Payment terminal, and associated method and program

1. Electronic payment terminal comprising:

a data entry device,

a processor, and

a memory containing:

a structure arranged to list at least one customer identifier, a personal identification number and an amount, corresponding to a local credit and/or debit account for making at least one purchase, resident in said payment terminal, all associated, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized credit and/or debit account; and

a program comprising instructions for storing in at least one of said structure or a copy of said structure after entry, said customer identifier and said personal identification number,

said payment terminal being configured to perform locally at least one of a debit or credit operation on the local credit and/or debit account.

2. Electronic payment terminal according to claim 1 , wherein the payment terminal comprises means of reading a hardware information medium and wherein said program comprises instructions for twinning said hardware information medium with at least one of said structure or a copy of said structure.

3. The electronic payment terminal of claim 1 and further comprising a non-transitory computer readable medium comprising a payment terminal program stored thereon, which includes program code for performing a method of making a payment locally when said program code is functioning on the payment terminal, the method comprising:

detecting, from said payment terminal, a signal for finding said local credit and/or debit account, resident in the payment terminal;

associating, in the payment terminal, said local credit and/or debit account to said customer;

linking to said local credit and/or debit account said personal identification number chosen by the customer and recording said local credit and/or debit account in the payment terminal; and

performing locally at least one of a debit or a credit operation with the payment terminal on the local credit and/or debit account within said payment terminal, in response to detection of the signal.

4. Method for making a payment locally in a payment terminal that comprises a processor and a memory, the method comprising:

detecting, from said payment terminal, a signal for finding a local credit and/or debit account, resident in said payment terminal for making at least one purchase, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized account;

associating, in said payment terminal, said local credit and/or debit account to a customer;

linking to said local credit and/or debit account a personal identification number chosen by the customer and recording said local credit and/or debit account in said payment terminal, and

performing locally at least one of a debit or a credit operation with the payment terminal on the local credit and/or debit account within said payment terminal, in response to detection of the signal.

5. Method according to claim 4 , wherein, in the step of associating the local credit and/or debit account with the customer, a hardware medium is twinned with said local credit and/or debit account.

6. Method according to claim 5 , wherein, in the step of finding said local credit and/or debit account, the payment terminal identifies the local credit and/or debit account by using said hardware medium.

7. Method according to claim 6 , wherein the method comprises debiting in the payment terminal said local credit and/or debit account with an amount to be deducted entered by a manager of the payment terminal after validation of said amount to be deducted by using the personal identification number.

8. Method according to claim 7 , wherein a receipt is printed in the step of debiting said amount to be deducted.

9. Method according to claim 5 , wherein the method comprises crediting in the payment terminal said local credit and/or debit account with an amount to be added entered by a manager of the payment terminal.

10. Method according to claim 9 , wherein a receipt is printed in the step of crediting said amount to be added.

11. A non-transitory computer readable medium that can be read by a payment terminal and comprising a computer program product stored thereon, which includes program code for implementing a method of making a payment locally when said program is functioning on the payment terminal, the method comprising:

detecting, from said payment terminal, a signal for finding a local credit and/or debit account, resident in the payment terminal for making at least one purchase, and entirely managed in said payment terminal in order to settle a financial transaction without having recourse to a remote centralized account;

associating, in the payment terminal, a local credit and/or debit account to a customer;

linking to said local credit and/or debit account a personal identification number chosen by the customer and recording said local credit and/or debit account in the payment terminal; and

performing locally at least one of a debit or a credit operation with the payment terminal on the local credit and/or debit account within said payment terminal, in response to detection of the signal, to settle the financial transaction without having recourse to the remote centralized account.