WO2015005861A1

WO2015005861A1 - Ordering and payment method and system

Info

Publication number: WO2015005861A1
Application number: PCT/SE2014/050881
Authority: WO
Inventors: Fredrik MATSSON; Hans Magnus Larsson
Original assignee: SO SYSTEM AB
Current assignee: SO SYSTEM AB
Priority date: 2013-07-10
Filing date: 2014-07-09
Publication date: 2015-01-15
Anticipated expiration: 2016-01-10

Abstract

A method and arrangement for ordering, booking and/or payingfor goods and/or service, the method comprising: ordering said goods and/or service by means of a communication terminal; receiving a verification code by said terminal; verifying said verification code in an verification unit; verifying a transaction in a transaction unit corresponding to said order using said verification code verified by said verification unit, and providing order and/or transactioninformation to the terminal.

Description

ORDERING AND PAYMENT METHOD AND SYSTEM

TECHNICAL FIELD The present invention relates to a method and system for ordering, booking and/or paying for goods and/or services by means of a mobile terminal.

BACKGROUND According to one example, normally, a conventional restaurant ordering system involves a menu presented by a waiter. The waiter takes the order to the kitchen, where the order is prepared. When the order is ready the waiter presents the selected and prepared dishes. When done eating the customer asks for the bill and pays it. This conventional system is labor intensive. Another example is at bars, where a number of guests try to order and pay at same time, especially at crowded hours. It is established that at least 2-3 minutes of a bartender time is spent to handle payment, which in high peaks, such as happy hours, will render in considerable amount of time and may result in inferior service.

Problems usually relate primarily to the waiting times for the ordering and/or the payment process and occurs particularly in the catering and service stations at peak times, which leads to overloading of staff, frequency of errors in orders and long waiting times.

Computerized ordering systems have been proposed but they tend to be expensive.

Other common method to avoid queuing and waiting time in practice is providing fixed order terminals, e.g. at the entrance of the restaurant ordering machines. However, problem of payment are not solved by these solutions.

SUMMARY

There is a need for a system that allows for safe ordering of goods and services, such as food and beverages at restaurants/bars, hotel rooms etc., and also allows for safe transaction for the ordered food/beverage/service. The invention thus allows a safe, simple and quick purchase, sell and transaction

For these reasons the invention relates to

A method of ordering and paying for goods and/or service, the method comprising:

ordering said goods and/or service by means of a communication terminal; receiving a verification code by said terminal; verifying said verification code in an verification unit; verifying a transaction in a transaction unit corresponding to said order using said verification code verified by said verification unit, and providing order and/or transaction information to the terminal. The method may further comprise registering a payment arrangement at a payment service provider, using said information for verifying

registration of said payment arrangement, receiving a link to a registration unit directly at said terminal and providing data for verification of said payment service provider. The goods comprise food and/or drinks and said terminal is configured to access a menu for ordering said food and/or drinks. The payment arrangement is a credit or debit card, account number, voucher, money order, bank transfer and online payment service. In one embodiment, the payment arrangement is registered by the payment service provider different than the goods and/or service provider or a service provider (SPS) and further comprising receiving unique payment identification by the SPS for retrieving payment from payment provider. Registering the payment arrangement by payment service provider and generating a profile for a user and providing a message from the terminal to SPS and payment service provider (TGS) encrypted. If the profile is successfully created at TGS, an encryption key and the profile is stored at SPS. An encryption key may be stored in the terminal. During a financial transaction both encryption keys in the terminal and SPS must agree for allowing a transaction. Upon purchase of a goods and/or service, SPS sends a purchase order verification to TGS. Upon purchase of a goods and/or service the user provides additional identification and/or authentication to verify the purchase. SPS may verify the payment to the goods and/or service provider. SPS may verify the subject of the order/purchase to the goods and/or service provider. In one embodiment, he goods and/or service provider verifies the order/purchase with SPS and if the verification is accepted a message is sent to goods and/or service provider and goods/service is delivered. The user may receive a receipt to the terminal and/or dedicated account. Different receipts may be generated for different identifications on same terminal. The invention also relates to a computer unit comprising: a processing unit, memory and communication interface, wherein said processing unit is configured to: receive information for a purchase of a goods or service, receiving an authentication code identifying a payment arrangement, providing a second party for verification of payment arrangement, and providing verification to a selling party.

The invention also relates to a communication terminal arranged with a set of instructions for ordering and paying for goods and/or service, the mobile terminal comprising a processing unit, a memory unit, a communication part, a display unit and a user interaction unit, said memory unit comprising said instructions. The processing unit being configured to: receive inputs corresponding to ordering said goods and/or service;

generate a signal corresponding to said ordering; transmit said signal to a goods and/or service provider; receive a message verifying said order, verified by a service provider, generate a signal corresponding to verifying said verifying message, and transmit said verifying message to goods and/or service provider. The processing unit may also be configured to receive a verifying code from said service provider and provide said service provider with a unique authentication code.

BRIEF DESCRIPTION OF THE DRAWINGS

Reference is made to the attached drawings, wherein elements having the same reference number designation may represent like elements throughout.

Fig. 1 is a diagram of an exemplary system in which methods and systems described herein may be implemented;

Fig. 2 is a flow diagram illustrating exemplary processing by the system of Fig. 1 ,

Fig. 3 illustrates schematically a communication device according to one embodiment of the present invention,

Fig. 4 illustrates schematically a server according to one embodiment of the present invention,

Fig. 5 is another flow diagram illustrating a second exemplary processing by the system of the invention, and

Figs. 6a and 6b illustrate two side views of an exemplary rack for use in a system according to the invention. DETAILED DESCRIPTION

Fig.1 illustrates a schematic system overview according to one embodiment of the invention. The system 100 may comprise one or several mobile terminals 101 , 102 used by users or subscribers (not shown), a service provider server (SPS) 103 and a transaction governing server (TGS) 104.

The mobile terminals 101 , 102 may use wireless communication network 105 to connect to the SPS 103 and to a purchasing site 107. The SPS 103 may connect to TGS 104 through a communication (computer) network 106.

In the following, the invention will be described in an exemplary way by reference to a bar or restaurant as purchasing site 107. However, the invention relates to a more general concept, where services and/or goods may be purchased by a user using the

communication terminal. Such sites may include hotels, cafe shops, fast food restaurants, etc.

With reference now to Fig. 2, one embodiment of exemplary communication steps are illustrated.

Preferably, to be able to execute the functions of the invention a dedicated program (application=app) may run on the mobile terminal. The user may download the app from an appropriate site (e.g. APPSTORE or GOOGLE PLAY, etc.) and install it on the terminal.

According to this embodiment, the app may be used (1) whenever a user wishes to purchase, e.g. food or drink from the bar/restaurant. To facilitate use of the invention, the user must register (2) a payment means, such as a credit card, e.g. by providing name and relevant information relating to the card. To secure the card information, the card is not registered with the SPS but at the more secure TGS (e.g. bank, card issuer, etc.). Thus, the SPS forwards (3) registration information to TGS (bank) and may include information about SPS to relate the transactions to SPS. The registration with SPS may thus include information that can verify payment but not withdrawal. The card is registered with the SPS and TGS by the user through the app, e.g. upon registration of the user as a subscriber to the service. When the TGS has verified the card data, a secure link (e.g. URL: Unique Resource Locator) to a WEB page is provided (6, 7) to the user, e.g. through SPS (or directly). The terminal accesses and displays (10) the WEB page provided by the TGS. The user may access the WEB page by means of the terminal to provide (9) payment card data

(payment information), e.g. card number, validity date, CVC, etc. and a personal PIN code (or a predetermined PIN). The PIN code (PIN) is provided (10) to SPS and card data is provided (11) to TGS. It should be noted that SPS is not involved in the actual card data registration. TGS registers the card and may generate (12) a profile for the user based on the information received upon registration (or in a later session). The message from the terminal to SPS and TGS is encrypted (e.g. one way hash) for example based on the PIN. If the profile is successfully created at TGS, the hash and the profile is stored in SPS. In the terminal, another one-way hash based on same PIN may be stored. During a financial transaction, both (terminal stored and SPS stored) hash must agree to be able to make the transaction. Payment may be carried out by means of one or several of a credit or debit card, account number, voucher, money orders, bank transfers and online payment services.

The app in the terminal may comprise menus for ordering different types of goods and services. In the example of restaurant, the menus may include the food and beverage served at restaurant, ingredient, health information, size, price etc. The user may order/buy (13) by tapping on the food/beverage on the menu. The user may include tip and other service fees upon payment. For security reasons, the user may access the app using a PIN code or other authentication means.

When an order/buy is received from the terminal, the purchase order is sent (14) to the SPS, which sends (18) a payment request to the TGS. In one embodiment, SPS may ask (15) for additional verification, whereby the user may enter (16, 17) an additional PIN code or use additional authentication to verify the purchase.

TGS verifies (19) the payment to SPS, which verifies (20) the payment to the

bar/restaurant and the subject of the order/purchase. The bar verifies the order with the SPS (21) (credibility) and if accepted a message is sent (22) to the terminal, which verifies (23) with the bar and product is delivered (24) to the user the food/beverage are provided to the user (costumer). SPS sends (25) a message to the terminal confirming the purchase. SPS may send message to the costumer confirming the buy. The message from the SPS to the terminal, when the order is accepted may comprise a unique verification code (barcode, QR-code, pin code, etc.), which is provided to the delivery point (e.g. waiter, bartender, receptionist) for verification. Above described steps and order of the steps are given as examples and some of the steps and order of execution may vary, be excluded or other steps may be added depending on the application of invention.

Receipt may be sent to the terminal directly or to an e-mail account defined in the user profile. The user may use different PINS for different types of purchase, e.g. one for private purchase and one for business related purchases and also receive different types of receipt and/or to different addresses. This simplifies handling of the receipts for the user and accountancy. The user may also define guests before starting purchase so that receipts contain correct names without later identification of names.

The system may also comprise additional security by using different types of encryption and/or verification keys. For example the user may use a first key for identification towards SPS and SPS may use a second key towards the TGS. Generally, the user does not need to enter credential information for each purchase and may only use one

PIN/authentication code.

The transaction communication between TGS and SPS may only include user-profile related information, i.e. after registration, the TGS transmits relevant profile data and not payment card related sensitive information.

All or parts of communication between the entities are encrypted using any suitable encryption methods. The encryption may for example use the user PIN and terminals unique device identification (UDID), International Mobile Station Equipment Identity (IMEI), Android ID, cloud based unique identifier or similar. Fig. 3 is a diagram of an exemplary communication terminal 300 in which parts of methods and systems described herein may be implemented. Terminal 300 may include a bus 310, a processor 320, a memory 330, a read only memory (ROM) 340, a storage device 350, an input device 360, an output device 370, and a communication interface 380. Bus 310 permits communication among the components of terminal 300. The terminal 300 may also include one or more power supplies (not shown). One skilled in the art would recognize that terminal 300 may be configured in a number of other ways and may include other or different elements. Processor 320 may include any type of processor or microprocessor that interprets and executes instructions. Processor 320 may also include logic that is able to decode media files, such as audio files, video files, multimedia files, image files, video games, etc., and generate output to, for example, a speaker, a display, etc. Memory 330 may include a random access memory (RAM) or another dynamic storage device that stores information and instructions for execution by processor 320. Memory 330 may also be used to store temporary variables or other intermediate information during execution of instructions by processor 320.

ROM 340 may include a conventional ROM device and/or another static storage device that stores static information and instructions for processor 320. Storage device 350 may include a magnetic disk or optical disk and its corresponding drive and/or some other type of magnetic or optical recording medium and its corresponding drive for storing information and instructions. Storage device 350 may also include a flash memory (e.g., an electrically erasable programmable read only memory (EEPROM)) device for storing information and instructions.

Input device 360 may include one or more conventional mechanisms that permit a user to input information to the terminal 300, such as a keyboard, a keypad, a directional pad, a mouse, a pen, voice recognition, a touch-screen and/or biometric mechanisms, etc.

Output device 370 may include one or more conventional mechanisms that output information to the user, including a display, a printer, one or more speakers, etc.

Communication interface 380 may include any transceiver-like mechanism that enables terminal 300 to communicate with other devices and/or systems. For example, communication interface 380 may include a modem or an Ethernet interface to a LAN. Alternatively, or additionally, communication interface 380 may include other mechanisms for communicating via a network, such as a wireless network. For example,

communication interface may include a radio frequency (RF) transmitter and receiver and one or more antennas for transmitting and receiving RF data. Terminal 300, consistent with the invention, provides a platform through which a user may play and/or view various media, such as music files, video files, image files, games, multimedia files, etc. Terminal 300 may also display information associated with the media played and/or viewed by a user of terminal 300 in a graphical format, as described in detail below. According to an exemplary implementation, terminal 300 may perform various processes in response to processor 320 executing sequences of instructions contained in memory 330. Such instructions may be read into memory 330 from another computer-readable medium, such as storage device 350, or from a separate device via communication interface 380. It should be understood that a computer-readable medium may include one or more memory devices or carrier waves. Execution of the sequences of instructions contained in memory 330 causes processor 320 to perform the acts that will be described hereafter. In alternative embodiments, hard-wired circuitry may be used in place of or in combination with software instructions to implement aspects consistent with the invention. Thus, the invention is not limited to any specific combination of hardware circuitry and software.

In use, the memory stores the application or a program for connecting to the service provider through communication portion. User commands may be entered through a touch sensitive display or keyboard. The term server (both SPS and TGS) as used herein concerns a computer 410, which in its simplest configuration comprises a processing unit 410, a memory 420, I/O interface 430 and a storage device 440, interconnected by means of a bus 450, as illustrated in Fig. 4. The server in which parts of methods and systems described herein may be

implemented may comprise a conventional computer.

The bus 450 permits communication among the components of server 400. The server may also include one or more power supplies (not shown). One skilled in the art would recognize that server may be configured in a number of other ways and may include other or different elements. Processor 410 may include any type of processor or microprocessor that interprets and executes instructions. Processor 410 may also include logic to execute different types instructions, and generate output to, for example, displays, computer network etc. The memory 420 may include a random access memory (RAM) or another dynamic storage device that stores information and instructions for execution by processor 410. Memory 420 may also be used to store temporary variables or other intermediate information during execution of instructions by processor 410.

Additional ROM memory may be implemented and may include a conventional ROM device and/or another static storage device that stores static information and instructions for processor 410. Storage device 440 may include a magnetic disk or optical disk and its corresponding drive and/or some other type of magnetic or optical recording medium and its corresponding drive for storing information and instructions. Storage device 350 may also include a flash memory (e.g., an electrically erasable programmable read only memory (EEPROM)) device for storing information and instructions.

I/O interface 430 may include user I/O devices and communication one or more conventional mechanisms that permit a user to input information to the server, such as a keyboard, a keypad, a directional pad, a mouse, a pen, voice recognition, a touch-screen and/or biometric mechanisms, etc. I/O interface may also include one or more

conventional mechanisms that output information to the user, including a display, a printer, one or more speakers, etc. I/O interface may include any means that enables the server to communicate with other devices and/or systems. For example, the interface may include a modem or an Ethernet interface to a LAN. Alternatively, or additionally, the interface may include other mechanisms for communicating via a network, such as a wireless network

According to an exemplary implementation, the server may perform various processes in response to processor 410 executing sequences of instructions contained in memory 420. Such instructions may be read into memory 420 from another computer-readable medium, such as storage device 440, or from a separate device via communication interface 430. It should be understood that a computer-readable medium may include one or more memory devices or carrier waves. Execution of the sequences of

instructions contained in the memory causes processor 410 to perform the acts that have been described earlier. In alternative embodiments, hard-wired circuitry may be used in place of or in combination with software instructions to implement aspects consistent with the invention. Thus, the invention is not limited to any specific combination of hardware circuitry and software. In use, the memory stores the programs for connecting the service provider or TGS through communication portion to purchase site and user terminals.

The terminal at the selling point, i.e. bar/restaurant/hotel may comprise a computer, which is configured to communicate with SPS through the network 106. The terminal may be a cash register having a computer part. If the code provided to users (buyers) terminal is barcode, QR-code, the selling point terminal may include a scanner for scanning the code when verifying the buy. In a bar restaurant a waiter may be provided with a terminal with scanner for verifying delivery. The system may further provide places of interest to the user based on the position of the user and user's profile. Using the GPS positioning system of the terminal SPS may alert the user, with respect to the user's position, of restaurants, bars etc. The user may enter prioritized places, in his profile and obtain information on that places or when near those places.

The system of the invention allows live update of assortment, thus if a product or service is not available or reaches a minimum limit it may be removed from the assortment.

Consequently, the user will not be disappointed. The system may likewise add new product to the assortment without a need for printing, e.g. menus, or information boards. Thus, the system may update the stock balance and even order products before they finish (or inform about the balance). Using an internal advertisement system, for example, top selling products may be viewed for the public at the location.

The system of the invention is independent of the payment solution, cash register, currency, cash handling and can handle different types of payment.

The system may block the buyer's terminal, e.g. based on misused, lack of currency, user behavior and not allow the user to order more products. Repurchase may be allowed as all orders are registered in the system and the terminal. Allowing positioning in-house and outside, for example a waiter can find the buyer faster, to deliver the order. The user terminal may be used as ticket when ordering and paying an admission ticket. The invention may also be used for booking events such as tee time, bowling allies, fishing trip, etc. The ticket may be in form of a unique code, such as QR-code or barcode, etc. In one exemplary embodiment the system of the invention may be used for booking of a sport event or activity, such as but not limited to bowling, curling, golf, etc. which needs a specific area for the activity.

When bowling, for example, a bowler may first book a bowling alley, order drinks during the game session, and order food for after game.

Fig. 5 illustrates some steps for reservation of an event, such as bowling. It is assumed that the user has carried out the steps 1-12. The user may reserve (13') a time and ally (for golf: tee time and golf course, for hotel: date and rum) by tapping on a bowling saloon on the menu.

When a reservation is received from the terminal, the order is sent (14') to the SPS, which sends (18') a reservation request to the TGS. In one embodiment, SPS may ask (15') for additional verification, whereby the user may enter (16', 17') an additional PIN code or use additional authentication to verify the reservation.

TGS verifies (19') the reservation to SPS, which verifies (20') the reservation to the event location and the subject of the reservation. The location verifies the order with the SPS (21 ') (e.g. credibility and right person) and if accepted a message is sent (22') to the terminal, which verifies (23') with the bar and reservation is acknowledged (24') to the user. SPS sends (25') a message to the terminal confirming the reservation. SPS may send message to the costumer confirming the reservation. The message from the SPS to the terminal, when the reservation is confirmed may comprise a unique code, barcode, QR-code, etc. which is provided to the delivery point (e.g. waiter, bartender, receptionist) for verification.

Above described steps and order of the steps are given as examples and some of the steps and order of execution may vary, be excluded or other steps may be added depending on the application of invention.

In one embodiment, the invention allows for pre-bookings, e.g. a booking for a large company (table and food) for restaurant visit. In one embodiment, the reservation may be through a phone call. The user may then receive a reservation code, e.g. to the user's smartphone (or provide it to the phone). The code may allow making pre-bookings of food and/or beverage before visiting the restaurant. The code is thus related to a (booked) table. In one embodiment, e.g. relating to a restaurant, the user may receive a unique code for a specific table or company. The code is used in a user terminal (smartphone) to order food and beverage. Based on the code, all orders from the users are registered in the cash registered to the table (user) related to the code. In one embodiment, the code may be replaced by a unique code provided at the table, e.g. a QR-code, which can be scanned by each of the guests (smartphone) who order food/beverage and associate the terminal with the table. In this way, the cash register system recognizes each ordering smartphone and may provide separate bills (or one bill for entire table) depending on the ordering smartphone. Thus, the bills may be associated with different user terminals. The bill may be provided directly to the terminal as an ordinary (digital) bill and/or a unique code, e.g. QR-code. In the latter case the QR-code may be scanned by a cash register system terminal for payment, either manually or through a payment card registered as described earlier. The system of the invention may also allow for registration of loyalty points (bonus points), which may be used for payment, based on a registered profile with the SPS or purchase location. The registered profile may be based on a profile in the system or a social media profile. The loyalty points may be based on the paid purchases or reservations and are registered e.g. with the SPS for each payment. The points may be used when paying a bill associated with a specific purchase or purchase venue. Additional embodiments may include:

A restaurant may request that when one books a table for a large party the guest mast partly pre-book meals. According to the present invention, food reservation may be done using the app and using a code that the guest receives from the restaurant. The code is linked to a table and a time in the system.

In one embodiment each table at the restaurant may be labeled with a QR code (or a unique code). To make the code unique, the code may also be related to a time/date stamp. This QR code is scanned by each phone to order food to the table.

Checkout system will identify and remember every user terminal that places an order for every table (e.g. QR-code) and deliver the bill to user (manually or to terminal) and allow payment via the terminal for parts of the guests or all. Of course, the guest may be able to pay by any other means, for example, two terminals or split the bill.

Thus a payment means can be registered in user profile and used for payment of bills. It is also possible to anyone who pays with the mobile app will get bonus points, which one then can use to make payments for future purchases at the site. Thus, one may setup a profile by downloading an existing profile or setup a new one and e.g. include credit card information. The profile may consist of a name, phone number, email, passwords etc. One may be able to choose if he wants to receive messages (ads, offers,

information), what messages and from where. For example offers from a specific restaurant in a specific city. One may receive campaigns that gives x points if shopping at a particular time and day, a particular product, in a certain place, or the like.

The bills may be named for different orders and name of ordering vouchers may be downloaded. If the guest who wishes to pay by any other means than the terminal/phone, for example, two terminals or split the bill, may obtain bills and mark the parts to be paid on the display and pay the selected portions of a bill. The bill may also provide additional space for tipping. The invention may also use other communication devices, such as wearables, e.g.

GOOGLE GLASSES, other virtually augmented devices or smart watches, connected to the terminal may be used for ordering and receiving bills and information. Figs. 6a and 6b illustrate two sides of an embodiment pf a rack 600 which can be used for verifying orders, payment etc.

The rack 600, bended to a triangular shape, at one side 601 comprises a receiver portion 603 having a transparent portion for receiving a terminal or phone with a display, which can display, e.g. the received verification code.

The second side 602 of the rack 600 may be adopted to receive a second terminal, such as a "pad" provided with a camera. The second terminal may be positioned on the second side using receiving portions 604. The camera at one side of the terminal may be used to insect the verification code on the display of the phone (e.g. using QR-code reader) through an aperture 605.

Clearly other means, such as a barcode reader, a laptop, another phone, Near Field Communication (NFC), radio frequency communication (WiFi, Bluetooth, etc.) may also be used to communicate the code, payment, etc.

It should be noted that the word "comprising" does not exclude the presence of other elements or steps than those listed and the words "a" or "an" preceding an element do not exclude the presence of a plurality of such elements. It should further be noted that any reference signs do not limit the scope of the claims, that the invention may be

implemented at least in part by means of both hardware and software, and that several "means", "units" or "devices" may be represented by the same item of hardware.

A "terminal" as the term is used herein, is to be broadly interpreted to include a

radiotelephone having ability for Internet/intranet access, web browser, organizer, calendar, a camera (e.g., video and/or still image camera), a personal communications system (PCS) terminal that may combine a cellular radiotelephone with data processing; a personal digital assistant (PDA) that can include a radiotelephone or wireless

communication system; a laptop; and any other computation or communication device capable of transceiving, such as a personal computer, a home entertainment system, a television, etc.

The above mentioned and described embodiments are only given as examples and should not be limiting to the present invention. Other solutions, uses, objectives, and functions within the scope of the invention as claimed in the below described patent claims should be apparent for the person skilled in the art.

The various embodiments of the present invention described herein is described in the general context of method steps or processes, which may be implemented in one embodiment by a computer program product, embodied in a computer-readable medium, including computer-executable instructions, such as program code, executed by computers in networked environments. A computer-readable medium may include removable and non-removable storage devices including, but not limited to, Read Only Memory (ROM), Random Access Memory (RAM), compact discs (CDs), digital versatile discs (DVD), etc. Generally, program modules may include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. Computer-executable instructions, associated data structures, and program modules represent examples of program code for executing steps of the methods disclosed herein. The particular sequence of such executable instructions or associated data structures represents examples of corresponding acts for implementing the functions described in such steps or processes.

Software and web implementations of various embodiments of the present invention can be accomplished with standard programming techniques with rule-based logic and other logic to accomplish various database searching steps or processes, correlation steps or processes, comparison steps or processes and decision steps or processes. It should be noted that the words "component" and "module," as used herein and in the following claims, is intended to encompass implementations using one or more lines of software code, and/or hardware implementations, and/or equipment for receiving manual inputs.

The foregoing description of embodiments of the present invention, have been presented for purposes of illustration and description. The foregoing description is not intended to be exhaustive or to limit embodiments of the present invention to the precise form disclosed, and modifications and variations are possible in light of the above teachings or may be acquired from practice of various embodiments of the present invention. The

embodiments discussed herein were chosen and described in order to explain the principles and the nature of various embodiments of the present invention and its practical application to enable one skilled in the art to utilize the present invention in various embodiments and with various modifications as are suited to the particular use

contemplated. The features of the embodiments described herein may be combined in all possible combinations of methods, apparatus, modules, systems, and computer program products.

Claims

1. A method of ordering, booking and/or paying for goods and/or service, the method comprising:

· ordering said goods and/or service by means of a communication terminal;

• receiving a verification code by said terminal;

• verifying said verification code in an verification unit;

• verifying a transaction in a transaction unit corresponding to said order using said verification code verified by said verification unit, and

· providing order and/or transaction information to the terminal.

2. The method of claim 1 , comprising registering a payment arrangement at a payment service provider, using said information for verifying registration of said payment arrangement, receiving a link to a registration unit directly at said terminal and providing data for verification of said payment service provider.

3. The method of claim 1 , wherein said goods comprises food and/or drinks and said terminal is configured to access a menu for ordering said food and/or drinks.

4. The method of claim 2, wherein said payment arrangement is a credit or debit card, account number, voucher, money order, bank transfer and online payment service.

5. The method of claim 2, wherein the payment arrangement is registered by the

payment service provider different than the goods and/or service provider or a service provider (SPS).

6. The method of claim 5, comprising receiving a unique payment identification by the SPS for retrieving payment from payment provider.

7. The method of claim 5, comprising registering the payment arrangement by payment service provider and generating a profile for a user and providing a message from the terminal to SPS and payment service provider (TGS) encrypted.

8. The method of claim 7, wherein if the profile is successfully created at TGS, an encryption key and the profile is stored at SPS.

9. The method of claim 8, wherein storing an encryption key in the terminal.

5 10. The method according to any of claims 8-9, wherein during a financial transaction both encryption keys in the terminal and SPS must agree for allowing a transaction.

1 1. The method according to any of claims 8-10, wherein upon purchase of a goods

and/or service, SPS sends a purchase order verification to TGS.

10

12. The method according to any of claims 8-10, wherein upon purchase of a goods

and/or service the user provides additional identification and/or authentication to verify the purchase.

15 13. The method according to any of claims 7-12, wherein SPS verifies the payment to the goods and/or service provider.

14. The method of claim 13, wherein SPS verifies the subject of the order/purchase to the goods and/or service provider.

20

15. The method of claim 13 or 14, wherein the goods and/or service provider verifies the order/purchase with SPS and if the verification is accepted a message is sent to goods and/or service provider and goods/service is delivered.

25 16. The method according to any of previous claims, wherein a user receives a receipt to the terminal and/or dedicated account.

17. The method according to claim 16, wherein the different receipts are generated for different identifications on same terminal.

30

18. A computer unit comprising: a processing unit, memory and communication interface, wherein said processing unit is configured to:

• receive information for a purchase of a goods and/or service,

• receiving an authentication code identifying a payment arrangement, 35 · providing a second party for verification of payment arrangement, and • providing verification to a selling party.

19. A communication terminal arranged with a set of instructions for ordering, booking and/or paying for goods and/or service, the mobile terminal comprising a processing 5 unit, a memory unit, a communication part, a display unit and a user interaction unit, said memory unit comprising said instructions and said processing unit being configured to:

• receive inputs corresponding to ordering said goods and/or service;

• generate a signal corresponding to said ordering;

10 · transmit said signal to a goods and/or service provider;

• receive a message verifying said order, verified by a service provider,

• generate a signal corresponding to verifying said verifying message, and

• transmit said verifying message to goods and/or service provider.

15 20. The communication device of claim 19, wherein said processing unit is configured to receive (15) a verifying code from said service provider and provide said service provider (17) with a unique authentication code.