system for applying the procedure according to claim 1 is characterized by the fact that it includes a trading station (1), which has its own identification code, a mobile phone (2) with a SIM card and its identification code, a comparison device (3), which includes a device for transaction data memory (10), merchant verification device (11), to verify the identification code of trading stations authorized for this procedure and subscriber verification device (12), to verify the identification codes of SIM cards authorized for this procedure and which is connected with devices for keeping accounts (15), where the trading station (1) comprises an input and output device (4., 5.) and a device (8) for establishing a connection for data exchange with a mobile phone (2); the comparison device (3), furthermore, includes interface devices (9) for connecting and exchanging data with trading stations, interface devices (14) for connection with a mobile phone, as well as control devices (13), which after establishing a connection and transferring data about transaction from the merchant station, checks the merchant station's permission to use this procedure, using the merchant verification device (11), and terminates the procedure, if there is no permit, and otherwise enters the transferred data into the transaction data memory device (10), upon establishment connection from the mobile phone (2) and the received identification code of the SIM card, checks the SIM card permission for this procedure, using the subscriber verification device (12), and terminates the procedure, if it does not have such permission, and otherwise compares the identification code with the data entered in the device for memory of the transaction data and, when it finds a transaction with the same identification code of the SIM card, it transmits the data about the found transaction to the mobile phone via the connecting interface device of the mobile phone and sends a request for its confirmation, and receives the confirmation data via the interface device for connecting the mobile phone, interprets it as acceptance or rejection, transmits the confirmation data via the interface device to the trading station and, in case of acceptance, transmits the transaction data and identification mobile phone code to account management device. 19. The system for applying the procedure according to claim 3 is characterized by the fact that it includes a trading station (1), which has its own identification code, a mobile phone (2) with a SIM card and its identification code, a comparison device (3), which includes a device for transaction data memory (10), merchant verification device (11), to verify the identification code of trading stations authorized for this procedure and subscriber verification device (12) to verify the identification codes of SIM cards authorized for this procedure and, if the identification code is not a telephone number, stores a telephone number, and is connected to the accounting devices (15), where the trading station (1) comprises an input and output device (4, 5) and a device (8) for establishing a data exchange connection with mobile phone (2); the comparison device (3) further includes interface devices (9) for connecting and exchanging data with trading stations, interface devices (14) for connection with a mobile phone, as well as control devices (13), which after establishing a connection and transferring transaction data from merchant station, checks the merchant station's permission to use this process, using the merchant verification device and the SIM card permission for this process, using the subscriber verification device, and terminates the process if there is no permission, and otherwise enters the transferred transaction data into the data memory device about the transaction, establishes a connection via the mobile phone connection interface device, which corresponds to the mobile phone identification code contained in the transaction data, transmits the transaction data to the mobile phone and sends a confirmation request, and receives the confirmation data via the mobile phone connection interface device, interprets them as acceptance or rejection and, in case of acceptance, transmits the confirmation data to the trading station via the device interface, and sends data about the transaction and the identification code of the mobile phone to the account management device. 20. The system for application of the procedure according to claim 6 is characterized by the fact that it includes a trading station (1), which has its own identification code with an interface for wireless data transmission, a mobile phone (2) with a SIM card and its identification code and an interface, which corresponds to the wireless transmission interface in the trading station, and a comparison device (3), which includes a device for the memory of transferred data (10), a device for verifying the merchant (11), for checking the identification codes of trading stations authorized for this procedure, and a device for verifying subscribers (12), for checking the identification codes of SIM cards authorized for this procedure, which is connected to accounting devices (15), where the trading station (1) includes an input and output device (4, 5) and a device (8) for connecting to a comparison device, the comparison device (3) includes interface devices (9) for connection, for data exchange with commercial stations, interface devices (14) for connecting mobile phones, as well as control devices (13), which, after establishing a connection from the mobile phone (2), receives the identification code of the mobile phone, the amount of money to be paid and the identification code of the trading station, checks the trading station's permission for this procedure, using the merchant verification device and the SIM card permission to use this procedure, using the subscriber verification device, and terminates the procedure if there is no permission, and otherwise transfers the amount of money via the interface device to the trading station and transfers the amount of money, the mobile identification code and the identification code of the trading station to the accounting device and deletes the corresponding transaction from the transaction data memory. 21. The system in accordance with all requirements 18 to 20 is characterized by the fact that the comparison device (3) includes a subscriber verification device (12), which contains the identification code of each mobile phone with the associated account number in the management device accounts and by the fact that the control device transmits to the account management device, the account number, which corresponds to the identification code, based on the data in the subscriber verification device, and not the identification code of the mobile phone. 22. The system, conforming to all requirements from 18 to 20, is characterized by the fact that the comparison device (3) includes a merchant verification device (11) in which the identification code of each trading station and the corresponding account number are located in the management device accounts and by the fact that the control device transmits to the device for keeping accounts, the number of the account, which corresponds to the identification device, based on the data, which are in the memory device of the trader, and not the identification number of the trading station.