WO2000038121A1 - Method and payment system for a seller to give back an amount of change to a buyer - Google Patents

Method and payment system for a seller to give back an amount of change to a buyer Download PDF

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Publication number
WO2000038121A1
WO2000038121A1 PCT/NL1999/000796 NL9900796W WO0038121A1 WO 2000038121 A1 WO2000038121 A1 WO 2000038121A1 NL 9900796 W NL9900796 W NL 9900796W WO 0038121 A1 WO0038121 A1 WO 0038121A1
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WO
WIPO (PCT)
Prior art keywords
buyer
amount
seller
payment system
change
Prior art date
Application number
PCT/NL1999/000796
Other languages
French (fr)
Inventor
Maarten Henricus Johannes Maria Van Oss
Original Assignee
Eurocoin B.V.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Eurocoin B.V. filed Critical Eurocoin B.V.
Priority to AU20064/00A priority Critical patent/AU2006400A/en
Publication of WO2000038121A1 publication Critical patent/WO2000038121A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for a seller to give back an amount of change to a buyer when an amount is paid by the buyer to the seller which is greater than the amount payable by the buyer to the seller. Use is made of an electronic payment system in which at least the following steps are performed: a. payment card information of a payment card, known per se, of the buyer and change information regarding the amount of change is inputted into the electronic payment system; and b. by the electronic payment system, the amount of change is subsequently credited to an account, related to the payment card, of the buyer and debited to an account of the seller.

Description

Title: Method and payment system for a seller to give back an amount of change to a buyer.
The invention relates to a method for a seller to give back an amount of change to a buyer when an amount is paid by the buyer to the seller which is greater than the amount payable by the buyer to the seller. The invention also relates to an electronic payment system for automatically performing a financial transaction, in which the payment system comprises at least one computer, at least one input unit connected to the computer and at least one payment card belonging to a buyer, the input unit being arranged to read payment card information of the buyer's payment card.
In the known method, the amount of change is given back to the buyer in cash. This has as a drawback that the seller must at all times have sufficient cash in his cash register. It often occurs that specific coins or a some bank notes are short in the seller's cash register, so that it becomes complicated and sometimes even impossible to return the change .
When the euro is introduced, the above-outlined problems will become still greater. Indeed, during a transitional period, it becomes necessary for the seller to have in cash both the national currency, such as for instance the guilder, and the euro. During the transitional period, the buyer can selectively pay in the national currency or in Eurasia. When the buyer pays the seller in cash, the seller, if the buyer does not pay the exact money, has to return the change to the buyer in the same currency as the currency in which the buyer paid the seller. Accordingly, the seller should have both currencies in cash. It will then occur even more often than outlined hereinabove that the seller does not have sufficient coins and bank notes in both currencies in cash to be able to pay back, in a simple manner, the change in the relevant currency. .Often, it will even not be possible at all to pay back the amount of change to the buyer in the correct currency.
The object of the invention is to meet the drawbacks outlined. Accordingly, the method according to the invention is characterized in that use is made of an electronic payment system in which at least the following steps are performed-: a. payment card information of a payment card, known per se, of the buyer and change information regarding the amount of change is inputted into the electronic payment system; and b. by the electronic payment system, the amount of change is subsequently credited to an account, related to the payment card, of the buyer and debited to an account of the seller. Hence, according to the invention, the amount of change is electronically paid by the seller to the buyer by debiting the amount of change to the seller's account and crediting it to the buyer's account. Since the above can be performed electronically, it is possible that in step b. the amount of change credited to the buyer's account is credited in a currency which is the same as or different from the currency in which the buyer has paid the seller. Conversion of the currency can be carried out entirely automatically.
It is even possible that the amount paid by the buyer to the seller is paid in a particular currency as desired by the buyer, while in step b. the amount of change is processed in a currency which is the same as or different from the currency in which the buyer has paid the seller. Generally, in step b., the amount of change will be processed in the same currency as the currency in which the buyer has paid the seller.
Hence, it is no longer necessary that the seller be forced to hold in cash a substantial amount of change in one or more currencies. Indeed, if the buyer does not pay electronically but cash, according to the invention, the change, if any, can again be paid electronically. This is advantageous in particular during the introduction of the euro, because in that case, the change can be credited to the buyer's account in the national currency or in the euro, depending on the circumstances . The same amount is then debited to the seller's account. Debiting can then be effected in the same currency as the currency in which the- amount is credited to the buyer. In general, it will even be the case that on the bank accounts of the buyer and the seller, the change is processed in both currencies. After all, during the introduction of the euro, there will be a fixed conversion factor between the euro and the national currency.
The electronic payment system according to the invention is characterized in that the payment system is further arranged to incorporate, for further processing, information regarding an amount of change which is equal to the difference between an amount paid by the buyer to a seller and an amount payable by the buyer to the seller, while the electronic payment system, in use, credits the amount of change to an account, related to the payment card, of the buyer and debits it to an account of the seller.
With such electronic payment system, the method as described hereinabove can be performed. Accordingly, the payment system has the same advantages as those mentioned hereinabove in respect of the method. In particular, it applies that the system comprises an electronic payment system known per se, the known electronic payment system being arranged to debit to the buyer's account an amount payable by the buyer to the seller, and to credit to the seller's account the amount payable by the buyer to the seller, while, in use, in the payment system for crediting the amount of change to the buyer's account and debiting the amount of change to the seller's account, the amount payable by the buyer to the seller is made equal to the negative value of the amount of change. Because the infrastructure for payment systems in which the buyer pays the seller in an electronic manner is already present in most countries in the world, this payment system can simply be extended for electronically returning the amount of change from the seller to the buyer. After all, it functions entirely like the known payment systems, the . difference being that the amount of change is made equal to the negative value of the amount which, in the known payment systems, is paid electronically by the buyer to the seller. In particular, it applies that the payment system comprises input means for inputting the amount payable by the buyer to the seller and the amount paid by the buyer to the seller, while the system, in use, pays the amount of change by deducting the amount paid from the amount payable. In this manner, the payment system determines the amount of change automatically. If so desired, the payment system can convert this amount of change into a different currency. However, it is also possible that the system comprises input means for inputting the amount of change. In that case, the amount of change is not automatically computed by the payment system. Hereinafter, a further elaboration of the invention and further advantages of the invention will be further explained with reference to the accompanying drawings. In these drawings : Fig. 1 shows a possible embodiment of the payment system according to the invention for performing a method according to the invention; and
Fig. 2 shows a possible embodiment of a PIN apparatus of the system of Fig. 1. In Fig. 1, reference numeral 1 designates an electronic payment system according to the invention. The payment system comprises at least one computer 2, a number of input units 4.i (i = 1,2,... n; n being an integer greater than or equal to 1) and a number of payment cards 6.j (j = l,2,3...m; m being an integer greater than or equal to 1) . The payment cards each belong to a buyer. In this respect, one may think of, for instance, a bank card or credit card. Via a communication channel 8, the input units 4.i are connected to the computer 2. The communication channel 8 may, for instance, consist of a telephone network. Further, via a communication channel 10, the computer 2 is connected to a number of bank computers 12. k (k = 1 , 2., 3 through p; p being an integer greater than or equal to 1) . The communication channel 10 may, for instance, consist of a telephone network again, but may also consist of a network especially arranged therefor.
The input units 4.i are each arranged to read payment card information of each of the payment cards 6. j of the buyers .
Fig. 2 shows a possible embodiment of an input unit 4.i. In this example, the input unit 4.i consists of a PIN apparatus known per se which is provided with a central processing unit 14, a display 16 coupled to the central processing unit 14, a keyboard 18 coupled to the central processing unit 14 which can be operated by the buyer, a keyboard 20 coupled to the central processing unit 14 which can be operated by the seller, and with a card reading unit 22.
In this example, the input units 4.i are installed at various sellers' sites spread about the country. In this connection, one may, for instance, think of input units 4.i installed in shops, garages, service companies, etc. The computer 2 is installed in a central position.
The operation of the system is as follows.
A buyer buys a particular product from the seller. For the purchase of the product, the buyer pays a particular amount to the seller in cash. In this example, it applies that the buyer does not pay the exact money. As a result, the seller has to give back an amount of change to the buyer. The seller releases the electronic payment system by actuating at least one predetermined key of the keyboard 20. For this purpose, the buyer has his payment card read by the card reading unit 22. In this manner, payment card information of the buyer's payment card is fed to the central processing unit 14. Also, the seller keys in on the keyboard 20 the amount paid in cash by the buyer to the seller. In addition, the seller keys in the amount payable by the buyer to the seller.
First, a bank account number of the buyer, related to the payment card, appears on the display 16. If this number is in order, the buyer can confirm on the keyboard 18 that the bank account number is OK. Next, on the display 16, the buyer is asked to enter an identification code of the buyer into the payment system, such as a PIN code. The payment system compares the identification code entered with an identification code related to the payment card and stored in the payment system, for instance in the computer 2. Next, if the PIN code is correct, an amount of change is displayed on the display 16, which amount is determined by the payment system, in this case the central processing unit 14, by deducting the amount inputted that is payable by the seller to the buyer from the amount inputted that is paid in cash by the' buyer to the seller. If the buyer agrees to the amount of change, he can again operate the keyboard 18 to confirm his approval .
After this, the payment card information and the amount of change are fed from the PIN apparatus 4.i to the computer 2 via the communication channel 8. In this manner, the computer 2 knows the buyer ' s account number and the amount of change. The computer 2 also contains information about the seller's account number. This information can, for instance, be stored in the central processing unit 14 of the input unit 4. i of the seller and likewise be fed to the computer 2 via the communication channel 8. In that case, the input unit 4.i is hence related to the buyer's account. However, it is also possible that on the basis of an identity of the input unit 4.i, the computer 2 establishes the bank account number that is coupled to this identity. In that case, only the address of the input unit 4.i from which the payment card information and the amount of change originate need be known at the computer 2. On the basis of this address, the computer 2 can then determine the seller's bank account number.
Subsequently, via the communication channel 10, the computer 2 controls at least one bank computer 12. k such that the amount of change is debited to the seller's account and credited to the buyer's account. When both accounts have been concluded with the same bank, it may generally suffice to control only one bank computer. However, it is also possible that two bank computers have to be controlled, when the seller's account is kept at a bank different from the buyer's account . According to the method of the invention outlined hereinabove, with the payment system according to the invention, an amount of change can be paid electronically by the seller to the buyer. Based upon this concept, many further elaborations are conceivable. Thus, it is possible that the seller inputs only the amount of change into the input unit 4.i. In that case, the seller should determine, i.e. calculate, the amount of change himself. Preferably, however, the system 1 calculates the amount of change on the basis of the amount paid in cash by the buyer to the seller and the amount payable by the buyer to the seller.
Instead of a PIN code, other identification codes can be used as well, such as a finger print. In each of these cases, the identification code as related to the payment card is stored in the payment system. However, it is also possible that no identification code is used whatsoever. After all, the buyer will certainly wish to use a correct payment card to ensure that the amount of change is credited to his account .
It is also possible that the system operates in different currencies. The amount of change credited to the buyer's account by the payment system can have a currency which is the same as or different from the currency in which the buyer has paid the seller in cash. If, for instance, the buyer pays the seller cash in guilders, the amount payable by the buyer to the seller can be inputted into the payment system in Eurasia. Accordingly, in this example, the central processing unit is provided with a conversion factor for converting Eurasia into guilders and vice versa. The central processing unit 14 then converts the amount paid in guilders by the buyer to the seller into Eurasia. Next, this amount in Eurasia is reduced by 'the amount payable in Eurasia by the buyer to the seller. This results in the amount of change in Eurasia. Subsequently, in the manner described hereinabove, the- amount of change can be shown on the display 16, whereupon the buyer can enter his approval via the keyboard 18. After the approval has thus been entered, the change in Eurasia will be debited to the seller's account and credited to the buyer's account. It is even possible that the amount is credited in Eurasia to the buyer's account and debited in Dutch guilders to the seller's account and vice versa. Of course, the above can also be processed in both currencies, because there is a fixed conversion factor between these currencies.
In particular, it applies that the amount paid by the buyer to the seller is paid in a specific currency, as desired by the buyer, and is accordingly inputted into the payment system, while the amount of change is credited to the buyer's account in a currency that is the same as or different from the currency in which the buyer paid the seller. Also, it preferably applies that the system is arranged such that, in use, the amount of change is selectively processed in the same or in the other currency.
Preferably, the payment system according to Fig. 1 also comprises the payment system know per se for enabling electronic payment. At the input unit 4.i, payment card information is read in again by means of the card reading unit 22. By means of the keyboard 20, the seller inputs the amount payable by the buyer to the seller. Via the keyboard 18, the buyer again keys in his personal identification code. Only when this identification code corresponds to the identification code stored in the payment system and related to the payment card information, will the system carry out the financial transaction requested. If the identification, code has indeed been carried out correctly, the amount payable by the buyer to the seller appears on the display 16. When the buyer subsequently enters his approval on the keyboard 18, the amount payable is debited to the buyer's bank account and credited to the seller's bank account in a manner known per se . This system known per se can also be advantageously used for the seller to pay the change to the buyer. To this end, in use, in the payment system for crediting the amount of change to the buyer's account and debiting the amount of change to the seller's account, the amount payable by the buyer to the seller is made equal to the negative value of the amount of change. In other words, in the known electronic payment systems, the financial transactions can be provided with a minus sign to effect that an amount is credited to the buyer's account and debited to a seller's account. Through a simple adaptation, the existing infrastructure can thus be used for performing a method according to the invention and be converted into a payment system according to the invention.
The invention is by no means limited to the embodiments outlined hereinabove. Thus, the computer 2 may also be replaced by a number of computers that are intercoupled in a network and fulfill the same functions as the computer 2. It is also possible that the computer 2 is omitted while the communication channel 8 is directly connected to the communication channel 10, so that the financial transactions are directly performed by the at least one bank computer 12. k without interposition of the computer 2. Also, a bank computer 12. k may consist of a computer of a credit card company. In addition, it is possible that the system functions in more than two currencies, in the same manner as discussed hereinabove in respect of one currency or two currencies. "Seller" is also understood to mean a person who is employed by an enterprise and the like and works as seller. Accordingly, "seller's account" is also understood to mean an account of the enterprise and the like. Such variants are also understood to fall within the framework of the invention.

Claims

Claims
1. A method for a seller to give back an amount of change to a buyer when an amount is paid by the buyer to the seller which is greater than the amount payable by the buyer to the seller, characterized in that use is made of an electronic payment system in which at least the following steps are performed: a. payment card information of a payment card, known per se, of the buyer and change information regarding the amount of change is inputted into the electronic payment system; and b. by the electronic payment system, the amount of change is subsequently credited to an account, related to the payment card, of the buyer and debited to an account of the seller.
2. A method according to claim 1, characterized in that the seller releases the electronic payment system for performing steps a. and b.
3. A method according to claim 1 or 2 , characterized in that the amount paid by the buyer is paid to the seller in cash.
4. A method according to claim 1, 2 or 3 , characterized in that an identification code of the buyer, such as a PIN code or finger print, is entered into the payment system as well, the identification code entered is compared with an identification code stored in the payment system and related to the payment card, and that step b. is performed only if the identification code entered corresponds to the identification code stored.
5. A method according to any one of preceding claims 1-3, characterized in that step b. is performed without entering a
PIN code, password, and the like.
6. A method according to any one of the preceding claims, characterized in that for inputting the information of the payment card, use is made of an input unit known per se, such as a PIN apparatus of the electronic payment system.
7. A method according to claim 6, characterized in that the input unit is related to the seller's account.
8. A method according to any one of the preceding claims, characterized in that the inputted change information inputted into the electronic payment system consists of the amount paid by the buyer to the seller and the amount payable by the buyer to the seller, the amount of change being determined by the payment system by deducting the amount paid by the buyer to the seller from the amount payable by the buyer to the seller.
9. A method according to any one of preceding claims 1-7, characterized in that the change information inputted consists of the amount of change.
10. A method according to any one of the preceding claims, characterized in that after inputting of the change information, the amount of change is displayed on a display, while step b. is performed only when the buyer enters his approval into the electronic payment system.
11. A method according to any one of the preceding claims, characterized in that use is made of an electronic payment system known per se for automatically paying an amount payable by the seller to the buyer, the known electronic payment system being arranged for debiting the amount payable by the buyer to the seller to the buyer's account and crediting the amount payable by the buyer to the seller to the seller's account, while, in use, for performing step b. , with the known electronic payment system, the amount payable by the buyer to the seller is made equal to the negative value of the amount of change .
12. A method according to any one of the preceding claims, characterized in that in step b., the amount of change credited to the buyer's account is credited in a currency which is the same as or different from the currency in which the buyer has paid the seller.
13. A method according to claim 12, characterized in that the amount paid by the buyer to the seller is paid in a particular currency as desired by the buyer, while in step b., the amount of change is processed in a currency which is the same as or different from the currency in which the buyer has paid the seller.
14. A method according to claim 12 or 13, characterized in that the amount of change is selectively processed in the same or in the other currency.
15. An electronic payment system for automatically performing a financial transaction, the payment system comprising at least one computer, at least one input unit connected to the computer and at least one payment card belonging to a buyer, the input unit being arranged for reading payment card information of the buyer's payment card, characterized in that the payment system is further arranged for incorporating, for further processing, information regarding an amount of change which is equal to the difference between an amount paid by the buyer to a seller and an amount payable by the buyer to the seller, while the electronic payment system, in use, credits the amount of change to an account, related to the payment card, of the buyer and debits it to an account of the seller.
16. A payment system according to claim 15, characterized in that the system is designed with means whereby, in use, the seller releases the electronic payment system for performing steps a. and b.
17. A payment system according to claim 15 or 16, characterized in that the payment system comprises input means for inputting the amount payable by the buyer to the seller and the amount paid by the buyer to the seller, while the system, in use, determines the amount of change by deducting the amount paid from the amount payable.
18. A payment system according to claim 15 or 16, characterized in that the system comprises input means for inputting the amount of change.
19. A payment system according to any one of claims 15-18, characterized in that the payment system is further arranged for entering an identification code of the buyer, such as a PIN code or finger print, into the payment system by means of the input unit, the payment system, in use, comparing the identification code entered with an identification code stored in the payment system and related to the payment card, and the payment system crediting the amount of change to the buyer's account related to the payment card and debiting it to the seller's account if the identification code entered corresponds to the identification code stored.
20. A payment system according to any one of claims 15-18, characterized in that the system is designed so that in use, the crediting of the amount of change to the account related to the payment card is performed without entering a PIN code, password and the like.
21. A payment system according to any one of preceding claims 15-20, characterized in that the input unit consists of an input unit known per se, such as a PIN apparatus.
22. A payment system according to any one of claims 15-21, characterized in that the input unit is related to the seller's account.
23. A payment system according to any one of preceding claims 15-22, characterized in that the inputted change information inputted into the electronic payment system consists of the amount paid by the buyer to the seller and the amount payable by the buyer to the seller, the payment system being arranged for determining the amount of change by deducting the amount paid by the buyer to the seller from the amount payable by the buyer to the seller.
24. A payment system according to any one of preceding claims 15-23, characterized in that the change information inputted consists of the amount of change.
25. A payment system according to any one of preceding claims 15-24, characterized in that the payment system further comprises a display for displaying the amount of change after the change information has been inputted, the payment system further comprising input means by means of which the buyer can enter his approval into the electronic payment system when he agrees to the amount displayed on the display.
26. A payment system according to any one of preceding claims 15-25, characterized in that the amount of change credited to the buyer's account by the payment system is credited in a currency which is the same as or different from the currency in which the buyer has paid the seller.
27. A payment system according to claim 26, characterized in that the amount paid by the buyer to the seller is paid in a particular currency as desired by the buyer and is inputted into the payment system accordingly, the amount of change being credited to the buyer's account in a currency which is the same as or different from the currency in which the buyer has paid the seller.
28. A payment system according to claim 27, characterized in that the system is designed so that, in use, the amount of change is selectively processed in the same or in the other currency.
29. A payment system according to any one of preceding claims 15-28, characterized in that the system comprises an electronic payment system known per se, the known electronic payment system being arranged for debiting an amount payable by the buyer to the seller to the buyer's account and crediting the amount payable by the buyer to the seller to the seller's account, while, in use, in the payment system, for crediting the amount of change to the buyer's account and debiting the amount of change to the seller's account, the amount payable by the buyer to the seller is made equal to the negative value of the amount of change.
PCT/NL1999/000796 1998-12-22 1999-12-22 Method and payment system for a seller to give back an amount of change to a buyer WO2000038121A1 (en)

Priority Applications (1)

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AU20064/00A AU2006400A (en) 1998-12-22 1999-12-22 Method and payment system for a seller to give back an amount of change to a buyer

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NL1010872A NL1010872C2 (en) 1998-12-22 1998-12-22 Method and payment system for the return of an amount of change by a seller to a buyer.
NL1010872 1998-12-22

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EP1111555A1 (en) * 1999-12-23 2001-06-27 Sagem S.A. Electronic payment terminal and method of using same

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