Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider

摘要

The card is virtualized in form of a chip card by using a two dimensional (2D)-code i.e. quick response (QR)-code. The card is represented on a mobile terminal e.g. smart phone and mobile phone, of a customer. The card is read and verified by the mobile terminal of a dealer and/or a service provider. The 2D code is downloaded via an Internet connection available in the mobile terminal and sent via a multimedia messaging service (MMS). The 2D-code is photographed and evaluated by the mobile terminal.